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Getting More Reward Points

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The credit industry in the Philippines is at an all time high. Issuing banks are competing for your attention, and to get noticed, they have come up with different “rewards” schemes that give you everything from free movie tickets to free flights. As a consumer, you can take advantage of this and get more rewards points. Here are some tips:

  1. Choose the rewards card that is most useful to you. If you don’t travel frequently, for example, you have no use for a card that gives you airline miles. Be realistic and examine what kind of points are more practical for your current lifestyle. If you often do groceries, for instance, you may get more out of credit cards that give you extra points when you shop in certain supermarkets like SM or Rustan’s. If you are a bookworm, you may benefit more from a credit card that doubles your points whenever you shop in Fully Booked. If you eat out a lot, get a credit card that gives you free desserts or coffee in your favourite restaurants.
  2. Pay with your card, even if you have cash. If you are disciplined enough to handle your money, then go ahead and charge as much as you can on your card to get more reward points, BUT be sure to pay off the balance in full at the end of the month.

Do you have a friend who wants to make a substantial purchase with cash? Offer to pay for his/her purchase with your card, and he/she can just give you the money. This way, you get rewards for his purchase. Just be sure that you pay off the balance with the cash he gives you, or you’ll incur large interest charges.

3.   Carefully read the rewards system information the issuing bank gives you. You might be surprised at how many points you can earn just by knowing which merchants / shops are affiliated with your credit card company. For instance, you can get more points by simply getting your gas from Petron instead of Shell. You may even get more points if you pay before the due date.



Featured Credit Cards:

MetroBank M Free MasterCard


FEATURES:

  • NO ANNUAL FEE FOR LIFE!
  • Avail of finance charge rate of just 3.50%
  • Transfer your balance to your new Metrobank M Free MasterCard with just 0.79%
  • Get cash whenever you need it with Php300 or 3%, whichever is higher!

My Dream JCB


FEATURES:

  • LOWEST annual fee of just Php800, compare and find out
  • Interest rate of only 2.75% per month
  • Cash advance of up to 2.5% of their account or Php500 whichever is higher.

Citibank Shell VISA


FEATURES:

  • Get the HIGHEST fuel rebate in the market with Citi Shell Visa
  • Enjoy 24/7 emergency service for Gold Card holders in making any alternate plans in any cases of emergency.
  • gency cash once in need..
  • Pay an annual fee of only Php3000 for the primary card.

BDO PLATINUM MASTERCARD


FEATURES:

  • Relish on a FREE annual membership for the first year!
  • Request for up to 6 supplementary cards for your loved ones and each card will get a FREE annual membership FOR LIFE!
  • Have the power of 2 currencies in just one card with the BDO MasterCard Platinum’s Dual Currency Feature!
  • Access your account anywhere you are and spend on your own terms! Have the assurance of a high credit limit that is available in both Philippine peso and US Dollar in just one card!
  • Avail up to 50% cash advance of your credit limit during any emergencies
  • Choose how to pay for your outstanding balance in the Minimum Payment Options!
  • Go and do anything you want with the BDO MasterCard Platinum and enjoy international recognition and acceptance in over 20 million locations wherever MasterCard is accepted!
  • Get very exclusive discounts on dining, shopping and travel with partner merchants!
  • Travel abroad with your love ones and be worry free with the Travel Accident and Inconvenience Insurance coverage of up to Php20000000!

Featured Articles:

Featured Article 3

Ever thought of getting a credit card but don’t know where to start? For majority of cardholders we know, credit cards are terrific tools that certainly have very great advantages.

We at comprecreditcards.com.ph have surveyed many customers and here is what came out…

Its very handy payment. That’s the big thing, right? You don’t have to worry about being robbed or something because you don’t have that big cash with you. Even if you’re just making small purchases, it’s a big help. Plus, the fact that we are in the on-line shopping age, it’s a total must have.

On the spot loans. When you’re short of cash, a credit card will be there to save you from the embarrassment of not being able to pay as it will help you make up for your purchase. To avoid any fees, just pay your balance in full.

You have no idea as to where you’re spending your money? People have the tendency to say they don’t know where half of their money went. With a credit card, you can easily track your purchases on your monthly payments. So if you think your wife spent too much for the month, check on your bill, who knows, it might even be you…

It’s easier to pay off. It’s easy to pay credit card bills. All you have to do is find an ATM with your checking or an easy account transfer. Good news is you don’t have to wait a month to pay it off. And guess what, some even lets cardholders pay their bills ONLINE. So say goodbye long lines; Hello to convenience!


You get rewards.

Every time you make transactions you earn point or “rewards” that you can exchange for either gift checks, vouchers, exclusive items or maybe the cash back system. We’re not saying that you use your credit card non-stop to avail of these, but as a matter of fact, it is a nice bonus.

Very exclusive deals. How would you spell exclusive? Its “c-r-e-d-i-t-c-a-r-d”. Why? Because you get a lot of high class services that are only available for those people who hold the cards. Sometimes its discounts on products, dining and traveling first class. Remember the times when you really wanted to buy something and you were able to buy it because of the discount my credit card was able to give me.

We can go on and on with these, but nothing is really important than learning it by experience. Everything has its ups and downs. It’s up to you, as the card holder, to become responsible in how you manage your money. Look into the bigger picture of how credit cards make life easier and who knows you might just even love it. Just be responsible and a word of advice, pay your dues on time, all the time…