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
You can freeze it at any time
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
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
FAQs
With Salmon Credit, 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 full balance on time. These purchases qualify for a grace period. We offer a grace period of up to 62 days (it is not exactly 62 days, the possible minimum is 28 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.
If you only make purchases and pay your full statement balance 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.
Just open “Cash In” and select “Full statement balance”.
Salmon Credit operates on monthly cycles, each ending on a specific date assigned to your account. The number of cycles is unlimited.
- At the end of each cycle, you will be informed of your minimum payment due.
- You must pay at least this minimum amount by the due date to avoid late payment fees.
- You can pay more than the minimum—or even the total Outstanding Balance—at anytime.
- This minimum amount is the lowest amount required to keep your credit line active and ensures coverage for your credit usage.
Visit Salmon — How to repay for more information. Note that repayments exceeding your Outstanding Balance by more than 200 Philippine pesos are not permitted.
Just make purchases by card or QR with your Credit Line and you’ll earn 0.5% cashback on every eligible payment.
You can earn up to 0.5% of your credit limit per month.
Your earned cashback becomes available after the billing cycle ends and can be used to pay your outstanding Credit Line balance.
For more information, check out the detailed FAQ on how cashback works.
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