All QQT holders will be eligible to apply for QQ credit card – QQ Card. QQ Card comes in both VISA and UNIONPAY for your convenience. The card allows you Spend Now Earn Later (SNEL) to purchase products with the highest rebates in the market. There are various tiers to your rebate rate. Work your way up the tiers to get a 15.75% rebate on products on top of the emission daily earned.