For most Filipinos, being a smart shopper is a badge of honor. After all, being able to get great deals consistently shows a mastery of decision-making, resource management, and value assessment. The reality, however, is that managing daily expenses can be challenging, especially if you don’t have the right financial tools.
Thankfully, the spread of affordable, consumer-focused credit cards has made saving and managing budgets much easier. Wherever you are in your financial journey, the right credit card will do a lot to help you meet your budget and reach your daily savings goals.
With the new Landers Cashback Everywhere Credit Card, you have exactly what you need to be a wais spender. Let's look at why Maya’s first credit card is the best credit card for online shopping and how it can help you save more cash on everyday purchases:
1. Maximize Credit Card Cashback Rewards
Choosing a credit card with generous cashback rewards is a pro-move for smart shopping. Picking supermarkets and stores that qualify for your card’s cashback mechanics can give you effortless savings without impacting your lifestyle.
If you’re already a Landers member or are planning to become one, the Landers Cashback Everywhere Credit Card is the best choice for boosting your cashback rewards. This card offers cashback on variouspurchases, allowing you to enjoy cashbacks of up to 5% at Landers, 2% on dining, and 1% on other transactions*. Regardless of the card you choose, make it a habit to use it for all eligible purchases to accumulate savings in cashback rewards.
2. Pick a Card with No Annual Fees
Annual fees are usually viewed as a necessary drawback of owning credit cards. However, more and more cards are coming with waived fees for the first year. The Landers Cashback Everywhere Credit Card does these cards one better by currently having no annual fees. With no annual fees, you won’t have to worry about the extra expenses of owning your card. Just make sure you're using your card for all the purchases you would normally make, so you can enjoy more value without any hidden costs.
3. Use Your Card to Pay for Online Purchases
Your Landers Cashback Everywhere Credit Card isn’t just for purchases at Landers. As it says in the name, you can use it to get cashback everywhere—even online. This makes Maya’s Landers card the best cashback credit card for online shopping, with savings to be had whenever and wherever you shop.
4. Avoid Finance Charges by Paying in Full
Being able to pay just the minimum fee on your card can be a lifesaver if you need to pay for emergency spending. However, for regular purchases, you should just pay off the whole monthly balance when you receive it. Doing this regularly will help you avoid finance charges, which can potentially offset your cashback rewards, and it is also a good practice that will help you build a good credit history over time..
5. Be Mindful of Payment Due Dates
Missing a payment due date will result in late fees as well as increased finance charges, both of which may impact the savings that you worked so hard to accumulate. To avoid this, set reminders for your payment dates so that you’re always on top of your statements. If you have a bank account or digital wallet that lets you automate your payments, set these up to pay your card provider so that you never miss a due date.
The Landers Cashback Everywhere Credit Card gives you the option to choose your billing date so you’re in control of when you pay. Take note, however, that this can only be changed once after you choose your billing date during the application.
6. Monitor Your Spending
Even long-time cardholders have problems tracking their credit card spending. It’s only normal to forget a payment occasionally, but if it has become a pattern, your savings will eventually take a hit. Regularly monitoring your spending on a budgeting app or a notebook helps you stay within your budget and ensures you always have something to tuck away in your savings account at the end of the month.
7. Utilize Cash Advances Sparingly
The Landers Cashback Everywhere Credit Card and other cards typically allow cash advances, which can be very handy when you’re traveling abroad or need to pay for something in cash. While this is an excellent feature, it should be used sparingly. Cash advances typically cost more than regular credit card purchases and some card providers have the interest accrue immediately. If you have to make a cash advance, try to repay it as soon as possible to avoid impacting your savings.
8. Build a Shop Smart Mindset
Lastly, the best thing to save up is to develop a sense of mindfulness over your daily spending habits. This includes examining where, when, and how you shop. Take note that the Landers Cashback Everywhere Credit card offers a generous PHP 200,000 spending cap annually, which is so much more than what other card providers offer. If you have the card, keep using it when shopping at Landers superstores and avoid using other payment methods. Likewise, when you’re shopping elsewhere, take the time to compare and contrast different offers and payments so you’re always getting the best possible deals.
Get More Savings When You Shop With Maya’s Landers Cashback Everywhere Credit Card
The Landers Cashback Everywhere Credit Card is much more than just a payment tool—it’s your gateway to significant savings. With cashback rewards on every purchase, it’s by far the best credit card for online shopping in the Philippines and the best for rapidly growing your daily savings. Whichever card you choose, these tips should help you push your earnings and savings further than you thought possible. Keep watching out for better deals and payment methods and you’ll reach your daily savings goals in no time.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
