BDO Rewards vs SM Advantage

If you frequently shop in SM, chances are you are probably familiar and seen advertisement for their membership cards.

They have 3 as far as I know but we'll be discussing the two that are most similar. So, what's the difference between the two?

1. Membership
-you pay 100 pesos annually to get the SM Advantage card
-BDO Rewards is essentially free but you have to maintain a 50k deposit in BDO.

2. Earning points.
- SM Advantage - you earn points by buying from the SM Store and its affliated shops.

BDO Rewards- you also earn points from buying in SM but you have more avenues to rack up your points. You can get it if you have deposits or investments in BDO, you receive remittances which you course through BDO and if you have a PLDT landline.

3. Expiration
SM Advantage- renewable yearly for a fee.
BDO Rewards-free as long as you maintain your bank balance.

I personally preffer the BDO Rewards card since I dislike paying annual fees. Hahaha.

Below is a screencap of how I earn points using this card. Earning points is a slow and steady process but in the end its still something. The points never expire so you can just have then accumulate for years.

Credit Card Promo November 2016

BDO 

Promo Period: November 16, 2015-January 31, 2016
Claim until: March 31, 2016



Minimum Spend           Threat

Php 3,000                       100 SM Gift Pass or
                                         100 GC from Bench

Php 15,000                      500 GmSM Gift Pass or
                                          500 GC from Bench


BPI 

Promo Period: October 1, 2015-January 31, 2016
Claim until: April 1, 2016


Minimum Spend           Threat

Php 3,000                      various food item from Jollibee

Php 6,000                      various food item from Jollibee

Php 12,000                    various food item from Jollibee


STANDARD CHARTERED

Promo Period: November 9, 2015-January 31, 2016


Minimum Spend           Threat
Php 3,000                       Mrs. Fields:
                                       Nibblers or One Pops in a Jar

                                        Seattle’s Best Coffee:
                                        Any Small Hot Classic Drink

                                         Kenny Rogers Roasters:
                                         Quesadilla, Burrito
                                         or any large Side Dish

.                                        Toy Kingdom:
                                         Php100 Discount

                                        The SM Store:
                                        Php100 SM Gift Pass


Php 5,000                       Mrs. Fields:
                                       Pops-to-Go
                                       (60 pcs. Cookie Pops or
                                       48 pcs. Cookie Pops with Trail Mix)

                                       Seattle’s Best Coffee:
                                       Any Medium Javakula

                                       Kenny Rogers Roasters:
                                       Solo A Plate
                                       (Classic or Krispy Chicken)

                               
Php 15,000                   Toy Kingdom
                                       Php500 Discount

2016 Planner

I have in my stash of box a few planners that I haven't gotten around to using because they are out dated.

It seems such a waste to throw them since it isn't used but I can't actually use them since the dates are all wrong.

Then I told myself that I just have to be open minded about these things...

Enter the 2010 1st Semester Campus BDJ planner, which I actually bought because I was taking my Masters back then. Unfortunately I wasn't able to use it.

I just changed the dates and voila! I know its obvious and probably common sense as hell. But I also know that most of us would just buy a new planner than go through the bother of changing an old one.

Little things like these will save you money. And more money is always welcome.

Thanks,