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| Phot source: bdo.com.ph |
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 flyer 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.
I’m planning to avail “Laking National Card” because my son will goes to school this June, I will search for more info. Sometimes we avail Pizza Hut card.
7.
Pfizer Sulit Card – I do receive
instant discount every time I buy Pfizer medicine. Click here to read more.
8.
Wilcon Depot Loyalty Card – You can
convert your reward points into peso value for future purchases.
Credit Cards
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.
· 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.
· Promo, I get free Starbucks beverage, free meals and Caltex gas rebate by just using my card.
· 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.
· 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.
loyalty card can give you discounts, gamit na gamit kona yan
ReplyDeletei agree. malaking bagay ang nagagawa ng pagtitipid.
ReplyDeletefirst time to visit your blog. nice posts.
see you at http://hahpiness.blogspot.com
Hey!! Grabe, 3 na ang blog :)
ReplyDeleteMy friend used to work at Jollibee and he told me that yung mga kulang na .25 cents na yan nag aaccumulate up to 3 thousand per day (max). biruin mo yun.
hehe! stop na ko sa 3 blogs. =) tingnan mo nga yan, talagang may value ang mga P0.25 natin. kaya ko kahit P0.05 or P0.10 na lang tinatabi ko. =)
DeleteHi Mich! we used to have 4 credit cards then down to 3 now. I told my husband to just have one card kais you rae right masyado tempting pag marami. we also have the SM advantage card, Plus card and Mercury Suki cards. Ilan ulit na kami nagredeem ng points there kaya sulit naman.
ReplyDeletesulit talaga yung membership card kung talagang dun ka rin namimili. =)
Deletewe don't have a credit card.. i also have some of the cards that you mentioned.
ReplyDeleteHi Mich! I agree, credit cards, in some ways can help us save money. I especially like it when shops offer 0% interest with installment options on goods. But at the same time, knowing your financial capacity and discipline in paying the credit card bills is REALLY necessary. I leave it up to my husband to hold our credit card because...sometimes...well only sometimes...temptation creeps up on me :)
ReplyDeletehehe! it's so easy to swipe the card kasi so it is really tempting. =)
DeleteI have had SM advantage card since my college years but I didn't use it often. Its only recently that I learned the value of these loyalty cards. I learned how to budget my money for bulk grocery purchases too instead of dashing now and then to the sari-sari store for tingi tingi purchases.
ReplyDeletePlus I love the freebies when you eat at partner restaurants :3
Credit cards are still scary for me. I'm a bit impulsive ^-^; so I just use my debit account. I can use only what I have.
i always buy in bulk or pack too to save some pesos. =)
DeleteI don't have any of these cards yet but thank you for this post! Now I'm encouraged to have one and start saving big time.
ReplyDeleteI think Shakey's also have their own loyalty card wherein you get your second pizza for free... yey!
thanks for sharing shakey's loyalty card, will check on that.
DeleteI miss Ever Gotesco's card that's the only card I was able to use. They were generous with points before, now I don't have news anymore.
ReplyDeleteAt SM I decided not to renew our Advantage after it expired on me. haha But now their offers are really tempting so I might reconsider. Plus you also get free Lifeline when you have advantage so that you can call for ambulance for free when you have emergency.
i have no idea that ever has a loyalty card. =)
Deletevery useful
ReplyDeleteI also have discount cards and they really help stretch the budget because we can use earned points. Here are the ones I have:
ReplyDelete*Mercury Drug Suki Card
*Laking National Card
*Fresh Card (Rustan's / Shopwise)
Sometimes we avail of a discount from either Pizza Hut or Shakey's
i still don't have laking national card, i will get that for sure because i have a school boy now. =)
DeleteI only have Mercury Drug suki card.. since an SM near our place is about to open I think I'll apply for SM Advantage card... :)
ReplyDeleteMe too I only use one credit card now. I used to have several but I actually used just two at a time. It's hard to handle finances when you have to juggle all those cards hehehe. And I am not always an impulsive buyer so no worries even if I have my card with me while in the mall. Also a user of SM advantage card. :-)
ReplyDeleteI personally do not have many of such cards around. I still believe it's best paying cash.
ReplyDeleteI only keep and use Royal Duty Free card and SM Advantage card.
ReplyDeleteThese cards have their own means to lure their clientele by coming up with promos attached to the said cards you've mentioned.
