Skyro Launches Pioneering Customer-defined Cashback Programme in the Philippines
The programme is available to eligible users of SkyroCredit, Skyro's reusable digital credit line within the Skyro app.
Each month, customers can select four out of seven cashback categories and earn rewards of up to 30% on eligible purchases. Categories may include groceries, dining, pharmacy, online shopping, fuel and household bills, and customers can change their selections from one month to the next as their spending priorities change.
Customers who prefer not to choose individual categories can instead earn 0.5% cashback on all eligible transactions.
"At Skyro, we want customers to have greater control over their finances. That principle led us to develop a cashback model that allows people to decide where they earn rewards rather than having those categories chosen for them. It is the first programme of its kind in the Philippine market and is designed to reward customers for everyday purchases they already make, not to encourage additional spending," said Arsen Liametov, co-founder and co-CEO of Skyro.
The programme has no minimum spend requirement to qualify for cashback, meaning customers do not need to increase their monthly spending simply to reach a rewards threshold. Cashback is credited directly in Philippine pesos rather than virtual points: every PHP 1 earned in cashback equals PHP 1 that can be applied to a future SkyroCredit purchase.
Customers who prefer not to choose individual categories can instead earn 0.5% cashback on all eligible transactions.
The new programme builds on the flexibility of SkyroCredit, which eligible customers can use wherever QR Ph payments are accepted. Customers simply scan or upload a merchant's QR Ph code in the Skyro Philippines app and pay using their available SkyroCredit limit, whether in-store or online. The QR-based model may also be adaptable in other emerging markets where QR payments are widely used.
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About Skyro
Skyro is a high-growth, digital-first fintech group delivering scalable, responsible financial access across high-potential emerging markets. Powered by proprietary data science, AI-driven credit decisioning, and alternative-data scoring, the company combines a mobile-native experience with modular fintech architecture to serve underserved client segments at scale.
As of 2026, Skyro has a registered user base of more than 7 million and a credit portfolio exceeding USD 200 million. The company's ambition is to become a leading full-spectrum financial services group across high-potential markets by combining capability proven at scale with a commitment to building each business around the needs of the market it serves.
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