Unlock Your Financial Freedom with Zero Fees

Finbubu Virtual Credit Card provides you with access to a revolving Virtual Credit Card. Unlike traditional loans, this allows you to borrow funds repeatedly, up to a predetermined credit limit, without the need for reapplication, as long as minimum payments are made on time.
  - If you only make purchases and pay your full statement balance on or before the due date, you won’t pay any interest.
  - You can use Finbubu Virtual Credit Card to:

- Make purchases (via QR Ph or your linked Finbubu Card) – these qualify for a grace period

- 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.

With Finbubu 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 Finbubu Card and pay your full balance on time. These purchases qualify for a grace period. We offer a grace period of up to 49 days (it is not exactly 49 days, the possible minimum is 19 days) on purchases made through QR Ph or your linked Finbubu Card.
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”.

Finbubu Credit operates on monthly cycles, each ending on a specific date assigned to your account.
1.At the end of each cycle, you will be informed of your minimum payment due.
2.You must pay at least this minimum amount by the due date to avoid late payment fees.
3.You can pay more than the minimum—or even the total Outstanding Balance—at anytime.
4.This minimum amount is the lowest amount required to keep your Virtual Credit Card active and ensures coverage for your credit usage.

Visit Finbubu – How to repay for more information. Note that repayments exceeding your Outstanding Balance by more than 200 Philippine pesos are not permitted.