How to Get a GCash Mastercard: Steps to Order and Activate Your GCash Card

Published: September 9, 2021 | Updated: September 10, 2021 | Posted by: Venus Zoleta | Personal Finance


how to get a GCash Mastercard l Moneymax

Combining the benefits of a credit card and a debit card, the GCash Mastercard makes a great addition to both your physical and GCash wallets. You get the convenience of card payments even without a credit card or bank account. This makes it important for everyone who uses GCash to learn how to get a GCash Mastercard. 

But worry not! We’ve crafted this guide to give you everything you need to know about buying, activating, and using the GCash Mastercard.

What is GCash Mastercard?

The GCash Mastercard is a physical reloadable prepaid card that is used together with the GCash app to pay for online and in-store purchases as well as withdraw cash from ATMs. It allows GCash customers to enjoy the benefits of a credit card and a debit card in one.

GCash Mastercard Features

There are quite a number of GCash Mastercard features, but here are some of the most noteworthy: 

  • EMV chip card[1] with a 16-digit card number and a three-digit CVV
  • No maintaining balance required
  • Customer Protect Program that covers unauthorized transactions
  • Daily withdrawal limit: PHP 100,000
how to get a GCash Mastercard - front side of the card
how to get a GCash Mastercard - back side of the card

GCash Self-Service Features 

In September 2021, GCash rolled out these new self-service features that you can do right on the GCash app.

Card Linking

You have to link your GCash Mastercard to your GCash account so that you can make withdrawals and pay for purchases using your card.

  1. Open your GCash app on your smartphone and tap on Profile located at the bottom right corner of your screen. 
  2. Choose GCash Mastercard, and then Add a Card.
  3. Enter the last 4 digits of your GCash Mastercard number and the 12-digit Virtual Account Number that can be found at the back of your card. Tap Next
  4. Nominate a 6-digit PIN, and then tap Next.
  5. You’ll see an acknowledgement message that you have successfully linked your GCash Mastercard to your GCash account.

6-Digit Card Pin Set and Reset

The 6-digit PIN is required for you to use your GCash Mastercard to withdraw from ATMs and pay at point-of-sale terminals. Note that the 6-digit GCash Mastercard PIN is different from your 4-digit MPIN, which you use to log in to your GCash account on your mobile phone. 

GCash Card Upgrade: How to Set Your 6-Digit PIN

  1. Log in to your GCash app on your mobile phone and choose Profile
  2. On the Profile page, tap My Linked Accounts > GCash Mastercard.
  3. Select the account for your GCash Mastercard and tap Set Card PIN
  4. Key in your nominated 6-digit PIN. Key it again on the next line to confirm your PIN. 
  5. You’ll see a message prompt on your screen that you have successfully set a 6-digit PIN for your GCash Mastercard.

If you wish to reset your 6-digit PIN, just follow the first two steps above and the rest of the instructions below. 

  1. After choosing the GCash Mastercard account, tap  Reset Card PIN.
  2. Enter your new nominated 6-digit PIN on both fields  to confirm.
  3. A message prompt that you’ve successfully changed the 6-digit PIN of your GCash Mastercard will also appear. 

Card Lock and Unlock

The card lock and unlock feature is a security measure that prevents unauthorized transactions on your GCash Mastercard. Here’s how you can do it.

  • To lock your card, select the GCash Mastercard account and tap the Lock Card option. A prompt will show that your card has been locked and no transactions can be made with it. The locked GCash Mastercard will now appear greyed or blurred out on your GCash app.
  • After selecting the GCash Mastercard account, tap the Unlock Card option if you want to unlock your card. The prompt will show that the card is now unlocked on your GCash  app.

GCash Mastercard Fees

How much will you pay to order a GCash Mastercard, and what are the corresponding fees when you use your GCash Mastercard at ATMs? You may refer to these fees below: 

  • GCash Mastercard Price: PHP 150 (plus PHP 65 delivery fee for GCash Mastercard online applications)
  • ATM withdrawal fee: PHP 20 (local) / PHP 150 (overseas) per transaction
  • ATM balance inquiry fee: PHP 3 per transaction

Related article: 8 Mobile Wallets for a More Convenient Online Transaction

GCash Mastercard Uses and Benefits

how to get a GCash Mastercard - uses and benefits

What can you do with a GCash Mastercard? If you have a GCash account, you might be wondering whether you should get a reloadable prepaid card to go with it. Although using the GCash app alone is enough for most money transactions, having a prepaid card from GCash will make your mobile wallet even more useful.

1. Withdraw Your GCash Balance

Cash out from your e-wallet account through any BancNet ATM nationwide or GCash Mastercard affiliated ATM worldwide.

