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In this article, you will learn all the most important information about senior citizen discounts in the Philippines. If you have reached retirement age, you are entitled to many benefits. Also, people who are retired but have a stable income and have not yet reached the age of 70 can benefit from Digido loans. The probability of getting a loan is over 90%!

Key takeaways:

  • Every senior citizen in the Philippines can take advantage of various discounts in different areas.
  • This is taken care of by the government.
  • Pensioners can get discounts on medicines, shopping, travel and other expenses.
  • If you do not have enough money, you can take out a loan from Digido under the age of 70.

Senior Citizen Discount and Benefits in the Philippines 2021

There are so many reasons to look forward to your 60th birthday. Not only retirement from work with lump sums of money and a guaranteed monthly pension but also a long string of benefits once to hit the number of 60. Worldwide, people are considered to be seniors or senior citizens if they are more than 60 or 65 of age. Here in the Philippines, aside from being a Filipino citizen you must also be a resident to be recognized as a senior citizen or elderly and be entitled to benefits mandated by law. This is also applicable to senior citizens who have dual citizenship status as long as they can show proof of their Filipino citizenship and have at least 6 months of residency in the country.

The reason why senior citizens are given many privileges by the government is that they have greatly contributed to the country and their families. Now that their activities are more limited, it is society’s turn to take good care of them. To grab senior citizen discount In the Philippines it is quite easy. We will tell you about this below.

About Senior Citizen Act

For those who are still years away from being a Sexagenarian, it still pays to learn about it now. You can use it as a basis for your long-term goals or when you are looking after your parents or grandparents. It is important to be well-informed of their rights and privileges so as to make sure that they will enjoy what is due to them. Republic Act 9994 (otherwise known as the Expanded Senior Citizens Act of 2010) defines the privileges all senior citizens in the Philippines are entitled to.

The highlight of all senior citizen benefits in the Philippines is that whether you pay in cash or by card, you are entitled to a 20% discount and are exempted from value-added tax (VAT) on particular goods and services that you will exclusively use. Here are the essential products and services where you can use your 20% discount and VAT exemption benefit.

What is a Senior Citizen ID?

First of all, if you do not know where to avail of a senior citizen ID, visit your barangay hall or municipal or city hall and they will direct you to the Office of the Senior Citizen Affairs (OSCA). OSCA will help you process your senior ID and release it to you. Moreover, always remember that the Senior Citizen discount Law applies everywhere in the Philippines.

This is why you can assert your right to these discounts to establishments that are mandated to give such discounts. Also, just in case you left your senior citizen ID at home, you can use any valid ID to avail of your discount. Valid IDs honored by establishments include a passport, SSS UMID card, GSIS ID, driver’s license, voter’s license, or postal ID. Just take note that double discounts are not allowed. This means that if something is on promo, you can only choose either your senior discount or the promo.

For instance, if you are unable to buy your needs, an authorized representative is allowed to claim the 20% discount on your behalf when purchasing your needs. Your representative must grant your senior citizen ID or any government ID, OSCA Purchase Booklet, representative’s ID alongside with the authorization letter signed by you.

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Senior Citizen Discount on Medicines

As long as you have a doctor’s prescription, you are eligible to use your senior citizen card to buy generic and branded medicines, vitamins, and mineral supplements. Even the purchase of medical supplies and equipment such as hearing aids, eyeglasses, wheelchairs, crutches, and dentures are discounted and VAT exempted. If you have to have a medical or dental check-up, you are eligible to ask for a discount from your doctors and other licensed health workers.
In case you have to undergo laboratory tests like blood tests, X-rays, and others, you can be relieved by the fact that you will be getting a discount for these procedures.
Senior citizens, especially those who are indigents, can avail of free medical and dental services as long as the medical procedures will be done in government facilities. This includes free flu and pneumococcal vaccinations.

