To achieve the maximum 20% cashback, you must use the “Olive Flexible Pay” smartphone contactless payment method. Since the maximum cashback rate differs for the standard Sumitomo Mitsui Card (NL), be sure to double-check your payment settings (from the official website).

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Sumitomo Mitsui vs. Mitsubishi UFJ! The Secrets to Smartly Maximizing Benefits by Holding Two Cards in the Battle for “Point-Earning” Supremacy with Up to 20% Cash Back

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