ReplyDeleteHowever, we have compared the many groceries available in the metropolis and SM groceries have very high prices compared to the others. I did not mean to oppose you here, just sharing my thoughts :)
i also notice that but i have no choice because we have limited groceries here in the province. =)
Deletei am only a supplementary card. so far so good, di naman kasi ako more on cc. it is also good kasi sometimes, it is use to pay online or pag wala talagang extra cash. we just have to be disciplined on the usage.
ReplyDeletei agree, discipline is all we need.
Deletewow you are also a member of BDJ lifestyle card. are you going to their event this weekend? if yes, hope to meet you there :)
ReplyDeletehttp://khyutee.wordpress.com
i won't attend because it's too far from my place. =(
Deleteaww sayang =(
DeleteKung ok ka sa pag-manage ng finances, ok talaga ang credit card. Yung points super sulit and the rewards. Halimbawa, yung mga bibilhin ko sa grocery, gagamitan ko ng card, pero pagdating na pagdating ko sa bahay, I will wire payment from may bank account to the card.
ReplyDeleteKumabaga, I only use my card kapag may cash din talaga ako for it. Good entry Michi.
Oh, and yung tanong mo about code with pinterest, I don't remember where I got it na e. Nag-google lang ako ng "social icons pinterest"
thanks sis, google ko, yung code na nakuha ko kasi fb, twitter and g+ lang.
Deletehmmm. very interesting take on credit cards. i am quite adamant in trying to use them because i am afraid i do not have the self-control to manage it. i might reconsider, thanks to your post. :D
ReplyDeletethis is really an informative post, thanks for sharing
ReplyDeleteSis, really agree with SM Advantage card. You can earn points in several ways plus you can convert it to GC or buy brownies at SM!
ReplyDeleteNakakatulong yung Suki Card ng Mercury. Pag malaki points ko, naibabawas sa bibilhin ko na mahal na gamot.
ReplyDeleteThank you for sharing this. My mom I think I have card for Mercury.
ReplyDeleteI have Delta skymiles and how I wish my mileage is 120,000 so I can have a free round-trip tiicket but unfortunately I only have 96,0000 :-( but I do like to collect miles and points
ReplyDeleteNice tips here. I am also fond of cards but I don't have that many cards with me.
ReplyDeleteNice saving up tips, ha. I used to underestimate the power of the SM Advantage card. Well, time to use up those coupons now. :)
ReplyDeleteThanks for sharing this. I only have the SM Prestige card, and I use the points that I earned from it in buying things for my kids.
ReplyDeleteCredit Cards are really tempting especially when you visit a mall when it is sale. The hard part of the credit cards is when paying. But if you can control and manage your expenses credit cards are not bad, what is bad is your attitude towards spending.
ReplyDeleteDiscount cards are sure of help also in cutting off with the expenses. We have the Suki card, discount cards in officewarehouse, expression and national bookstore. Classes will start soon so discount cards are of great help.
true, cc is not really bad.
DeleteThose rewards cards are really helpful. I cancelled all my credit cards because no matter how I control my spending, it just so very easy to swipe.
ReplyDeleteI have 3 credit cards right now but planning to close the other two. Tama ka, mahirap yung madaming temptations.hehehe.
ReplyDeleteOne is to concentrate the points into just one account. Mahirap kapag madami kang cards na gamit kasi nahahati ung mga points na supposed to be dapat sa isa na lang, mas mabilis pang umakyat ang points mo.
I also have the Plus card, I already redeemed some points there. I even managed to buy 5-kilo rice during emergency and I had no money in my pocket. naiwan ko.
I also have suki card (mercury), i redeemed some snacks there using my points.
SM Advantage, madami na akong naredeem dito,snacks, t-shirts, toys for my son, pati ung renewal ng card minsan galing dito.
good for you! sarap din magredeem ng points. =)
DeleteI never thought of credit cards as temptation. Siguro depende din yun sa pag manage sa finances mo. When I was single, I had 3 credit cards and i made it a point to pay the bill on time or else, i'm making the credit card company rich. :P di ako pala kape pero na enjoy ko ang free starbucks ng HSBC :D
ReplyDeletesis, love ko talaga ang free starbucks kahit di ako mahilig sa kape din.
DeleteI wanna avail the pizza hut card. I have plenty of cards myself.. haha.. Cool post! I might post one like this too! :) thanks for the idea :D
ReplyDeleteGot my own Mercury Drug Suki Card last week after I spent Php.1,500.00 for skin allergy ointment.
