How to Get a GCash Card, Use It to Withdraw Funds at ATMs, and More

With a GCash Card, you get the convenience of card payments even without a credit card or bank account. It’s a great addition to your physical and virtual wallets, so it’s handy to have one.

Here’s a guide that covers everything you need to know about how to get a GCash Card. It also details how to use it and keep it secure.

What is a GCash Card?

The GCash Card is a physical card used with the GCash app to pay for online and in-store purchases. You can also use it to withdraw funds from your GCash account via ATMs.

The new GCash Card is powered by Visa, one of the world’s largest card payment organizations. As such, your card will bear the Visa logo.

Is GCash card a debit card? Yes. It’s a reloadable prepaid card whose amount will depend on the funds inyour GCash account.

Read more:

What are the GCash Card Features?

Here’s an overview of your GCash Visa card:

Comes with an EMV chip,^[1] a 16-digit card number, and a three-digit CVV
Also comes with a Virtual Account Number or the 12-digit reference number
A daily withdrawal limit of ₱40,000 and a limit of ₱20,000 per single ATM transaction

How is the New GCash Visa Card Different from the Old GCash Mastercard?

Basically, the GCash Visa card and the GCash Mastercard work the same way. Perhaps the main difference lies in the appearance. With the GCash Mastercard, important details, such as the card number and the expiry date, are on the front side of the card. However, it doesn’t show the cardholder’s name.

The GCash Visa card, on the other hand, follows a more minimalistic approach. The front side of the card only bears the name of the cardholder. Pertinent details, such as the card number, expiry date, CVV, and virtual account number are all found on the back of the card.

GCash already turned off card orders for Mastercard several months ago. Moving forward, it will only use Visa.

Advantages of a GCash Card

The new GCash Card comes with many exciting benefits. Here are some GCash Visa Card features you can enjoy:

👍 Withdraw Your Funds Whenever You Need Them

Cash is still king. If you need some, all you need to do is wield your GCash Card. With it, you can withdraw from any BancNet or GCash-affiliated ATMs.

👍 Pay for Your Purchases Without Shelling Out Cash

While many establishments nationwide already accept virtual payments via GCash, some shops still don’t have that system in place. If you prefer cashless transactions at non-GCash merchants or you don’t have signal or mobile data to access your e-wallet, you can use your GCash Visa Card to pay.

As of this writing, the GCash Card is accepted at more than 35 million merchants in 210 countries. You can also transact in 150 currencies.

👍 Easily Shop Online

You can pay for your online hauls using your GCash Visa Card. This comes in handy, especially if the online store you’re shopping at doesn’t have an e-wallet payment option.

Disadvantages of a GCash Card

There are many benefits to using a GCash Visa Card. Still, it has its limitations. Here are some of them:

👎 Only Verified Users Can Get a GCash Card

Not everyone with a GCash account qualifies for the GCash Visa Card. If you’re still using a basic GCash account, get your account fully verified before applying for a GCash Visa Card. To do this, verify your identity and submit the required documents via the GCash app.

👎 You Can’t Use It If It’s Not Funded

As the GCash Visa Card is a prepaid/reloadable debit card, you can only use it to withdraw funds or pay for purchases if your linked GCash wallet has available funds.

👎 It Doesn’t Have the Benefits of a Usual Spending Card

As mentioned, your GCash Visa Card is a debit card. While you can use it for everyday spending, it doesn’t have the exciting perks and features of a credit card, such as rebates, points, and air miles.

How to Get a GCash Card

How to avail of a GCash Card? As mentioned, you need a fully verified GCash account first.^[2]Otherwise, you won’t be able to get the card.

So how to apply for a GCash Card? It’s easy. Here are the steps you need to take:

Launch your GCash app. On the homepage, tap View All.
Tap Cards.
Choose Order GCash Card.
On the next page, tap Order a Card.
Choose your delivery method.
Review the details of your card. If you’re all good, tap Next.
On the next page, provide your address. Then, tap Next.
Tap Pay.

How much is a GCash Card? The total GCash Card price is ₱250—that's ₱185 for the card and ₱65 for the delivery.

How to Use Your GCash Card

Days after you’ve completed your GCash card Crder online, it will be delivered to your address. Below are things you need to know to set it up and use it for your various transactions:

📌 How to Link Your GCash Card to Your GCash Account

How to activate a GCash Card? You can do so by linking it to your GCash account. Here are the steps:

Launch your GCash app. On the homepage, tap View All.
On the next page, select Cards.
Tap Link my Card.
Key in the six-digit authentication code and tap Submit.
On the next page, supply the required information, such as the last four digits of your card and virtual account number. Then tap Submit.
You’ll then receive a prompt that you’ve successfully linked your GCash Card to your GCash account.
You’ll be prompted to nominate your card’s six-digit PIN. This PIN is what you’ll use every time you withdraw from ATMs or pay at shops that process card payments.

how to get gcash card - how to link to gcash

📌 How to Pay for Your In-Store Purchases with Your GCash Card

You can use your GCash Visa card at various physical establishments, such as retail shops, restaurants, and hotels here and abroad. Tell the cashier you’ll use a card to pay for your purchase or bill.

Depending on the merchant, you may be required to enter your six-digit card PIN to complete the transaction. Some shops may even accept payWave payment,^[3] which is a more convenient method.

📌 How to Pay for Your Online Purchases with Your GCash Card

On the checkout page, select debit card 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.

📌 How to Withdraw Money from Your GCash Card via ATM

One of the most convenient GCash Visa Card features is ATM withdrawal.

To withdraw, look for a BancNet ATM or any machine that has the Visa logo. Insert your card into the machine and key in your six-digit card PIN. Then wait for the machine to dispense your cash and the receipt.

