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.