Mas convenient na ang everyday transactions mo with your Qwarta!

Get 5% discount on load sa lahat ng networks!

Example: P100 load = Pay P95 only!

Pay your bills in over 250+ billers nationwide with no added fees!

Example: P1,000 bill = Pay 1,000 only!

Enjoy 5% rebate when you scan-to-pay with Qwarta*

*Get up to P300 per billing cycle

What is Qwarta?

Find out how easy it is to use Qwarta!

Get 5% discount on load at all networks. Mas sulit ang pera mo!

Pay your bills with no additional fee. Contactless na, free of charge pa!

Check balances & transactions realtime

Help Center

Pay Bills and Buy Load

Scan-to-pay at your favorite stores and enjoy 5% off!

Just look for the QRPH Logo at the cashier

Get a loan and enjoy Qwarta instant approval of up to 10,000 spending limit!

You can receive a Home Credit Qwarta when you avail for a gadget, appliance, furniture, or any commodity
loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.

You can receive a Home Credit Qwarta when you avail for a gadget, appliance, furniture, or any commodity loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.

Choose any of our partner stores nationwide

Approach our Sales Associate at the
store and inquire about the commodity loan and Qwarta

Our Sales Associate will process your
commodity loan application and you can also get a Qwarta offer *Applications are subject for approval

Store Locator

Learn More

Find out more information about our credit card details by exploring these documents.

Qwarta Terms and Conditions

Fees and Charges

Frequently Asked Questions

Frequently Asked Questions

What is Qwarta?

Your Qwarta enables you buy load, pay bills, and shop on credit through the My Home Credit App!

How do I compute for my interest fees?

Compute for your interest fees any time in one easy step. Multiply your transaction amount by the daily interest rate (0.13%) and the number of days it was borrowed. Easy!

When should I pay my balance?

You can pay any amount from your transactions at any time. The more and the earlier you pay, the more you save on interest fees. Meanwhile, please pay for at least your minimum amount due every due date which comes 10 days after your billing date time to avoid penalty fees and your Qwarta from being blocked.

What are the fees and charges I should know about?

Interest fees are charged daily starting the day after each transaction is made while penalty fees are charged for every missed due date starting at P200 for the first missed due date and increases by P100 for every consecutively missed due date/s thereafter. Please pay for at least your minimum amount due every due date which comes 10 days after your billing date time to avoid penalty fees and your Qwarta from being blocked.

Where can I use my Qwarta?

You can buy load and pay bills all in the My Home Credit App. You can also use our scan-to-pay feature to shop at any one of our partner merchants.

What will happen if I pay only a partial amount?

If you fail to pay for at least your minimum amount due on or before your due date, the account will incur late penalty fees starting at P200 for the first missed due date and increases by P100 for every consecutively missed due date/s thereafter. Meanwhile, your transactions will incur interest fees daily until they are fully paid.

Can my limit increase?

Absolutely! Maintain a good credit standing with your other Home Credit loan/s to improve your chances of increasing your Qwarta spending limits.

How can I apply for a Home Credit Qwarta?

You can receive a Home Credit Qwarta offer when you avail for a gadget, appliance, furniture or any commodity loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.

Why should I use my Qwarta?

You can buy load and scan-to-pay with 5% rebate and pay bills to over 200+ billers nationwide with no extra charge, all in the My Home Credit App.

My account is not activated yet, when will I be able to use it?

Your Qwarta account will activate in a few months from your contract signing date. To avoid activation delay, just make sure to pay for your commodity loan on or before its due date.

I just made a transaction with a rebate promo. When should I expect my rebate to be reflected on my account?

Thank you for your transaction! Kindly expect your transaction to be reflected within 3 business days.
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