April 1 - September 30, 2025 April 1 - September 30, 2025

Spend with HCQWARTA and Get Up to ₱500 Rebate

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Step 1

Have been approved for HCQWARTA

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Step 2

Spend a minimum of PHP 500

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Step 3

Get the chance to win PHP 500 cash credits!

Promo Mechanics and Conditions

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:

Draw Dates​  Posting Date of Winners Number of winners
April 07, 2025  April 11, 2025 
April 14, 2025  April 22, 2025  7
April 22, 2025  April 25, 2025  7
April 28, 2025  May 02, 2025 
May 05, 2025  May 09, 2025 
May 12, 2025  May 16, 2025 
May 19, 2025  May 23, 2025 
May 26, 2025  May 30, 2025 
June 02, 2025  June 06, 2025 7
June 09, 2025  June 13, 2025  7
June 16, 2025  June 20, 2025  7
June 23, 2025  June 27, 2025  7
June 30, 2025  July 04, 2025  7
July 07, 2025  July 11, 2025  7
July 14, 2025  July 18, 2025  7
July 21, 2025  July 25, 2025  7
July 28, 2025  August 01, 2025  7
August 04, 2025  August 08, 2025  7
August 11, 2025  August 15, 2025  7
August 18, 2025  August 22, 2025  7
August 26, 2025  August 29, 2025  7
September 01, 2025  September 05, 2025 7
September 08, 2025  September 12, 2025  7
September 15, 2025  September 19, 2025  7
September 22, 2025  September 26, 2025  7
September 29, 2025  October 03, 2025  7
October 06, 2025  October 10, 2025  2

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.  

Registration Details

Per DTI FairTrade Permit No. FTEB-219527 Series of 2025

Frequently Asked Questions

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.

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