When it comes to government IDs, most of us think of the usual ones like SSS, PhilHealth, or UMID. But Pag-IBIG also has its own version: the Pag-IBIG Loyalty Card Plus.
If you’ve already read my guide on how to apply for a Pag-IBIG Loyalty Card Plus, you might be wondering: “Okay, but is it really worth it?” Let’s break it down.
What is the Pag-IBIG Loyalty Card Plus?
The Pag-IBIG Loyalty Card Plus is not just an ID. Yes, it serves as proof of your Pag-IBIG membership, but it also acts as a cash card where you can receive:
- Your Pag-IBIG loan proceeds (like MPL or Calamity Loan)
- MP2 dividends (if you opted to receive via card)
- Other Pag-IBIG benefits
On top of that, it also comes with exclusive discounts and perks in partner establishments nationwide.
Benefits of the Pag-IBIG Loyalty Card Plus
Here’s what you actually get from having one:
1. Official Pag-IBIG Member ID
No more worrying if your Pag-IBIG number is enough as proof. The card is an actual, physical ID you can use when dealing with Pag-IBIG.
2. Loan and Dividend Disbursement
If you file for a Pag-IBIG loan, the money is directly credited to your Loyalty Card Plus. Same goes for dividends if you choose this as your payout option. No more long lines at the branch just to claim your money.
3. Discounts and Perks
This is where the “loyalty” part comes in. Pag-IBIG has partnered with several merchants—drugstores, schools, hospitals, grocery stores, and more. With the card, you can enjoy discounts when you shop or pay for services.
Some common perks include:
- Tuition fee discounts in select schools
- Reduced rates in partner hospitals and clinics
- Discounts in grocery and retail stores
(Note: Discount amounts vary depending on the partner establishment.)
4. Cash Card Features
The Loyalty Card Plus is also a cash card, which means:
- You can withdraw money from ATMs
- You can use it for cashless payments (depending on the issuing bank—either AUB or UnionBank)
How Much Does It Cost?
The card only costs ₱125, one-time payment. That’s it—no annual fee, no renewal fee.
Downsides of the Pag-IBIG Loyalty Card Plus
Of course, it’s not perfect. Here are some of the limitations you should know:
- Limited use as an ID – While it’s a valid Pag-IBIG ID, it’s not considered a government-issued primary ID like UMID or Passport.
- Not widely accepted as a payment card – It works as a cash card, but don’t expect it to replace your regular debit card.
- Discount partners are limited – Not all merchants give perks, and some discounts are small.
Is It Worth Getting One?
Honestly, yes—if you’re already dealing with Pag-IBIG often.
For ₱125, you get:
- A Pag-IBIG member ID
- An ATM-like cash card for loans/dividends
- Access to discounts and perks
If you’re planning to apply for a Pag-IBIG loan or already investing in MP2, the Loyalty Card Plus makes things so much easier.
But if you’re expecting it to replace your debit/credit card or serve as a universal government ID, you’ll be disappointed.
Blogger’s Corner
Personally, I’d say the Pag-IBIG Loyalty Card Plus is worth it for convenience alone. If you’re like me who invests in MP2, receiving dividends directly to the card saves you time and effort.
The perks and discounts? Think of them as a bonus. You won’t always use them, but when you do, it feels nice to get a little extra savings.
So if you haven’t gotten one yet, it’s a small investment that pays off in convenience.
And if you’re ready, check out my guide on How to Apply for a Pag-IBIG Loyalty Card Plus so you can get yours hassle-free.