Qi Card (SuperQi)
Iraq's largest card issuer and payment network, with the SuperQi app for transfers, scan-to-pay, bills and mobile top-ups, in Arabic, English and Kurdish.
About Qi Card (SuperQi)
Qi Card, also known as the International Smart Card (ISC), was set up in 2007 as a partnership between Iraqi electronic payment companies and Al-Rafidain Bank, and is described as the largest card issuer and acquirer in Iraq. It first became known for cards paid to government employees, retirees and social-security beneficiaries, and says it has more than 11 million cardholders. Its SuperQi app, launched in 2024 with Ant International and powered by Alipay+ technology, combines digital banking with everyday payment services.
Key Features
- Cards and Accounts: Qi cards and bank accounts managed from the app, including Mastercard and Visa products.
- Scan to Pay: Pay at merchants by scanning a QR code, at a network of more than 20,000 point-of-sale merchants.
- Transfers and Bills: Send money, pay bills and top up mobile phones from one place.
- Cash-Out Agents: A network of around 10,000 agents for cash withdrawals.
How to Get Started
- Install SuperQi from the App Store or Google Play.
- Register with your phone number and verify your identity as the app asks.
- Link or apply for a Qi card or account, if you are eligible.
- Use scan-to-pay, transfers and bill payments from the app.
Opening an account normally requires an Iraqi identity document and an Iraqi phone number, so SuperQi is built for residents, not for short visits. Card products, limits and loans are set by the issuing banks, and the figures above are the company's own claims. Install the app only from the official stores and never share your PIN or one-time codes.
❓ Frequently Asked Questions
Does Qi Card (SuperQi) work with a foreign bank card in Iraq? Not reliably — a foreign card may be declined. Check the notice above, or plan to use a local payment method.
Is Qi Card (SuperQi) available in English? Yes, Qi Card (SuperQi) has an English-language interface.
Do I need a local phone number to use Qi Card (SuperQi)? Yes, Qi Card (SuperQi) requires a local phone number to register.
Do I need local ID or residency for Qi Card (SuperQi)? Yes, Qi Card (SuperQi) requires local ID or residency status.