How to Manage Your GCash Card

In this section, you’ll learn how to organize your GCash Visa details and keep the card safe.

📌 How to Reset Your GCash Card’s Six-Digit PIN

In case you want to reset your GCash Visa’s PIN, just follow these steps:

Launch your GCash app. On the homepage, tap View All.
Tap Cards.
Select your GCash Card account. Then, tap Reset PIN.
Nominate a new card PIN. Then, tap Submit.
You’ll receive a prompt telling you that you’ve successfully updated your card PIN.

📌 How to Lock Your GCash Card

In case your GCash Visa Card is lost or stolen, you can lock it to prevent unauthorized transactions. You may also carry out this measure in case you see unrecognized transactions using your card.

Here are the steps to follow:

Launch your GCash app. On the homepage, tap View All.
Tap Cards.
Choose a GCash card.
Tap Lock Card.
Your GCash card will be grayed out indicating that it’s already locked.

📌 How to Report a Lost or Stolen GCash Card

Other than locking your lost or missing GCash card, you can report the case via GCash’s official website to receive some assistance. Here are the steps:

Go to GCash Help Center’s Submit a Request page.^[4]
Fill out the form and provide the details of your concern.
Click Submit.

📌 How to Deactivate Your GCash Account

If you don’t want to use your GCash Visa Card anymore, you have the option to deactivate it. To do so, just follow these steps:

Launch your GCash app. On the homepage, tap View All.
Tap Cards.
Choose a GCash Card.
Tap Deactivate.
Read and review the deactivation notice. If you’re decided, tap Deactivate It.
Input your card’s six-digit PIN.

How to Get a GCash Card: FAQs

Now that you know how to get a GCash Card, it’s time to address other questions you may have in mind. Check out the following:

1. What will happen to the old GCash Mastercard?

According to GCash, you may still use your Mastercard and enjoy its benefits until its expiry date. Once the card has expired, you’ll need to apply for a new card.

2. I want to follow up on my card’s status. What should I do?

If you want to know the status of your GCash Visa Card application, just get in touch with GCash via its hotline at 2882 (toll-free for Globe and TM) or (02) 7213-9999 (toll charges may apply depending on the network).

3. How long does GCash Visa Card delivery take?

How many days to get a GCash Card? The card will be delivered within four to 10 business days, depending on your location.

Here are the lead times per region:

NCR – Four to six business days
Luzon – Six to eight business days
Visayas and Mindanao – Eight to 10 business days

4. What are the other GCash Visa fees?

You’ll incur GCash Visa Card fees when you use the ATM. Here are the usual rates for the following services:

Withdrawal fee – Ranges from ₱10 to ₱18
Balance inquiry fee – Ranges from ₱0 to ₱2.50

5. How many GCash Cards can I apply for under my name?

While you can have up to five GCash accounts under your name (but with five different mobile numbers), you’re only allowed to apply for one GCash Card under your name.

6. Can I link my GCash card to my GCredit or GGives?

No. Your GCash Visa card is a prepaid debit card, which means it’s only linked to your e-wallet balance.

7. What’s the difference between the GCash Visa Card and GCash AMEX Virtual Pay card?

Both the GCash Visa Card and GCash AMEX Virtual Pay card are prepaid debit cards. They’re both available only to fully verified GCash users. You can also use these cards to pay online and in-store.

The difference lies in the form and appearance. The GCash Visa Card takes on a tangible form. On the other hand, the GCash AMEX Virtual Pay Card doesn’t have a physical form, adding another layer of security since it cannot be stolen. It also comes with a security code that you can renew at your convenience.

📱 Download the GCash App

No GCash app on your phone yet? GCash is available for both Android and iOS devices:

Final Thoughts

Now that you know how to get a GCash Card, apply for one and start reaping the benefits. You can always use the app to pay and transfer money, but you can use your GCash Visa Card as a contingency tool if you can’t access the former.

Once you start using your card, constantly monitor your transactions through the GCash app and report any suspicious or unauthorized transactions. Treat your GCash Card the way you would 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.

Looking for a credit card instead of a prepaid card? Consider these options:

Credit Card for First-Timers	Features and Benefits
UnionBank Rewards Credit Card	1 never-expiring point for every ₱30 spend 3x points when you shop and dine here and abroad Monthly income requirement: ₱15,000 Interest rate: 3%
Metrobank Titanium Mastercard^®	2x rewards points on dining, department store, and online purchases 1 point for every ₱20 spend Monthly income requirement: ₱15,000 Interest rate: 3%
Security Bank Gold Mastercard	1 rewards point for every ₱20 spend Secure online shopping with SecureCode Monthly income requirement: ₱30,000 Interest rate: 3%
Security Bank Next Mastercard	Auto-convert single purchases worth at least ₱5,000 to installments Online purchase protection insurance of up to US$200 Monthly income requirement: ₱45,000 Interest rate: 3%
BPI Blue Mastercard	1 BPI Point for every ₱35 spend Up to 36 months installment terms Up to ₱2 million travel insurance coverage Monthly income requirement: ₱15,000 Interest rate: 3%
BPI Edge Mastercard	1 BPI point for every ₱50 spend Flexible installment plans and payment options Low forex conversion rates at 1.85% Monthly income requirement: ₱15,000 Interest rate: 3%
PNB Ze-Lo Mastercard	Zero annual fees for life on principal and supplementary cards No late payment or overlimit fees Monthly income requirement: ₱10,000 Interest rate: 2.5%
AUB Classic Mastercard	No annual fee for life 0% interest on new purchases 1 rewards point for every ₱50 spend Monthly income requirement: ₱21,000 Interest rate: 3%
AUB Easy Mastercard	No annual fee for life 0% interest on new purchases Flexible credit card payment due date Monthly income requirement: ₱21,000 Interest rate: 3%