If there’s one smart living tip I know and apply in my life, it’s using loyalty cards whenever possible. Right now, I have five in my wallet: SM Advantage Card (SMAC), Happy Plus Card, Shakey’s Pizzanatic Supercard, Starbucks Card, and Citibank Cebu Pacific card. I buy and use the products and services of these companies from time to time so I might as well benefit from them. It’s better than nothing.
With SMAC, I normally get 1 point (which is equal to 1 peso) for every P200 spent at SM stores and other partner establishments. I get less than 1 point for every P200 spent at SM supermarkets and I don’t know why. These points accumulate over time. I even get bonus points from PLDT!
Two years ago, while I was lining up at an SM Bills Payment counter to pay for my PLDT bill, there’s this girl (apparently a PLDT merchandiser) who walked up to me and asked if I wanted to sign up to their ongoing promo. She said I could get SMAC points when paying my PLDT bill through SM Bills Payment centers nationwide. I just gave her my name and my PLDT account no. and that’s it. From then on, I’ve been receiving 6 to 10 SMAC points (it varies) whenever I’d pay my PLDT bill through SM Bills Payment centers. Cool, ayt?
SM Advantage Card
Reward System: 1 point for every P200 spent
Acquisition Fee: P100 (but I got mine for FREE, a perk from my old and now non-existent BDO credit card)
Validity Period: 1 year (mine is 4 years, same expiration date with the BDO credit card)
Renewal Fee: P100
Happy Plus Card, on the other hand, gives 1 point (which is equal to 1 peso) for every P50 spent at all fast food restaurants under the Jollibee Food Corporation (JFC) group. I think this is the most sulit one!
Happy Plus Card
Reward System: 1 point for every P50 spent
Acquisition Fee: P100
Validity Period: 3 years
Renewal Fee: P100
The Shakey’s Pizzanatic Supercard actually belongs to the hubby. When buying pizza, it allows us to avail of their buy 1, take 1 pizza promo. When dining at their stores, we get 10% discount on our bill and earn 1 point for every P100 food purchase. (Trivia: We have already celebrated many birthdays of family members at Shakeys.) If it’s the hubby’s birthday and we dine at Shakey’s on the day itself, he even gets a free regular-sized, thin-crust Pepperoni pizza. We experienced this once and it was fun.
Shakey’s Pizzanatic Supercard
Reward System: buy 1, take 1 on pizza + 10% discount on dine-in, take-out, and delivery
+ 1 point for every P100 spent + free pizza on the cardholder’s birthday
Acquisition Fee: P300
Validity Period: 1 year
Renewal Fee: P300
The Starbucks card has a slightly different concept. Instead of points, it allows me to earn a star for every beverage bought. A total of 12 stars entitles me to a Grande-sized drink. I also get a free slice of cake on my birthday. I found out that if I won’t be going to Starbucks on the day itself, I can still claim it by visiting their store within my birth month.
Reward System: 1 star for every beverage bought (12 stars needed to earn a Grande-sized drink) + free slice of cake on the cardholder’s birthday
Acquisition Fee: P300 (consumable)
Validity Period: expires only after two years of no transactions
Renewal Fee: NONE
As for my Citibank credit card, it doubles as a loyalty card, too. How? Because each time I use it, I earn Cebu Pacific points to be converted to e-vouchers for buying airline tickets. And since I also swipe my credit card when the hubby and my siblings make big purchases (they just pay me in cash for them), I get to increase my points faster!
Citibank Cebu Pacific Credit Card
Reward System: 1 point for every P1 spent (1 point equals to P0.01 CebPac voucher)
Acquisition Fee: FREE (perk from the card)
Validity Period: so long as the card is active
Renewal Fee: NONE
I like that I can monitor my points from these loyalty cards online (well, except for Citibank whose updated points I get to know only upon receiving my monthly billing statement). I did this by registering them on their websites.
Among my loyalty cards, I use the first two and the last one more frequently. I had more loyalty cards before (I remember having S&R gold card and Rustan’s Fresh card, too) but I didn’t bother renewing them because I rarely used them.
Isn’t it amazing that we get some cashback and discounts from these companies whenever we make a purchase of their products?
What kind of loyalty cards do you have? Do you use them often, too? 🙂