While GCash offers many other cash out options, this card from GCash can be a lifesaver when you need hard cash for an emergency. GCash partner outlets like SM, Robinsons, and Puregold also allow over-the-counter cash out transactions, but these establishments are open only during certain times of the day. With your GCash prepaid card, you can access your money any time you need it because most ATMs operate 24/7.

How to Use GCash Mastercard for ATM Withdrawals

Just look for the BancNet or Mastercard logo on the machine, and you can withdraw using your GCash Mastercard like an ATM or debit card. For the ATM PIN, enter your six-digit GCash Mastercard PIN.

2. Pay for Online Purchases

Many online stores and sellers accept payments made through the GCash app. But for some online merchants that don’t, your only option could be a credit or debit card payment.

If you don’t have a credit or debit card, you’ll benefit a lot from having a GCash card in addition to your GCash wallet. It enables you to conveniently pay for online purchases, bookings, subscriptions, and other transactions on local and international e-commerce websites such as Amazon, Lazada, and Shopee. You can even pay for your monthly subscription to streaming services such as Netflix and Spotify using your card.

How to Use GCash Mastercard for Online Payments

On the checkout page, select debit card or Mastercard as your payment mode. Enter the 16-digit card number and card expiry date as they appear on your GCash card. You’ll receive a one-time password (OTP) via SMS, which you should input on the website to complete your online payment transaction.

3. Pay for In-Store Purchases

The GCash Mastercard can also be used to pay at physical establishments such as retail shops, restaurants, and hotels in the Philippines and abroad that accept Mastercard credit and debit cards.

This prepaid card comes useful if you can pay only through your GCash account but the store has no Scan to Pay with GCash QR facility.

How to Use GCash Mastercard for Offline Payments

Tell the cashier that you’ll use a card to pay for your purchase or bill. Hand over your GCash card, which will then be inserted into a point-of-sale terminal. When the cashier asks you to enter your PIN, key in your GCash Mastercard PIN to complete your transaction.

Read more: GCash 101: A Handy Guide for New GCash App Users

Apply for a no annual fee credit card at Moneymax!

Who Can Get a GCash Mastercard?

Not everyone with a GCash account qualifies for the GCash Mastercard. Only those with a fully verified GCash account can avail of the prepaid card. If your account is not verified yet, apply for full verification through the GCash app.

How to Get a GCash Mastercard

There are three ways to order a prepaid card from GCash: through the GCash app, GCash Mastercard Online Order Form, and authorized convenience stores.

Note: As of this writing, online applications for GCash Mastercard are temporarily unavailable. But you can sign up on the card order waitlist to be among the first to get notified once applications are available again. You can also check back starting September 15, 2021 for updates on GCash Mastercard availability. 

Also, if you’ll order a GCash Mastercard online once it’s available, make sure that your address is within the GCash coverage areas.

How to Order a GCash Mastercard in GCash App

how to order gcash mastercard in gcash app
  1. Open the GCash app and enter your MPIN to log in.
  2. Tap “View All GCash Services.”
  3. Under “Fund Management,” tap the Cash Out icon.
  4. Under “GCash Mastercard,” select “Deliver.”
  5. Read the instructions on how to order the card online and scroll down to the GCash Mastercard Order Form.
  6. Fill out the required fields.
  7. Tick the small box at the bottom to accept the Terms and Conditions.
  8. Tap “Submit” and take note of the Order ID displayed on the screen.
  9. Return to the GCash home screen and tap “Pay Bills.”
  10. Select “Payment Solutions” > “GCash Mastercard.”
  11. Enter your GCash mobile number and Order ID.
  12. In the Amount field, type “215” (PHP 150 card fee + PHP 65 delivery fee).
  13. Tap the Next button. You’ll receive a text confirmation that contains your reference number.

GCash Mastercard Online Application Steps

  1. Access the Order Form at www.gcash.com/mc-store/orders.
  2. Enter the required details.
  3. Tick the small box at the bottom to accept the Terms and Conditions.
  4. Click the Next button.
  5. Review your order details.
  6. Click on “Submit Verification Details.” A confirmation message will appear on the screen.
  7. Get your phone and open the GCash app.
  8. Enter your MPIN to log in.
  9. Tap “Pay Bills.”
  10. Select “Payment Solutions” > “GCash Mastercard.”
  11. Enter your GCash mobile number and Order ID.
  12. In the Amount field, type “215” (PHP 150 card fee + PHP 65 delivery fee).
  13. Tap the Next button. You’ll receive a text confirmation that contains your reference number.

Where to Buy GCash Mastercard

If your location is among the list of out-of-coverage areas (which means you can’t order online), you may buy a GCash Mastercard at any GCash authorized partner.

