Spend with HCQWARTA and Get Up to ₱500 Rebate

This raffle promo is open to all eligible Home Credit customers who:

• Have been approved for HCQwarta during the promo period.
• Activate the approved HCQwarta account via the Home Credit App and spend a minimum of PHP 500 which falls under “Qualifying Spend” within the promo period inclusive of account approval date. 
• Each qualifying transaction automatically earns one raffle entry.

Mechanics

1.  "Qualifying Spends" refers to transactions made using HCQwarta as the source of fund which falls under the category of:
•    Bill payments 
•    QR payments
•    Barcode

2. Successful Applicants must ensure that the Eligible HCQwarta account is valid and in good standing (not cancelled or blocked) at the point of fulfilment of the Reward and must retain the Eligible HCQwarta account and not cancel it for a period of 12 months from the date of approval (the “Retention Period”). Home Credit reserves the right to retract, seek the return of and/or otherwise cancel the Reward if a Successful Applicant cancels the Eligible HCQwarta account before the expiry of the Retention Period. 

3. Qualified customers will get the chance to win PHP 500 cash credits, which will be credited to the Eligible HCQwarta Account within 7 days from raffle draw date.

4. Schedule of draw dates and posting of winners on official Home Credit Channels are as follows:

5. Clients may win multiple times. 

6. Home Credit and its partner retailers’ employees and its affiliates, including relatives, up to the second degree of consanguinity or affinity are disqualified from this promo. 

7. Customer’s contract must be active and in good credit standing at the time of the raffle draw to be eligible to win.

8. Customers who cancel their application will be disqualified from the draw.

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

10. Home Credit reserves the right to disqualify customers from availing of this promotion if found to have committed acts of fraud or have violated existing policies on credit and subscription.

PROCESS MONITORING & DELIVERY FLOW: 

1. A DTI representative will be invited on March 25, 2025 to verify the system to be used in the raffle draws.

2. Raffle draws will be held in HC Consumer Finance Philippines, Inc. Office, 15th Floor Ore Central 9th Avenue corner 31st Street Fort Bonifacio Taguig City, in the presence of a DTI representative.

3. Winners will be notified by Home Credit via call, SMS, email and registered mail. 

4. Winners will be announced via Home Credit Philippines official Facebook page.

5. Home Credit will contact the winners via their registered lines. 

6. All raffle prizes are non-transferrable.

1. Customer’s account must be active to be eligible for the promo.  

2. Home Credit HCQwarta clients whose accounts become delinquent or terminated within the promo duration are disqualified from the promo.

3. All qualified entries will be drawn via electronic raffle draw witnessed by a (Department of Trade and Industry) DTI Representative during the raffle draw dates.  

4. HCPH reserves the right to cancel transactions of accounts that are proven to be invalid or fraudulent (i.e. abuse of system).  

5. 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.  

6. Terms and conditions governing the issuance and use of Home Cash Loan 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.  

Get a chance to win P500 cash credits when you spend P500 with your HCQWARTA!

This raffle promo is open to all eligible Home Credit customers who:

• Have been approved for HCQwarta during the promo period.
• Activate the approved HCQwarta account via the Home Credit App and spend a minimum of PHP 500 which falls under “Qualifying Spend” within the promo period inclusive of account approval date. 

Promo period is from April 1 - September 30, 2025.

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

A minimum P500 transaction is required to earn one raffle entry.

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