Wednesday, March 7, 2012

How to Save Tips: Credit Card and LoyaltyCard

I’m not a financial expert but I would like to share some tips that I’m doing to save some money. Let me start with cards, I’m pretty sure that most of you have loyalty cards and credit cards and these cards are one way to save some money, how?

Loyalty Cards

1. SM Advantage Card/BDO Rewards Card – SM is everywhere and I have to admit I always go here to do my grocery, shopping and paying bills so I applied for SM advantage card to earn points while shopping. 

When I open savings account in BDO, after several months they send me BDO Rewards Card which has more advantage, because I earn points while shopping and saving money. One more thing, I do not need to renew my membership. 1 point is equals to P1; I was able to buy things using my points like cards, Teflon pan, stainless trash bin, baron antenna, and others.

BDO Rewards or SM advantage card is not only for earning points but you can get freebies and discounts. I got discount when we stayed in Taal Vista Hotel.

2. Mercury Drug Suki Card – I had my first “Suki Card” when I learned that I have psoriasis, so for sure I will always buy medicine so I applied for this card. The same with SM advantage and BDO rewards card, 1 point equals to P1. We used our points to buy chips, ice cream cup, or bottled drinks.

3. Plus Card – You can use this card in Abenson, Walter Mart, Avant Abenson and Electroworld. I haven’t tried redeeming points here, good thing that I created this post and this reminds me to use my points before 12/2012.

4. Mabuhay Miles – I’m not a frequent PAL client because I always avail seat sale from lowest cost carrier but I earn miles using my credit card points. We used our points when we went to CDO – Camiguin last 2010.

5. I’m also a member of Greencow and Dakki so just in case I need to buy their products, I can have it at a lower price. 

6. Belle de Jour Lifestyle Card – I haven’t use this card yet but I will post it here once I use it. 

7. Pfizer Sulit Card – I do receive instant discount every time I buy Pfizer medicine but I don't know if this is a one time use. 

8. Wilcon Depot Loyalty Card – You can convert your reward points into peso value for future purchases. 

9. Mandaue Foam Card - where you can get 10% discount for regular items. 

I’m planning to avail “Laking National Card” because my son will goes to school this June, I will search for more information.

Sometimes we avail Pizza Hut Card and Shakey's Pizzanatic Supercard.

Credit Card

Some people dislike credit cards because it may lead them to temptation but for me I love having credit card, I used to have two credit cards but now I only use one card. 

1. I only maintain one card so less temptation and less annual fee. But every year, I call my credit card company to waive my annual fee, which is always granted except last year, they only waive half of it. But still I was happy because I’ve read that some people weren’t able to waive their annual fee, not even half. 

2. As much as possible I use my credit card because, I can earn points. Points that I can use to redeem products like our stand fan. I also use my points to earn miles. · 

3. I can save some centavos, how? If you will notice whenever we buy stuff or pay meals, we don’t get exact change. For example, I ate in one restaurant and my bill is P689.11, I gave them P1000 and I only received P310, I lost the P0.89 centavos. I understand if the cashier gave me P310.75 but she didn’t. I know it is just centavos but if it will happen every time I eat and buy stuff, those centavos can add to my savings. · 

4. Promo - I get free Starbucks beverage, free meals and Caltex gas rebate by just using my card. · 

5. Discount – yes, sometimes I get discounts by using credit card. 2 years ago we bought gas range and the Service Staff informed us that if we will buy it using our card and avail the installment promo, we can get additional 2% discount. · 

6.Earn some peso – I always take advantage installment plan, even I have the money or not because I can earn some peso. How? 3 years ago, I bought my laptop in installment basis, I have the money to pay the laptop in cash which I got from my SSS maternity benefit but I chose the installment plan. I deposited my maternity benefit in my savings account and I only withdraw the amount that I need for the installment every month, in that way, my money is still earning interest.

My personal tips and hope this helps. Free to share your personal tips and if you can suggest other membership cards that are not listed here. Note: Do not use your credit card if you do not have the money to pay your due.


  1. Ako super dami kong membership cards. BDO/SM Rewards Card, Mrcury Drug, Mom Card, Shaeky's Card, Shopwise Card, EQ Card in all fairness okay naman sya. :)

    And you're right, do not use your CC if you do not have the money to pay your due, or if you can only pay the minimum amount kasi sa finance charge lang mapupunta lahat yun..

  2. I also have so many cards! Membership cards here and there. There really are so many advantages with using credit cards. You just have to be sure to pay them on time. With my credit card company, they'd usually waive the annual fee provided that I spend a certain amount within a month.

  3. I only have an SM Advantage Card since that's where we do our groceries most of the time. I'm thinking of getting one from Mercury too.

  4. Oh yes, I super agree with this post! Before, I wondered why my mother would avail of every membership card known to man; now I realize how much of a help they are. I especially love SM's rewards!

  5. Agreed-every points we earn is very helpful and rewarding indeed ;)


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