Tap into easy payments with HCQWARTA for
groceries
Use your HCQWARTA in the Home Credit App for everyday needs and extra rewards
Up to
₱50,000
Credit Limit
Enjoy benefits for
₱0
membership fee
Convenience fee
₱0
on Bills & Loads
Experience how
HCQWARTA keeps
everyday payments simple
Enjoy All-in-One Convenience
Pay bills, buy load, and manage your HCQWARTA account in just one app!
Earn As You Spend
Shop, earn points, and redeem cashbacks with ease!
Scan. Pay. Done.
Make quick and secure QR payments, anytime and anywhere!
Experience how HCQWARTA keeps everyday payments simple
Pay Bills & buy load
Earn As You Spend
Scan. Pay. Done.
Pay for your everyday needs with HCQWARTA
Start using your HCQWARTA
Unlock all the benefits and enjoy your spending limit of up to ₱50,000!
Pay bills with no added fees and set payment reminders!
Step 1: Tab the "Pay Bills" icon in your Home Credit App.
Step 2: Choose from the categories and billers.
Step 3: Enter billing details and confirm payment.
Buy load for all networks. No added fees!
Tap the ‘Buy Load’ icon in your Home Credit App.
Select a load category and network provider.
Enter the mobile number and select the desired load offer.
Scan to pay easily via QR Ph!
Select the ‘QR Scanner’ icon in your Home Credit App.
Scan the QR Ph code of the merchant and enter the amount to pay.
Review details then tap ‘Confirm’.
Buy vouchers and redeem at partner stores!
Tap 'Buy Vouchers'
To activate, make sure to:
- have atleast 1 transaction
- complete one billing cycle; and
- pay your due on time.
Choose a voucher, tap 'Purchase Voucher' and confirm payment.
You may now use the eVoucher code at the selected store or merchant app!
Turn your Loyalty Points into cashback!
Go to Home Credit App > 'My Products' and tap your Credit Card account.
Scroll down to 'Loyalty Points' and tap 'Available Points'.
Enter amount to redeem (must be minimum of 50 points, in increment of 10).
Unlock HCQWARTA with your product installments!
Choose a Partner Store near you using our store locator.
Approach our Home Credit Sales Associate at the store to inquire about product installments and HCQWARTA.
Our Sales Associate will process your product installment application and check if you have an HCQWARTA offer.
Table of Fees and Charges
| HCQWARTA | |
| Nominal Interest Rate | 0.13% per day (up to 4% per month) |
| Other Fees and Charges | |
| Overpayment Refund Fee | PHP 50 per request (applicable to finished/closed account only) |
| Fees/Penalties for Late-Payment or Non-Payment | |
| Late Payment Fee |
5% of Outstanding Amount Due |
| Attorney’s fee | PHP 5,000 |
|
Updated as of January 2025 |
|