ReplyDeletePasok sa banga ang post na 'to! My parents have a Mercury Drug Suki Card. My mom and I both have SM Advantage cards at ang dami ko nang nabili just with the points I've earned. I have one that's also linked to my BDO savings account but I lost the card and not sure if the one SM Advantage sent me is the one that is linked. Credit Card is something I'm avoiding now. I used to manage it really well, but not right now. Ugh!
ReplyDeletenatawa naman ko sa pasok sa banga. hehe! sis yung SMAC alam ko may expiration yung BDO rewards wala yata. AFAIK
DeleteWe have a lot of membership cards, very useful when redeeming the points. I'm scared to use credit cards, but we do have one just in case. This is a good read!
ReplyDeleteThanks for this post, i'm not paying much attention to my credit card -_-
ReplyDeleteThanks for sharing, as of now, I only Mercury Drug Suki Card and Rose Pharmacy, but I prefer using my Mercury Drug Suki card
ReplyDeletehahaha...dami mong cards, i only have SM advantage card, as of now freebies and discounts pa lang na-avail ko, like you i do my grocery-shopping at SM, malaking bagay din talaga ang may card...ako kasi may toka sa groceries sa bahay
ReplyDeleteVery informative post. I have a Belle de Jour card, actually the journal, where I have used the coupons in it for discounts to shops and spas.
ReplyDeleteThank you for sharing. I know people will fins this useful. For us, we prefer to stay away from any credit card.
ReplyDeleteThanks for sharing. I might as well avail those cards later when I need them.
ReplyDeleteUseful info, i have BDO reward card and credit card. I am planning to get mercury suki card, i think the card is free. Anyway, credit card is really useful in my part but use it with limitations.
ReplyDeleteWhich reminds me I have yet to claim the Laking National Card. My kids are buying school things next week so well be using it. I plan to apply SM advantage card. You've enlightened me that these cards can be an advantage even credit cards. Sounds like you're a wise spender huh! :) thanks!
ReplyDeleteGood tips on making cards earn extra points and use them in purchasing some items.
ReplyDeleteThis is informative and useful. Thanks
ReplyDeleteWould you mind visiting my blog too? I love your tips. Blessings
ReplyDeleteI use discount cards and loyalty cards as well. Shopwise gives you a 100-peso rebate for every 10K worth of accumulated purchases, Citibank Cash Back Card also gives 5% rebates on groceries, and rebates also for other purchases so we do save hundreds every month using it for our purchases. We do make sure though that we pay the entire amount due each month. If not, we'd end up with more expenses than savings.
ReplyDeleteI do have SM card and Laking National Card. But I was not able to use the points I earned from these cards.
ReplyDeleteI use coupon or discount cards to save. Before I go to my fave craft shop I always check their site if there's a printable coupons. It's a big help.
I avoid credit cards like plague. hahaha. Nice to know you are maximizing the benefits of your cards.
ReplyDeleteI tend to collect this cards as well, but always forgot to renew them :)
ReplyDeleteI have and use one credit card.
ReplyDeletehonestly, i am trying to save. I wish i can do so
ReplyDeleteNice tips. Very useful.
ReplyDeleteGood tips. I agree that it's quite useful to have those cards e.g. SM Advantage Card, Mercury Drug Suki Card. Credit cards are, on the other hand, just tempting to use again and again so I'd rather not have one... again.
ReplyDeleteso many loyalty cards out there, kapal na tuloy ng wallet ko...
ReplyDeleteLoyalty cards are a lot of help. I bought a few items with points earned.
ReplyDeleteAwesome card tips you have here. Didn't even knew the other cards existed.
ReplyDeleteloyalty card is really the best. you get to earn points and use it to buy other items. :) though sm advantage lang an meron ako, dun lang naman ako madalas bumibili. :)
ReplyDeletevery informative... I used to have a Laking national card and SM Advantage card but wasn't able to renew it this year- About credit card, I am somehow enlightened with your warning at the end of your post. tama nga naman hahahaha...
ReplyDeleteSo many card! I have a Global Pinoy card and no credit card. I used to have but after paying off 15K in debts, I realized I don't need a CC. But now that I am travelling more, I might just apply for one.
ReplyDeletehi i have emeral reward card. i cannot activate the card because i do not know the 4 digit pin. is there any way how can i find the 4digit pin
ReplyDeleteHi, To Activate Initial Card:
DeleteType BDOREGcard numberPIN and send to 2966
Note: The default PIN is the member's month and year of birth indicated in our records. For example, if the member was born on January 1970, the default PIN is “0170”.
Source: https://www.bdo.com.ph/support-topics/membership/what-do-members-have-do-when-they-receive-their-welcome-kit