Card loyalty/reward points

[Dolby]

It's getting difficult to decide which products to purchase on which card. I have a Go Banking card, FNB credit, Discovery credit, ABSA credit and possibly a Vodacom credit soon.

But here's the thing : each has their own promotions :

Go Banking : specials for quite a number of items bought at Pick 'n Pay, including non consumables such as fridges, stoves etc

Discovery Credit : Nando's, Pick 'n Pay, Look&Listen, Reggies, Exclusive Books etc and 5-20%

FNB Credit : 10% ebucks on all spend, plus certain partner stores such as Makro, Look&Listen, AVIS, Loads Of Living give additional etc

For example, my Xbox was bought for R4000 and I got R40 worth of ebucks, but had I used Discovery I'd have got R400 cash back. ARRRGH

ABSA Credit : 10-20% off at certain jewellery stores, vineyards, restaurants, hotels, higher end furniture shops etc Also partners and specials abroad.

Vodacom Credit : 10% Yebo bucks at Dions/Game and 2% at other retailers. Also, 20% cash back at Galaxy & Co, and 10% back at Dial a bed, Furniture City etc

I now have to plan what I'm spending where and how much each will benefit me *sigh*

 

[Waaib]

The only sharing I've seen is between discovery and voyager. Where you can swap discovery miles for voyager miles.

 

[BiteMe]

sounds like you are exposing yourself to a lot of credit.

 

[xrapidx]

I have a Go Banking card, FNB credit, Discovery credit, ABSA credit and possibly a Vodacom credit soon.

Thats way to much credit, its gonna bite you in the ass one day when you really need credit (car, house, etc.) with the new NCA.

ABSA Credit : 10-20% off at certain jewellery stores, vineyards, restaurants, hotels, higher end furniture shops etc Also partners and specials abroad.

Where'd you see that w.r.t. ABSA? I've just applied for an ABSA Private Credit Card to replace my FNB Credit Card and I only saw some loyalty rewards thing.

 

[Dolby]

ABSA http://platinumcard.visacemea.com/eng/plt/privileges.asp (VISA platinum, not ABSA per se)

Yip ... clearing all my credit in a few months and will have zero balances

 

[xrapidx]

ABSA http://platinumcard.visacemea.com/eng/plt/privileges.asp (VISA platinum, not ABSA per se)

Yip ... clearing all my credit in a few months and will have zero balances

Hmmm... don't see mine on there... I'll ask my bank dude...

 

[Dolby]

The other cards seem to offer day to day, while the Platinum offers more on one off purchases. I don't se me using the benefits for a long time yet

Spend R50,000 or over (excluding VAT) at Uwe Koetter Jewellers and choose from a pair of 14kt yellow or white gold Tanzanite or Diamond earrings; a signature Uwe Koetter ring or a half day Wellbeing package at the Arabella Sheraton Grand Hotel.

Receive a complimentary Comme Des Garcons 2 perfume on any single purchase of more than R10,000 at Wizards Gallery Hydepark, Johannesburg and Wizards Claremont, Cape Town.

Pringle of Scotland brings Visa Platinum cardholders a splendid offer that makes shopping at its stores even more delightful. Simply spend R5000 at any Pringle store in South Africa and you enjoy a gift voucher worth R500

 

[PeterCH]

The other cards seem to offer day to day, while the Platinum offers more on one off purchases. I don't se me using the benefits for a long time yet

Pretty crappy offers from "PLATINUM" Visa. I'll rather stay with my Gold ABSA rewards card, claimed quite a few home appliances off that thing already.

 

[xrapidx]

Pretty crappy offers from "PLATINUM" Visa. I'll rather stay with my Gold ABSA rewards card, claimed quite a few home appliances off that thing already.

What you get on Gold you get on Platinum

 

[lexor]

Cape Consumers works for me - it's a type of debit card and you get up to 5% cash back at the end of the year.

http://www.capeconsumers.co.za/index.htm

 

[ajax]

Most if not all of these reward schemes charge a fee, higher than standard credit card fees, for their "loyalty" card. If you do the math you would see that you have to spend several thousand a month consistently to get awards that exceed the yearly card fee.

I have an ABSA rewards card and they charge (well last time I checked) about R120 per year over and above the standard yearly card fee. I definitely make a "profit" on this one.

 

[xrapidx]

Hmm... my ABSA card is going to be R50/pm

 

[Dolby]

What you get on Gold you get on Platinum

Nope. That link I pasted is a Visa Platinum card link

 

[xrapidx]

Nope. That link I pasted is a Visa Platinum card link

You mean yup, look at the bottom of the page you posted:

As well as exclusive Visa Platinum Privileges, Visa Platinum cardholders are also eligible for Visa Gold Privileges with their Visa Platinum card.

 

[Dolby]

Um. Yea How do you interpret that statement?

 

[xrapidx]

Um. Yea How do you interpret that statement?

Exactly like I said: What you get on Gold you get on Platinum?

 

[Dolby]

I interpret differently :/

Gold card holders would get Gold priviledges only - while Platinum card holders get Gold and Platinum Privilages. It doesn't even mention Gold holders in that statement.

Anyway - point of the thread was every card has a host of loyalty points with different resellers offering cash backs or points - and its getting increasingly difficult to select which to buy with what, where.

 

[xrapidx]

Gold card holders would get Gold priviledges only - while Platinum card holders get Gold and Platinum Privilages. It doesn't even mention Gold holders in that statement.

LOL...thats what I said though, so we agree ? What you get on Gold you get on Platinum... I didn't say what you get on Platinum you get on Gold

 

[Dolby]

What? *reads* No ... you're confusing me *rereads* The earlier poster had Gold so he wouldn't get anything higher than we he has ie Platinum benefits

Platinum would get Platinum benefits and everything down (Gold, Silver as well) ...
Gold would get Gold and everything down (Silver as well) ...
Silver would get only Silver

Gold won't get Platinum privilages. Are we saying the same thing?

 

[Dolby]

I think we are.

Topic closed