Got questions about SkyroCredit, boss?

How can I use SkyroCredit?

SkyroCredit is not a credit card, it's better! Just scan a QR Ph code, pay, and get up to 30% cashback on your purchases. Use it anywhere from sari-sari stores to drugstores, and enjoy 0% interest up to 45 days when you pay your interest-free amount by your due date.

You can earn up to 30% cashback on eligible transactions and choose the categories where you want to earn more each month.

Every month, you’ll get 7 cashback categories to choose from in the Skyro Philippines app. Pick 4 categories where you want to earn cashback for that month.

Your categories may cover different types of everyday spending, such as groceries, dining, online shopping, gas, bills, and more.

The categories and cashback rates available to you change every month, so you’ll get a new set to check and choose from.

And yes, even small purchases count! There’s no minimum purchase amount required to earn cashback with SkyroCredit. ₱1 cashback = ₱1 off, like a discount!

Tip: Keep using SkyroCredit to grow your limit up to ₱100,000.

You can use a little or a lot, depending on what you need. Just make sure you have enough available limit.

Every time you use SkyroCredit, your available limit goes down.

For example: ₱6,000 limit → spend ₱1,000 → ₱5,000 still available

When you make repayments, your available limit increases again, so you can keep using SkyroCredit anytime without needing to apply again.

How to pay for SkyroCredit?

There are 2 ways to pay for your SkyroCredit bill: online or over-the-counter. Find out how to pay here. {link}

Can I convert my SkyroCredit to cash?

Yes, if Cash out is available to you, boss! Cash out lets eligible customers turn part of their available credit limit into cash and transfer it to an e-wallet or bank account. Cash out and transaction fees apply.

👉 Learn more about Cash out here.

Don’t see Cash out yet? Keep using your SkyroCredit and paying on time. In the meantime, just scan any QR Ph code to pay and get cashback on eligible purchases.

Important: Other than Cash out in the Skyro app, SkyroCredit can’t be converted to cash. It is designed for purchasing goods and services.
Converting it to cash through merchants may put you at risk of scams. It may also lead to your SkyroCredit being blocked or removal from the cashback loyalty program.

Please note that Cash out transactions don’t earn cashback.

How to compute my SkyroCredit loan amount?

There are two payment options for your SkyroCredit.

Interest-free payment: The Interest-free payment is shown on your SkyroCredit screen in the app. No need to compute anything, boss! Pay this amount on or before the due date to avoid interest. Example: If your credit limit is ₱5,000 and you spend ₱2,000, paying the full ₱2,000 on or before your due date means no interest

Minimum payment: The required amount you must pay to avoid late fees and keep your SkyroCredit active. It’s a portion of your credit limit. If you choose to pay only the minimum, interest will apply to your outstanding balance until it is paid off.

Example: If your credit limit is ₱5,000, and your balance on the billing date is ₱1,000, the minimum payment is ₱500

Note: The minimum payment is never more than your outstanding balance. So if your balance on the billing date is ₱150, the minimum payment is ₱150.

How do I close my SkyroCredit?

We’re sad to see you go, boss! If you’d like to close your SkyroCredit, please make sure you don’t have any pending or overdue payments. Chat with us in the Skyro app, and we’ll help you close your account.