About Us
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Qi Card, also known as the International Smart Card (ISC), was established in 2007 through a strategic partnership between the private sector, represented by Iraqi electronic payment systems, and the public sector, represented by the country’s largest bank, Al-Rafidain Bank. With over 14 years of expertise in financial technology, ISC has grown to become the largest card issuer and acquirer in Iraq.
ISC introduced the Qi Card as the region’s first dynamic card, designed to address the significant challenges faced by government employees, retirees, and beneficiaries of the social security network. Today, Qi Card is at the forefront of innovation, offering a new generation of flexible financial services, providing full banking capabilities through mobile devices, and delivering value-added solutions to both individual and corporate customers.
We collaborate with globally recognized partners to provide secure and innovative payment solutions, including:
• MasterCard
• Visa
• UPI
• Union Pay
These partnerships enable us to offer a wide range of internationally accepted payment services, ensuring convenience, security, and reliability.
Mission
To provide secure, innovative, and accessible financial solutions that empower individuals, businesses, and institutions in Iraq to conduct seamless digital transactions, enhancing convenience and financial inclusion for all.
Vision
To be Iraq’s leading digital payment ecosystem, pioneering advanced financial technologies and smart solutions that redefine the way people manage, spend, and transfer money, locally and globally.
Core Values
• Innovation: Continuously developing cutting-edge financial technologies to meet evolving customer needs.
• Security: Ensuring the highest standards of safety and trust in every transaction.
• Customer Focus: Delivering exceptional experiences and tailored solutions to individuals and businesses.
• Integrity: Upholding transparency, fairness, and accountability in all operations.
• Excellence: Striving for the highest quality in products, services, and support.
• Accessibility: Making digital financial services available to all segments of society, bridging gaps in financial inclusion.