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Perks, Rewards, and Advantages: Cebuana Lhuillier’s 24k Loyalty Program

Have you ever experienced being a part of a club, which grants you rewards and bonuses every time you avail or accomplish something within the rules and regulations of that particular club? This concept isn’t really a new thing, since certain shops and establishments have been doing this for many years. You have various promos, leads, and discounts depending on the frequency of your purchases, and you are in fact considered too valuable to be a lost-cause customer. You are one of the many patrons who are keeping the business on its feet and you will always be considered a special part of the business itself.

Indeed, this might be something that you are very much aware of. In fact, we are willing to bet that you already have a couple of membership cards in your wallet, all attributed to multiple establishments which you may have bought from in the past couple of years or so. With that in mind, we wish to introduce you to another exclusive loyalty program that you may participate in, featuring all the right perks and rewards that you can ever ask for. We wish to introduce you to Cebuana Lhuillier’s 24k Loyalty Program!


What is Cebuana Lhuillier’s 24k Loyalty Program?

The 24k Rewards Program is a program that provides perks and rewards to Cebuana Lhuillier clients. By availing the 24k Card, you will have exclusive privileges, discounts and special service offerings that can be used every time you transact with Cebuana Lhuillier. You can earn 1 point for every Php 40 interest or service fee you pay. Yes, you read that right, each point is worth Php 1.00.


Where can I sign up for the Cebuana Lhuillier’s 24k Loyalty Program? Where do I get my Loyalty Card?

You may visit the nearest Cebuana Lhuillier branch to get your very own 24k card. After which, you have to register your card at Keep in mind that you should provide all the correct details in order to utilize the various features of 24k online.


May I use the features of the 24k online even though I have no 24k card yet?

Yes, you may. Cebuana Lhuillier made sure that their 24k Loyalty Program would be accessible by people from all walks of life, which is why even if you are a non-card holder, you can still get to experience the perks and rewards of being a member of the loyalty program. This is made possible as non-card holders may register online and receive a virtual card instead. This is a convenient way of experiencing the benefits of the loyalty program without having to add an extra weight in your wallet.


What are the features of the 24k online website?

You may accomplish the following transactions and use the said features within the 24k online site:

-Buy eLoad

-Appraisal Calculator

-Remittance Tracking

-Transfer Points

-Renewal/Redemption Calculator

-Buy Insurance

-Online Appointment

-Branch and Partner Locator


That looks good and all, but is there more that I need to know about the loyalty program and its website?

Yes, you may have to take note of the programs’ terms and conditions as well. The full version has a lot to take from, but we’ve chosen a couple of vital things which you may have to remember while using the 24k card and its equivalent website:


  • As the cardholder, you shall be liable for all transactions made through the use of the 24k Virtual Card.
  • All Cebuana Lhuillier clients can apply for the 24k Virtual Card. Existing 24k cardholders have the option to also apply for the 24k Virtual Card.
  • The 24k Online Portal is completely customer self-service where the card holder shall enter/provide the 24k card number and preferred password. The issuer recommends the use of a strong but easy to remember log in details.
  • Cebuana Lhuillier reserves the right to block access and or edit or remove any material which may give rise to a breach of these Terms and Conditions of Use.
  • The cardholder has full responsibility over the security of his/her PC, Mobile Device/s, SIM card and confidentiality of his/her User ID and password/s and all transactions.
  • It is cardholder’s sole responsibility to change the password through 24k Online Portal if its confidentially has been reasonably suspected to have been compromised to avoid any unauthorized use of the cardholder’s account.

Take note of those terms and conditions so that you wouldn’t run into any trouble while using the website or your 24k card.


Do all transactions give off a single point?

No, as a matter of fact, there are a couple of transactions which provides more points:

  • Domestic Remittance – 1 point
  • Pawning Transaction – 1 point
  • International Payout – 3 points
  • International Sending – 5 points
  • Every P40 interest or service fee paid at any Cebuana Lhuillier branch – 1 point

You may claim your points online via the new 24k website.


Are there any rules when it comes to redeeming points?

Not much, except for the following conditions:

  • To redeem and use the reward points, you (the card holder) should have a minimum of twenty (20) stored points. Php1.00 is equivalent to 1 point.
  • If no error is reported by a card holder within 7 days from the last transaction, Reward Points reflected on the receipt shall be deemed correct.
  • Rewards Points will not be offered for cancelled transactions or any transactions subsequently reversed or refunded in whole or in part.
  • The issuer reserves the right to change the Rewards Points earning rate. The issuer also reserves the right to restrict or limit the number of Rewards Points earned on each transaction in connection with special program, facilities and promotional activities.


How exactly do I earn my Rewards Points?

There are four simple ways for a card holder to earn reward points:

  • Pawning Transactions (sangla, tubos, at tubo) – monthly interest and liquidated damages paid by the client will earn a corresponding number of reward points.
  • Domestic Sending Money Remittance Transactions – remittance service fee paid by the sender will earn a corresponding number of reward points.
  • International Remittance Transactions – every international sending transaction will earn five (5) points and three (3) points for every international payout transaction.
  • ProtectMax Microinsurance – every Certificate of Cover (COC) purchased will earn one (1) point.


Well, this is just the beginners’ lesson when it comes to Cebuana Lhuillier’s 24k Loyalty Program. If you’d want to know more or are interested in joining the loyalty program itself, feel free to visit or you may visit our official website at for more details.