Title
Credit Card Use for Senior Citizen Discounts
Law
Dswd No. 1-2009, S. Of 2009
Decision Date
Mar 26, 2009
Senior citizens are permitted to use credit cards for purchases eligible for a 20% discount, including medicines and food, while cash payments are required for basic necessities totaling P650 or less.
A

Definition of Exclusivity in Discount Availment

  • The discount is granted exclusively for the use and enjoyment of senior citizens.
  • Restaurants and similar establishments may grant the discount whether payment is by cash or credit card.

Mode of Payment and Discount Eligibility

  • Payment mode (cash or credit card) does not affect the right to avail of the discount.
  • The Department of Trade and Industry (DTI) confirms no distinction in mode of payment for discount purposes.

Specific Guidelines for Credit Card Payments

  • Senior citizens may use credit cards to purchase items subject to the 20% discount.
  • Credit card payments are allowed for purchasing prescription drugs and medicines.
  • For basic necessities and prime commodities subject to a 5% discount:
    • If total purchase is above ₱650, credit card payment is allowed.
    • For purchases ₱650 or less, payment must be made in cash.
  • Credit card payments are allowed for food, drinks, and other consumables in restaurants and similar establishments, conditional on availability of credit card facilities and store policies.

Policy Confirmation and Inter-Agency Agreement

  • The DTI, Department of Agriculture, retailers, supermarket owners, and senior citizens groups agreed upon these guidelines during public consultations.
  • The policy aligns with existing IRR provisions and is aimed at clarifying misconceptions to facilitate smoother discount availing.

Adoption and Signatories

  • The resolution was adopted on March 26, 2009.
  • Signed by representatives of the Department of Social Welfare and Development, Department of Interior and Local Government, Department of Health, Department of Justice, and senior citizens organizations.
  • Inclusion of members from senior citizens federations and related organizations affirms stakeholder consensus.

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