SM Advantage
Price: P150.
Validity: 2 years.
Points/Rebates: P150-250 spent is to 1 point (1 peso worth) depending on what the purchase was (gasoline, groceries, department stores)
Money needed to earn back application fee: P22,500-37,500 in 2 years
Worth it IMO? Only if you gas up in Petron and do groceries in SM Supermarkets. Otherwise, no.
Healthy Options Green Card
Price: Free with a single purchase of P2,000
Validity: No expiry, but card has to be renewed
Points/Rebates: P10 is to 1 point (unsure of how much 1 point is worth though, have to double-check)
Money needed to earn back application fee: N/A
Worth it IMO? Yes.
Health Express Discount Card
Price: P400
Validity: 1 year
Points/Rebates: 20% discount on all items
Money needed to earn back application fee: N/A
Worth it IMO? Yes.
Bench Lifestyle Card
Price: P100-150 (not sure)
Validity: 5 years
Points/Rebates: P10,000 spent equals to 200 points/pesos (P50 gets you P1) for cash purchases. You only get half the points for card purchases. PCX is an exception because you only get ¼ the points.
Money needed to earn back application fee: P5,000-P7,500 in 5 years
Worth it IMO? Yes.
I shop in Rustans quite frequently but since I don't like the points of the Frequent Shoppers Card 2, I didn't get one. Here's the stats:
Price: P350
Validity: 2 years
Points: P1,000 equals to P5 (P200 gets you P1)
Money needed to earn back application fee: P70,000 in two years
Worth it IMO? Come on, there's no way I'm spending P35,000 a year in Rustans! Maybe when I'm earning the big bucks.
So, what do you think are the worth it cards out there? I'd love to hear your thoughts.
