• Equicom Gold Credit Card

    Equicom Gold Credit Card
    Credit Card
    Annual Fee
    Reward type
    Equicom Gold Credit Card
    Annual Fee:
    P2,000
    Reward type:
    Shopping and Utilities

    Overview of Equicom Gold Credit Card

    Equicom offers its customers a host of credit card privileges across the nation and the world.

    Features and Benefits of Equicom Gold Credit Card:

    • Dual Currency: You can have 2 credit limits in a single Equicom credit card – Peso (Php) for your local transactions and Dollar ($) for your overseas transactions.
    • Super Check Facility: This is a convenient payment alternative exclusive to Equicom credit cardmembers. Using this facility you can issue checks for up to 100% of your available credit card limit. This especially comes in handy when you need to pay for big events in your life. You will be charged a service fee of 1.5% for every super check you issue.
    • Instalment Payments: You can avail a separate credit limit for all your instalment purchases. You have the option to make purchases on instalments at participating outlets or you can convert your straight purchases into instalment payment schemes at affordable rates.
    • Balance Transfer: Transfer all other credit card balances to your Equicom Gold Credit Card and enjoy simple and affordable monthly payment terms.
    • Rewards Program: For every Php 300 or US$ 1 that you spend on eligible transactions, you will receive 1 Reward Point. You can redeem your earned reward points on dining or shopping at any VISA merchants across the world through your Equicom Gift Card.
    • Auto Bills Feature: You can conveniently pay all your monthly bills through one simple step. Auto Bills feature will consolidate all your bills into a single bill and charge it to your Equicom credit card. You will need to enroll for this feature to avail it.
    • Flexible Monthly Payments: You only have to pay 5% of your outstanding balance or Php 500/US$ 50, whichever is higher. You will also enjoy low finance charges that are computed on the basis of the average daily balance.
    • Convenient Payment Options: You can settle your credit card balances through the following options convenient to you - over-the-counter at any Equicom Savings Bank branches, Equicom Auto Debit facility, Mobile Banking or any accredited payment centers across the nation.
    • Unlimited Supplementary Cards: You can enroll as many supplementary credit card applicants as you wish and spread the love with family and friends. You can also assign sub limit for each supplementary card.
    • 24/7 Customer Support: For any queries/inquiries regarding your credit card, you can call the Equicom Customer Service or Domestic Toll free Number available on the official Equicom Philippines website.
    • Worldwide Acceptance: The Equicom Credit Cards are accepted in over 31 million VISA accredited establishments across the world.

    Eligibility Criteria:

    You must meet the following eligibility criteria to apply for Equicom Gold Credit Card:

    • You must be between 18 and 70 years of age
    • You must be a resident of the Philippines
    • You must earn a minimum gross income of Php 500,000 per annum. You must be able to verify your annual income earned by submitting necessary documents.

    Documentation Requirement:

    You must submit the following documents to be eligible to apply for Equicom Gold Credit Card:

    • The completed application form with your signature.
    • Income Proof Documents – According to the BSP Circular No.622, you must submit your latest Income Tax Return with a Bank/BIR stamp or BIR form No.2316 AND the following documents:
      • Salaried employees must submit any 1 of the following documents which must not be older than 3 months:
        • Employment Certificate – must contain your hiring date, compensation and position
        • Appointment Letter
        • Employment Contract
        • Salary Increase notices, if applicable
        • Most recent Payslip – must show your 1 month’s income
        • Most recent Credit Card Statement
      • Self-employed applicants must submit ALL of the following documents:
        • Your most recent Tax Return document for a full year.
        • Financial statements (must be audited).
        • A copy of your registration with the DTI, SEC or any appropriate government agency.
        • If your business is not listed in the top 5,000 corporations, you must additionally submit your bank deposit certificate or your latest credit card statement.
      • Foreigners must submit a copy of any 1 of the following documents:
        • Your Philippines Visa
        • Alien Certificate of Registration stating which type of Visa you hold
        • ICR or Immigration Certificate of Residence
        • Note: The documents mentioned above must hold a minimum validity of 1 year from your application date.
    • ID Proof documents – you must submit a copy of any 2 of the following ID proof (front and back copy) documents:
      • Passport
      • Driver’s License
      • Company ID
      • SSS
      • GSIS Photo card
      • PRC ID (Philippine Regulatory Commission)
      • BIR ID
      • Integrated Bar of the Philippines ID
      • ACR or ICR (Immigrant Certificate of Registration)
      • Government Office and GOCC ID
      • OFW or OWWA ID (card type)

    Fees and Charges:

    • Principal Card - Php 2,000 per annum
    • Supplementary Card - Php 1000 per annum
    Item/Product Fees/Charges
    Monthly EIR (Effective Interest Rate)
    • Peso – 3%
    • Dollar – 2.50%
    Late Payment Charges
    • Peso – 5%
    • Dollar – 4%
    Pre-termination charge for Instalment Plan Php 500 or 5% of the unpaid principal amount – whichever is higher

    Applying for Equicom Gold Credit Card:

    You can download the credit card application form available online on the Equicom Savings Bank official website, Philippines and submit it to the bank.

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