  • Select 7-Eleven branches
  • All Day Convenience Store
  • All Day Supermarket
  • Lawson
  • Ministop
  • Robinsons Business Center

Just visit the nearest partner branch and tell the cashier that you’ll buy a GCash Mastercard. Pay the PHP 150 fee and receive your GCash Mastercard Kit.

How to Activate Your GCash Mastercard

To fully enjoy the benefits of your card, you must activate it as soon as you receive it. GCash Mastercard activation involves linking your card to your e-wallet account through either the GCash app or *143# menu.

GCash Mastercard Activation Steps via GCash App

  1. Log in to your GCash account.
  2. Tap the menu on the upper left corner of the home screen.
  3. Select “My Linked Accounts” > “GCash Mastercard.”
  4. Tap the Link Card button.
  5. Type your 16-digit card number (Find this number on the front of your card).
  6. Tap the Link Card button.

GCash Mastercard Activation Steps via *143#

  1. Dial *143# on your phone.
  2. Select “GCash” > “GCash Card” > “Activate Card.”
  3. Enter your GCash MPIN.
  4. Type your 16-digit GCash Mastercard number.

Read more: [Battle of the Brands] PayMaya vs GCash: Which Mobile Wallet App is Right for You?

Frequently Asked Questions About GCash Card

how to get a GCash Mastercard faqs

1. Is GCash Mastercard a credit card or a debit card?

Technically speaking, the GCash card is neither a credit card nor a debit card, though it works like one. As a prepaid card, it can be topped up with money. Use it like a credit or debit card for as long as you have sufficient balance in your GCash account. This way, it’s easy to manage your finances and avoid overspending.

2. Is GCash Mastercard safe to use?

Yes, it’s as safe as other credit and debit cards with an embedded microchip. This EMV technology prevents hackers from stealing your personal information.

Also, GCash cardholders are covered by the GCash Customer Protect Program. Should an unauthorized transaction happen using your card, you can file a dispute and request for a card replacement by calling the GCash customer service hotline 2882 or submitting a ticket in the GCash Help Center (help.gcash.com).

3. Can I have two GCash Mastercards?

You can have multiple cards if you have two or more GCash wallets registered under your name. However, under the GCash Terms and Conditions,[2] only one GCash card can be linked to a GCash wallet.

4. When will I receive my card?

Your GCash card will be delivered within 10 working days after you’ve paid the GCash Mastercard fees.

5. How to follow up on my card’s status?

You may contact GCash customer service through any of the following channels to follow up on your card status:

  • Hotline: 2882
  • Email: support@gcash.com
  • Facebook Messenger: m.me/gcashcare

6. Can somebody else claim my card for me?

It would be safer if you receive your own card and present any valid ID to prove that you’re the intended recipient. If you’re not available to receive your order, you may assign another person to claim it for you. Simply give your representative an authorization letter and your valid ID.

7. What is the expiration date of my GCash Mastercard?

Your GCash card is valid for five years. Upon expiry, you can apply for a new one and get a new card number.

8. Why is my GCash Mastercard suspended? 

If there are transactions deemed fraudulent by the system, your GCash Mastercard will be suspended. This is a step to secure your account. To avoid suspension, make sure that your GCash account is safe by never sharing your PIN to anyone.

9. How do I submit a ticket for card reactivation? 

To make a card reactivation request, submit a ticket[3] and provide the following information. 

  • Email address linked to your GCash account
  • Your full name registered with GCash
  • Mobile number registered with GCash
  • Concern Category: GCash Mastercard
  • An explanation of your request to help speed up the reactivation process 
  • Attachments to prove your claim, like receipts or confirmation emails

10. My account was debited, but no cash came out of the ATM. What should I do?

If the ATM did not successfully dispense cash but your account was still debited, wait for two days for the amount to be posted on your account again. However, if after two days your account is still not updated, you can submit a ticket. The following information should be provided:

  • Details of your concern
  • Your name
  • Your mobile number
  • Date and time of transaction
  • Amount
  • Bank/ATM
  • Location
  • Relevant attachments  (if any)

11. How long should I wait for a GCash representative to address my concern?

Normally, it only takes 24 hours for your concerns to be confirmed and resolved. However, due to the high volume of calls, you’ll receive SMS notifications about your concern within 7 banking days. 

Final Thoughts

Now that you know how to get a GCash Mastercard, apply for one and start reaping the benefits. You can always use your GCash app to pay and transfer money. But a GCash Mastercard is a contingency tool whenever an internet connection is not available to access the GCash app. 

Once you start using your GCash Mastercard, always monitor your transactions through the GCash app and report any suspicious or unauthorized transactions. Treat your GCash Mastercard the same way you treat any debit or credit card. When you keep your card safe and your account information confidential, you also secure your money in your e-wallet. 

Discover more e-wallets in our guides:

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