New Rules of High-Redemption Point “Poi-Katsu”, including a 15% annualized super-benefit technique….

From Convenience Stores to Coffee Shops, Using Your Card in All Ways is the Right Way to Go

With the rising cost of living placing increasing burdens on household budgets, “poi-katsu”, the practice of efficiently accumulating points and using them to make purchases, is attracting attention. Economic journalist Fujiko Sakai says, “Until now, people have been using their points to pay for purchases wherever they go.

Until now, the most popular method of “poikatsu” has been to use a single credit card with a high point redemption rate no matter where you make purchases. Recently, however, the trend is to have multiple cards that offer high redemption rates in specific situations and use them in different ways to save money on points.

Credit cards and loyalty cards generally have a redemption rate of around 1%, but some have rates of over 10%. Let’s take a look at the situations in which they can be used.

First of all, the most common high-reward cards are store cards issued by electronics retailers. In particular, the “Bic Camera Suica Card” can be used for purchases both in stores and online at “Bic Camera.com”. In particular, the “Bic Camera Suica Card” is outstanding, offering a 10% return on Bic Points for purchases made in stores and online at “Bic Camera.com”. If payment is made with Suica, 1.5% JRE points are also added, making the rate 11.5%. The other trend is that convenience stores are also offering a 10% return on BIC points.

Another trend is credit cards that offer higher points when used at convenience stores. One such credit card is the Mitsubishi UFJ Card. Whenever customers use the card at Seven-Eleven and Lawson, they receive 5.5% of the total amount in “Global Points”. The campaign is running until the end of September, so it is a good time to take advantage of this offer.

The “Rakuten Card” point system is representative of the “Poy-Pay” system at e-commerce sites, but the “PayPay Card” is also a good choice. PayPay Card’ as well. Shopping, and 14% if you use it on Sundays with a 5, so it’s hard to beat. Shopping, and 14% if you use it on Sundays with a 5. Cafes and drugstores often offer good deals when using loyalty cards or electronic money. For example, both Lenoir and Doutor offer up to 10% back with their own prepaid cards. Also, at drugstores, Matsumotokiyoshi’s “Matsumotokiyoshi Cash Point Card” gives 3% back depending on the amount spent. In addition, if you use your ‘d-card’ for payment, you will receive a 4% reduction, so you will actually receive 7%.

Although not strictly speaking points, there is a system that is gaining attention for its powerful 15% annualized return. That is Takashimaya’s online bank account “Sugo Stacking. This service allows customers to accumulate money in a dedicated Takashimaya shopping account for one year, and upon maturity, the equivalent of one month’s worth of 15% annual interest is added to the account.

It is always a good idea to check if the stores you frequent have a high-reward point service.

From the September 2, 2022 issue of FRIDAY