Loyalty cards are a smart way to maximize your spending earning extra points or discounts. Whether you’re a shopaholic or just a regular Joe (or Jane) getting your necessities, if you’re spending money why not let these cards help stretch your spending an extra inch, or mile, or more? With the many Loyalty Cards available to Malaysians, we are here to help you figure out which ones are best suited to your shopping needs. Here we compare the most popular multi-purpose loyalty cards in Malaysia.

BonusLink

One of the most well-known loyalty cards in Malaysia, BonusLink has been around since 1998. Collect points when you spend at various outlets, and you can even get supplementary cards issued for your family members so that all that spending generates points that can be pooled together.  

Earn as You Shop

• Earn points from these outlets and more: Caltex, Starbucks, Zalora, Lazada, Borders, U-Mobile, Berjaya Group Outlets
• For the complete list of applicable outlets, click here.  

Loyalty Card Benefits

• Points (called BonusLink Points) are earned on average at RM2 = 1 point (depending on merchant)
• Redemption value estimate: 0.5% (1,000 points = RM10)
• Points expiry: 36 months from when earned
• Redemption items: Click here to view online catalog
• Other benefits: Discounts at selected outlets (e.g. O’Briens Sandwich, Taiwan Recipe, Sakae Sushi, MBO) 

Card Application

• Fees: Free for life
• Qualifying age: 18 years and above
• Supplementary card: Up to three (must have same address as primary cardholder)

B Infinite

Formerly known as BCard, the B Infinite card from Berjaya comes in two convenient forms – an actual physical card, and a virtual card – that both allow you to collect points and redeem rewards easily from over 80 brands. That’s more than 4000 outlets nationwide! Moving with the times, you can even access your account through the B Infinite App, available on both Android and iOS. 

Earn as You Shop

• Earn points from these outlets and more: Shell, Parkson, Fireflyz, AmBank, Public Bank, Focus Point, Opulence Eyewear, Caring Pharmacy, ESH Electrical
• For the complete list of applicable outlets, click here. 

Loyalty Card Benefits

• Points (called BPoints): RM1 = 1 point
• Redemption value estimate: 1% (5,000 points = RM50 voucher)
• Points expiry: 36 months from when earned
• Redemption items: Gift cards, cash conversion, U-Mobile prepaid top up 

Card Application

• Fees: Free for life
• Qualifying age: 18 years and above

AEON Member

AEON member benefits are applicable at all AEON stores, Wellness pharmacies & Pasar Raya MaxValu (do note that a different loyalty card applies for AEON BIG stores). The AEON loyalty card also gives you benefits at many other non AEON outlets including F&B outlets, clothing outlets and services.

Earn as You Shop

• Earn points from these outlets and more: AEON, Pasar Raya MaxValu
• For the complete list of applicable outlets, click here.

Loyalty Card Benefits

• Points (AEON Points): RM1 = 1 point
• Redemption value estimate: 0.67% (1,500 points = RM10 voucher)
• Redemption items: Cash vouchers, membership renewal, Starbucks preloaded cash cards
• Additional benefits include Members Day Sales, Members Discounted Items, Signup Bonus and Referral Bonus
• For complete list of discounts and other privileges, click here. 

Card Application

• Fees: RM12 annually (or RM24 for 3 years – effective RM8 annually)
• Card Replacement: RM5
• Points expiry: 36 months from when earned
• Qualifying age: 18 years and above
• Supplementary card expires at the same date as the primary card (regardless of application date)

Watsons VIP Card

Watson introduced their VIP card in 2010 September to reward loyal Watson customers. in 2013 December, Watsons and Touch ‘n Go ‘2-in-1’ membership card that comes with Touch ‘n Go features card was launched combining the convenience of Touch ‘n Go with your Watsons loyalty program in one card. 

Earn as You Shop

• Earn points from Watsons 

Loyalty Card Benefits

• Points (Watsons Points): RM1 = 1 point
• Redemption value estimate: 0.67% (1,500 points = RM10 voucher)
• Redemption items: In-lieu of cash for products in Watsons stores
• Additional benefits include bonus membership points, 5x points during birthday month and 2x points on Watsons house brand products
• Discounts for dining at selected outlets: San Franciso Coffee, Milkcow, Hui Lau Shan, Plan B, NY Steak Shack, Juicee. For the complete list of applicable outlets, click here. 

Card Application

• Fees: RM18 lifetime, no renewal fees
• Points expiry: every two 31 Decembers from the transaction date
• Qualifying age: 18 years and above
• Touch ‘n Go must be used at least once annually else feature will be deactivated

Genting Rewards

Most of us associate Genting with either the casino or theme park. However, Genting Rewards loyalty card offers many other benefits and not only at Genting. There are multiple tiers for the loyalty card membership including Blue Classic, Silver, Gold and Platinum. 

Earn as You Shop

• Earn points from these outlets and more: Genting Hotel & Outlets, Star Cruises, Starbucks, CBTL, Baskin Robbins, Dragon-i, Canton-i, Bonia, Carlo Rino, Hush Puppies, Obermain, G2000, Universal Traveller, Pierre Cardin, Tangs, Puma, Diamond & Gold, Thomas Sabo, BHP Petrol 

Loyalty Card Benefits

• Points (Rewards Points): RM1 = 1-10 points (depending on merchant)
• Redemption value estimate: 1.00% (100 points = RM1)
• Redemption items: Click here to view online catalog
• Discounts and benefits at selected outlets 

Card Application

• Fees: Free application
• Renewal fees: varies according to card issuers and can be paid via cash or membership points
• Points expiry: every 36 months
• Qualifying age: 18 years and above
• Supplementary Card: applicable for spouse

In Loyal Conclusion

If anything, our experience with the many loyalty cards available in Malaysia has taught us that options are ripe for your picking! These are our top 5 picks for multi-purpose loyalty cards. However, if you are a frequent loyal customer of certain merchants, you may want to consider more specific membership cards too. While you risk having an overly fat purse or wallet, choosing loyalty cards at merchants you frequent will bring you worthwhile benefits. There are definitely more benefits to use loyalty cards than not, so do try them out and tell us your story!

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The post Comparing Loyalty Cards to Get the Most Rewards appeared first on Financial News and Advice in Malaysia.