I got an SMS with my qtel bill payment username/password, not the new ones I typed.

I tried that and it was able to login... then you discover:

1 point every QR100 spent.
QR5 Hala credit for 200 points (QR20,000)
QR10 Hala credit for 350 points (QR35,000)

If you spend even more in a full year, you would be able to get 1.5 to 2 points per QR100.

Useless waste of time and energy.