October 1 to November 30, 2025
Home Credit Card FREE 500 Loyalty Points Promo
Step 1
Must be an eligible Home Credit Card holder
Step 2
Transact using your Home Credit card
Step 3
Enjoy an instant ₱500 cashback—credited as loyalty points!
Promo Mechanics and Conditions
Promo is open to target Home Credit Cardholders with active accounts in good credit standing and have received a notification via Email, SMS, Viber, or Push Notification on the Home Credit App regarding this promotion.
Mechanics
1. Promo period is from October 1, 2025 to November 30, 2025.
2. Qualified Home Credit Cardholders can participate in the promo by making any transaction—such as Buy Load, Pay QR, or Pay Bills—via the Home Credit App, POS, or through online payment using their Home Credit Card. The FREE 500 INSTANT CASHBACK will be awarded as loyalty points.
3. Eligible clients will receive 500 loyalty points (equivalent to ₱500 CASHBACK) by October 1, 2025, at 12:00 AM. The 500 loyalty points will remain valid until November 30, 2025, at 11:59 PM.
4. All unused loyalty points will be retracted by Home Credit Philippines on December 1, 2025.
5. Home Credit employees and their relatives up to the 2nd degree of consanguinity or affinity are disqualified to join the promotion.
6. Cash rebates are non-transferable, not convertible to cash, and cannot be exchanged for other products or services.
7. Home Credit Cardholders whose accounts become delinquent, are terminated, or closed within the promo duration are disqualified from the promo.
8. HCPH reserves the right to cancel transactions of accounts that are proven to be invalid or fraudulent (i.e. abuse of system).
9. HCPH reserves the right to vary these terms & conditions with prior approval of DTI.
10. Failure to comply with any of the requirements or the terms and conditions herein, will have the winners forfeit their winnings with prior approval from the DTI-FTEB.
11. In case of disputes regarding customer's eligibility for the promo, coverage of dates, fulfillment, HCPH’s decision shall prevail, in concurrence with DTI.
1. Customer’s account must be active to be eligible for the promo.
2. Home Credit Cardholders whose accounts become delinquent or terminated within the promo duration are disqualified from the promo.
3. HCPH reserves the right to cancel transactions of accounts that are proven to be invalid or fraudulent (i.e. abuse of system).
4. Any dispute concerning the product/s and/or service/s related to the promo offer shall be settled directly between the Customer and Home Credit with the concurrence of DTI.
5. Terms and conditions governing the issuance and use of Home Credit Card and reminders and other provisions contained in the statement of account, charge slips, and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable to this Promo.
Registration Details
Per DTI Fair Trade Permit No. FTEB-238002 Series of 2025
Frequently Asked Questions
Home Credit Card and HCQWARTA Christmas Promo is a promo where eligible clients receive FREE 500 loyalty points for them to redeem as ₱500 single-spend cashback on any transaction.
Promo is open to all Home Credit Cardholders with active accounts & good credit standing who have received a notification via Email, SMS, and Push Notification on My Home Credit App.
Promo period is from October 1, 2025 to November 30, 2025.
Customers participating in this promo may still avail of any other on-going promotions of Home Credit or its partner retailers.
A single-spend transaction of ₱500 is required to redeem 500 loyalty points as ₱500 cashback.
Customers who cancel their transactions and disputed transactions within the promo period will be disqualified/will be exempted on the list of eligible customer. Home Credit Cardholders and HCQWARTA clients whose accounts become delinquent, are terminated, or closed within the promo duration are disqualified from the promo.
If you are eligible for a credit card, simply visit any of our partner stores and present two (2) valid IDs to our Sales Associate (SA):
1. One (1) Government-issued ID
2. One (1) ID with your addresss
Note: Applications are subject for approval.
You can afford big purchases by using your Home Credit Card.
Low Interest Rate
The new 3% monthly interest rate is lower than previous installment plan offers. This means any interest charged on the unpaid balance is much more affordable.
Payment Flexibility
You have control and flexibility on how much to pay every month as long as it is not lower than the Minimum Amount Due, which is 7% of your unpaid balance or P700 whichever is higher.
When you make a big purchase, you can set a goal on how much you will pay off every month depending on what you can afford. The unpaid balance is charged a low 1% monthly.
