Published: November 5, 2020 | Updated: November 9, 2020 | Posted by: Venus Zoleta | Personal Finance
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 the GCash card ideal for students, fresh graduates, freelancers, unemployed people, and others who find it hard to get approved for a credit card.
Want to get your own card from GCash? Here’s everything you need to know about buying, activating, and using a GCash Mastercard.
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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.
Related article: 8 Mobile Wallets for a More Convenient Online Transaction
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.
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.
Just look for the BancNet or Mastercard logo on the machine, and you can withdraw using your GCash prepaid card like an ATM or debit card. For the ATM PIN, simply enter your four-digit GCash mobile PIN (MPIN).
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.
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.
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.
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 MPIN to complete your transaction.
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.
There are three ways to order a prepaid card from GCash: through the GCash app, GCash Mastercard Online Order Form, and authorized convenience stores.
If you’ll order a GCash Mastercard online, make sure that your address is within the GCash coverage areas. You may check this list of non-serviceable areas.
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.
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.
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.
Technically speaking, the GCash card is neither a credit card nor a debit card, though it works like one. As a prepaid card, you can top it up with money and 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.
Yes, it is 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).
You can have multiple cards if you have two or more GCash wallets registered under your name. However, under the GCash Terms and Conditions, only one GCash card can be linked to a GCash wallet.
Your GCash card will be delivered within 10 working days after you’ve paid the GCash Mastercard fees.
You may contact GCash customer service through any of the following channels to follow up on your card status:
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.
Your GCash card is valid for 5 years. Upon expiry, you can apply for a new one and get a new card number.
Discover more e-wallets in our guides:
For your safety, buy a GCash Mastercard directly from GCash through its online channels or from any of its partner stores. Avoid getting a card from online resellers—you won’t know if what they’re selling is legitimate or compromised. Once you start using your card, always monitor your transactions through the GCash app and report any suspicious or unauthorized transaction to GCash.