Credit that you can use for free forever
Pay back in full within 62 days. No extra fees
Zero annual fees
Free to keep, year after year, unlike most traditional credit
Up to ₱250,000
The more you use it, the more your credit limit grows
0% interest for up to 62 days
Just pay in full during your grace period
Use QR Ph or your Salmon card for purchases and pay in full on time to enjoy the offer. Limited-time only. Terms may change per regulations. See full guide for details
Earn cashback on all purchases
Shop as usual
Pay via QR Ph or your Salmon card at stores, restaurants, groceries, and other merchants
Earn cashback automatically
No promo codes. No extra steps. Cashback is calculated on eligible purchases and added to your account
Use it to reduce your balance
Track your cashback in the Salmon app and redeem it manually in the app to pay down your outstanding balance, including applicable fees or interest
Terms, eligibility, and cashback rules may change. See full guide for details.
Virtual and physical cards for everyday needs
Pay online and in-store securely
Freeze it anytime
Block any suspicious transactions instantly
No details on the card, total privacy
Its number, expiry date, and CVV are safely stored in the app, hidden from curious eyes
No opening fees for virtual card
Get started at no cost
Manage your subscriptions
Disable services to avoid surprise fees
Flexible to use
Pay via QR Ph, over-the-counter, bank transfer, e-wallets and more
See your credit score estimate
Know your Salmon score before you apply. No bank visits, no hard checks — 100% free
Get my estimate
Industry-leading security you can rely on
Two-step verification
We'll always verify if it's you, from creating an account to making a payment
24/7 fraud monitoring
If something doesn't look right, we'll notify you and take action immediately
Biometrics and encryption
We use your phone's face or fingerprint scanner to protect your account
FAQ
With Salmon Credit Line, it's possible to continuously use credit without ever paying interest — as long as you use it for purchases via QR Ph or your linked Salmon card and pay your 0% interest payment amount in full on time. We offer a grace period of up to 62 days on purchases made through QR Ph or your linked Salmon card.
Transfer funds to a bank or e-wallet — these are treated as cash transactions, and always accrue interest starting from the date of the transaction. QR payments to a bank, e-wallet, or other financial institution, count as a cash transfer as well and are not covered by the grace period.
If you only make purchases and pay your 0% interest payment amount in full on or before the due date, you won’t pay any interest. That’s because the grace period protects you from interest charges on purchases.
But if you don’t pay in full, interest starts building up from the date of the transaction, not from the due date — and you also lose the grace period for new purchases in the next cycle unless the balance is fully repaid.
Currently, there is no option to select a specific delivery date or time. It will be scheduled automatically within 2-8 days after you submit your request.
Yes, you may change your address by talking to customer service via in-app chat if the package has not yet been handed over to our courier partner.
If already handed over, you may directly coordinate with your assigned courier through their mobile number. They will send you an SMS before heading out for delivery.
Yes, you may authorize another person to receive your card. No need for them to present any documents (such as IDs or letters of authorization) upon delivery.
No, you or your authorized recipient do not need to present any documents to the courier upon delivery.
If the courier is not yet out for delivery: Yes, you may contact customer service via in-app chat to have it canceled.
If the courier is already out for delivery: Yes, you still can. Simply refuse the delivery package when the courier arrives.
You can redeem available cashback manually in the Salmon app.
Cashback can only be used to reduce your outstanding Credit Line balance, including fees and interest. It cannot be:
- Withdrawn as cash
- Transferred to another account
- Used to pay for new purchases
You must have an outstanding balance to redeem cashback. You cannot redeem more cashback than the amount you need to pay.
Whether a purchase earns cashback depends on the category assigned to the merchant by its payment provider.
Payment providers use a standard merchant category code, or MCC, to identify the type of business where you made the transaction, such as a supermarket, gas station, or money transfer service.
Transactions that do not earn cashback include:
- Financial services, money transfers, and e-wallet top-ups
- Gambling, lottery, and betting transactions
- Cash withdrawals and other transactions treated like cash
- Fees, interest, penalties, and account adjustments
- Refunded purchases
For full details, check the list of non-eligible MCCs.
A merchant may be assigned a category that is different from its main type of business. The category provided by its payment provider determines whether the transaction earns cashback.
When a purchase is refunded, the cashback earned from that purchase is also reversed.
If the amount reversed is more than your available cashback, your cashback balance may temporarily become negative. Future cashback earnings will first cover this amount until your balance returns to ₱0.
Cashback does not currently expire.
Cashback rules, limits, and availability may change. Check your Credit Line agreement for the latest terms.
First, check whether:
- The purchase was made during your current billing cycle
- The transaction belongs to an eligible merchant category
- You have already reached your monthly cashback cap
- The purchase was refunded
If the transaction appears eligible but you still do not see any cashback, talk to Customer Service via in-app chat. We’ll help check what happened.
Our commitment to your trust
The DTI Trustmark reflects our commitment to responsible and transparent online business practices, giving you confidence in every online transaction