Senior Citizen Travel Discount

Even your travel expenses are lessened now that you are a senior citizen. Whether you are just traveling short distances through jeepneys, buses, taxis, shuttle services, or trains, you can enjoy the privileges of being a senior citizen. If you are going for a vacation to other parts of the Philippines, your citizen card will make your getaway more affordable. Domestic flights, physical bookings, and online bookings in AirAsia, Philippine Airlines, and Cebu Pacific are eligible for a 20% discount and VAT exemption. Take note, however, that this discount does not cover baggage allowance, other fees, and international flights.
For senior citizens who find it troublesome to commute, there is an exemption for the number coding scheme for seniors whether they may be the driver or passenger. In cities like Manila, Cebu, Muntinlupa, and Quezon, seniors can enjoy free parking benefits.


  • How much is PhilHealth discount for senior citizen?
    Senior citizens have mandatory PhilHealth coverage as stipulated in RA 9994. When they are confined in private hospitals, they can avail of PhilHealth benefits in addition to the 20% discount and VAT exemption.
  • Does senior citizen need to pay PhilHealth?
    Elderly people who are employed or have a regular source of income must continue to pay contributions to PhilHealth.
  • How old is a senior citizen in the Philippines?
    This category includes people over the age of 60.

Senior Citizen Discount on Restaurants and Hotels

You can enjoy meals, desserts, and beverages in a dine-in, take-out, drive-thru, and delivery orders without worrying too much about how much you have to pay. This covers 20% discounts from big fast-food chains such as McDonald’s, Jollibee, KFC, Chowking, Mang Inasal, and Greenwich. When availing deliveries, just make sure you mention your name and your senior citizen number. This is one of the most popular citizen discounts on food.
Speaking of an affordable vacation, accommodation, and amenities in hotels, beach resorts, or any air BnB is also part of the 20% discount and VAT exemption benefit.

Senior Citizen Recreation Discount in the Philippines

If you also enjoy sporting activities like working out in the gym, playing badminton or tennis, ballroom dancing, or even bowling, you can definitely use your senior card to avail of a discount. This also includes other artistic leisure activities such as going to theaters, cinemas, museums, concert halls and parks. Some cities even provide free movie tickets to senior citizens and send cakes on birthdays.

Senior Citizen Utility Bills Benefits

Senior citizens are entitled to a 5% discount from water and power bills if the accounts are in their name and their household does not consume over 30 cubic meters of water and 100 kWh or less for electricity.

Senior Citizen Discount in Grocery Stores

Even if you cannot avail of 20% on each item, you can enjoy a special 5% discount without VAT exemption on certain groceries as mandated by the Department of Agriculture and Department of Trade and Industry. If you purchase groceries valued at about 1,300 pesos a week, you can avail yourself of a 5% discount on retail prices of prime commodities and necessities. This includes rice, bread, corn, fresh, canned, or processed chicken, beef, and pork, fresh eggs, coffee, creamer, and sugar, fresh fruit and vegetables, garlic and onions, cooking oil and salt, noodles, canned sardines, and canned tuna, fresh milk and other dairy products, detergents, electrical supplies, light bulbs, batteries, and geriatric diapers. This discount applies in supermarkets, convenience stores, and drug stores as long as you bring your senior card with you as well as your OSCA purchase booklet that you received along with your senior card.

Senior Citizen Philhealth Benefits

As stipulated by Republic Act 10645, every Filipino senior citizen is entitled to receive PhilHealth coverage in healthcare facilities that are accredited by the government. Even without the Member Data Record (MDR), senior citizens can avail themselves of medical treatments by just presenting their senior citizen ID. This Philhealth benefits for senior citizen is in addition to the standard 20% discount and VAT exemption when admitted to private hospitals. Senior citizen hospitalisation benefits in the Philippines are largely due to PhilHealth.

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Quick Loans for Pensioners in the Philippines

If you are a senior citizen who is in dire need of cash, Digido can help you. As long as you have not reached the age of 70 years and you still have other sources of income aside from your pension, you can still apply for a loan at Digido. Digido is one of the few companies that approve loans to pensioners in the Philippines. It does not include too many requirements for you to be able to apply for a loan.

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All you need to do is to present one valid government ID and a valid mobile number. You no longer need to fall in long queues because you can receive the loan you need in just a few minutes from the comforts of your home. There will be no worries on how to return the amount borrowed either because payment terms are flexible. However, no matter how fast and easy it is to borrow money from Digido, always remember that loans must only be taken out for emergency reasons.

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Written by: Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Digido Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.