With Filipino consumers now shifting to cashless payments, credit card providers have begun offering generous credit card rewards to keep up with demand. When chosen wisely, these cards can be a great way to make your natural spending habits work in your favor. The key is to choose a card that optimizes spending without the need to drastically change your shopping habits or monthly budget. For this, a cashback credit card is usually the best choice.
Recently, the Maya Landers Cashback Everywhere Credit Card has emerged as a leading choice for wais shoppers. This exclusive card offers up to 5% cashback at Landers superstores, 2% on dining, and 1% on other qualified transactions* while also doubling as your Landers membership card.
If you’re not familiar with the Landers shopping experience, you’re in for a treat. The Landers shopping club offers exclusive discounts on premium groceries and other essentials, offering all shoppers big savings. Using your Landers Cashback Everywhere Credit Card stretches your savings further, giving your peso more buying power. Spend enough on your card, and you can earn vouchers for credit card discounts that you can spend at Landers.
That’s not all. With care planning, your savings can go even further. Here are a few solid tips to further maximize your cashback and other rewards.
1. Use Your Card for Everyday Essentials, In and Out of Landers
It makes perfect sense to use your Landers Cashback Everywhere Credit Card at Landers for big cashback points. However, you can still benefit if you use your card for other qualified online and offline purchases. When you hit spending the milestone of PHP 20,000, you can increase your cashback rate at Landers from the baseline of 3% to 4%. Hit PHP 50,000 per month, and you can get the maximum 5% cashback. To maximize your cashback savings, be sure to use your card for as many qualified purchases inside and outside of Landers as you can.
2. Time Your Big Ticket Purchases
As mentioned, hitting the spending milestones of PHP 20,000 or PHP 50,000 per month unlocks bigger cashback when you buy Landers essentials with your card. Of course, not everyone spends PHP 20,000 or PHP 50,000 every month, especially if they’re single and committed to living a frugal lifestyle. However, you can qualify for the higher rates in some months if you correctly time essential big-ticket purchases earlier in your billing cycle. This way, you can unlock higher cashback rates without deviating from your budget and still have plenty of time to shop at Landers.
3. Allow Notifications from Maya and Landers
Doing this helps you save in a few ways. First, you’ll get notifications on upcoming bills, helping you pay on time and avoiding finance fees on your card. It also puts you on the inside loop for upcoming sales and promos from Landers and Maya that you can use to save even more when shopping. With notifications enabled, you won’t miss out on opportunities to save big on essentials that you would have bought anyway.
4. Pay Your Balance in Full and On Time
Carrying finance charges from cycle to cycle can quickly wipe out your cashback savings. Paying on time and in full avoids these fees but it’s easy to forget due dates when you’re busy. As mentioned, you should allow Maya and Landers notifications but you should also set reminders for your payments on your phone to be safe. Set these reminders to go off on your payday so that you have cash available to pay off your card.
5. Don’t Forget to Use Your Card for Dining Out
If you frequently eat out, make sure to charge your restaurant bills to your Maya Landers Cashback Everywhere Credit Card. Not only do you get 2% cashback on your dining transactions, but you’ll also contribute to your qualified spending limit to unlock even more cashback when you shop at Landers.
6. Redeem Your Cashback Wisely
With the Landers Cashback Everywhere Credit Card, the points you earn can be deducted upon payment the next time you shop at Landers. You can also monitor your progress over the convenient Maya App. This makes the card a far more convenient option than a card that requires you to make a phone call or a personal appearance to track points and redeem vouchers.
Still, this convenience means that you’ll want to spend your cashback wisely. Instead of spending your vouchers on impulse purchases, use them strategically for necessities like groceries or household items at Landers so that you get even more for your money. With time, you can start a positive cycle of rewards and redemptions that stretches your peso to its limit.
Unlock A More Rewarding Lifestyle with the Maya Landers Cashback Everywhere Credit Card
Earning more credit card rewards doesn’t always mean spending more. More than anything, it’s about being mindful of what you choose to spend on. Hopefully, these tips will become a stepping stone to wiser spending and proactive financial management. When you’re ready for a new world of savings, visit your nearest Landers superstore or apply for the Maya Landers Cashback Everywhere Credit Card online through the Maya app.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
