All about SkyroCredit

Big or small gastos, SkyroCredit’s got you. It’s flexible, reusable, and always ready when you are. Shop now, pay later (with benefits). And yes, may cashback!

Ready? Let’s get to the details.

What is SkyroCredit?

SkyroCredit is your reusable credit line from Skyro — use it, pay it back, and use it again anytime. Use it to pay at drugstores, convenience stores, restaurants, sari-sari stores, and palengke stalls that accept QR Ph — like 7-Eleven, Watsons, Mercury Drug, McDonald's and many more.

You can use a little or a lot, depending on what you need. Once you’ve paid back what you used, your limit becomes available again — so you can keep using it anytime, without needing to apply again.

• Get 1% cashback automatically every time you use it
• Use it anytime, even before payday
• No service fees or processing charges
• One free top-up each month
• Get up to 45 days to pay with no interest, every month
• Interest is charged only if you don’t pay your interest-free amount on time

Perfect for those who want flexible borrowing — small or big — without getting a full loan!

Is this the same as Skyro Pocket?

Yes! SkyroCredit is the new and improved version of Skyro Pocket. Same product, better features and a new name.

If you're new to Skyro, this means you get a reusable limit that you can use to shop in stores via QR Ph.

Where can I use SkyroCredit?

You can use it for daily needs or big purchases, as long as the store accepts QR Ph. You can spend a little or use your full limit — it's up to you.

How do I pay using SkyroCredit?

Tap the QR icon in the middle of your Skyro app, scan the store’s QR Ph code, then confirm your payment.

You can find the QR Ph code at the payment counter, either on a small sign or on the screen of the cashier’s point-of-sale (POS) terminal.

How do I pay back my SkyroCredit?

You can pay through online payment options like GCash, BDO, or BPI. Over-the-counter options are also available. Just follow the payment steps inside your Skyro app.

Each month, you’ll get a bill with flexible payment options.

• Interest-free payment: Pay the full outstanding balance shown on your bill — this is the amount you used from your limit during the period. If you pay it on or before the due date, you won’t be charged interest. You have up to 45 days to pay, counted from your billing date.

Example: If your limit is ₱5,000 and you spent ₱2,000, just pay back ₱2,000 on or before your due date and you won’t be charged any interest.

• Minimum payment: This is the required amount you must pay to avoid late fees and keep your SkyroCredit active. It’s 10% of your credit limit. If you choose to pay only the minimum, interest of 7% will apply only to what you used.

Example: With a ₱5,000 limit, the minimum is ₱500. If you spent ₱2,000 and choose to pay only the minimum, interest will be charged on the ₱2,000. The total interest depends on how many days your balance stays unpaid and how much you still owe each day.

Paying only the minimum keeps your account in good standing, but you’ll still be charged interest. To avoid interest, choose the interest-free payment option instead.

If you haven’t used your SkyroCredit for the month, there’s nothing to pay. You won’t be charged anything.

How much is the interest rate for SkyroCredit?

You can enjoy up to 45 days with no interest if you pay your full monthly bill on time.

But if you only pay the minimum or miss your due date, a 7% monthly interest applies to the unpaid amount — and will continue until the full balance is paid.

Can I increase my SkyroCredit limit?

Yes! SkyroCredit is reusable, you don’t need to apply every month. To keep growing your limit, just keep using SkyroCredit and make sure to pay enough to cover what you’ve used every month. The more you use it responsibly, the better your chances of getting a higher limit.

Tip: Pay on time and keep using SkyroCredit to increase your limit over time!

What is cashback?

Cashback is a portion of what you spent that’s returned to you. With SkyroCredit, you get 1% back on every payment but only for purchases of ₱100 or more.

That means ₱100 = ₱1 cashback.

It’s automatically added to your cashback balance in the app — just look for the blue rocket icon next to your SkyroCredit balance.

How do I earn cashback with SkyroCredit?

Just use SkyroCredit to pay! No need to activate anything. Every time you spend, 1% is added to your cashback balance once the payment is processed.

Example: If you spend ₱1,000 using SkyroCredit, you’ll earn ₱10 cashback.

How can I use my cashback?

Once your cashback reaches ₱100, you can start using it. Just tap to apply it when paying with SkyroCredit — it won’t be used automatically unless you choose to. ₱1 cashback = ₱1 off, so it works just like a discount.

If the amount you’re paying is more than your cashback, the rest will be paid using your SkyroCredit limit.

Reminder: Cashback stops earning once you reach ₱500, so make sure to start using it to keep earning more!

How is SkyroCredit different from other Skyro products?

SkyroCredit is a flexible and reusable credit line you can use to pay in stores by scanning QR Ph codes. You can settle your bill later — with no interest if total balance is paid in full up to 45 days. Unlike other loans, you don’t pay interest on the full credit limit. You only pay for what you used and only from the time you used it. Once you pay it back, your limit becomes available again, and you can keep using it anytime.

SkyroCash is a cash loan that sends money straight to your bank account or e-wallet once you’re approved. It may be offered to good-paying customers or through Skyro’s cash loan partners. You can use it any way you like — whether for daily needs or personal goals.

SkyroSplit is an installment plan that lets you turn your purchases from partner stores into lighter monthly payments. It’s a great way to buy gadgets, appliances, or furniture and pay over time. Approval is fast, and the terms are clear — all while you shop in-store or online.