APPgrade, Spin, & Win

The game is open to Home Credit Card and HCQWARTA clients who have received a notification via SMS, email, Viber in-app notification, and push notification on My Home Credit App.

Mechanics

1. The game can only be accessed using the refreshed/new Home Credit PH Mobile App.​ 

2. Home Credit Cardholders and HCQWARTA clients are encouraged to download the new/refreshed Home Credit PH Mobile App to be eligible for this gaming experience.​  

3. Once a transaction is successfully completed in the new/refreshed Home Credit PH Mobile App, the Spin the Wheel banner will appear on the completed transaction page. Click the “Spin” button to play and win prizes. 

4. Qualified Home Credit Cardholders can participate in the promo when they do ANY of the following transaction type in the new/refreshed Home Credit PH Mobile App using their Home Credit Card with no minimum spend requirement (within promo period): 

• Buy Load transaction (1 chance of playing per month) 

• Pay Bills transaction (1 chance of playing per month) 

• QR transaction (1 chance of playing per month) 

5. Qualified HCQWARTA clients can participate in the promo when they do ANY of the following transaction type in the new/refreshed Home Credit PH Mobile App using their HCQWARTA with no minimum spend requirement (within promo period): 

• Buy Load transaction (1 chance of playing per month) 

• Pay Bills transaction (1 chance of playing per month) 

• QR transaction (1 chance of playing per month) 

6. Home Credit Cardholders and HCQWARTA clients are required to have a successful transaction to play this game.  

7.  All prizes won will automatically reflected on the following dates:

**Winning clients have 30 days to make another transaction in order to be credited with the prizes. 

8. Canceled or disputed transactions are not eligible for the promo.  

9. Home Credit reserves the right to disclose or publish the names and photos/videos of the winners in any mode or manner it deems appropriate. 

10. All prizes are non-transferable, not convertible to cash, and cannot be exchanged for other products or services. 

11. 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.  

12. In the event that the winner fails to claim the prize within the allotted period of redemption (after 60 days from receipt of registered mail, email, SMS or push notification) and with prior approval of DTI, HCPH reserves the right to declare forfeiture of prize.  

13. In case of disputes regarding customer's eligibility for the promo, coverage of dates, fulfillment, HCPH’s decision shall prevail, in concurrence with DTI. 

14. By participating, the participant declares that he/she has read and understood the terms and conditions of the promo/game and agrees to be bound by the same.​ 

1. Customer’s account must be active and in good credit standing for the whole duration of the promo to be eligible for this campaign. 

2. Home Credit Cardholders and HCQWARTA clients 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, suspicious 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 & HCQWARTA 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. 

Download the refreshed Home Credit App, make a transaction, & join the spin the wheel game to win exciting prizes!

The game is open to Home Credit Card and HCQWARTA clients who have received a notification via SMS, email, Viber in-app notification, and push notification on My Home Credit App.

Promo period is from May 9 - July 9, 2025.

Customers participating in this promo may still avail of any other on-going promotions of Home Credit or its partner retailers.

No minimum transaction amount is required. As long as a qualifying transaction is made, customers may join.

Customers who cancel their transactions within the promo period will be disqualified/will be exempted on the list of eligible customer.