Capitastar and Frasers Rewards

As a KPO, apart from being thrifty, I tries to make sure that the money spent is fully utilized. For instance, I avoid paying cash/NETS as much as possible and prefer using credit card because there is rebates/miles/reward points. If you spend in either Capitaland Malls or Frasers Centrepoint Malls, you should participate in their loyalty/rewards programme. Simply register and download both android/apple applications to your phone and take a photo of the receipts! This way you can get a little bit from the bank and a little bit from the malls. Shiok!

CapitaStar
A quick introduction from their site:
CapitaStar is the Multi-store, Multi-mall Cardless Rewards Programme by CapitaLand Mall Asia. 

With no membership fee, no expiry and no hassle of carrying a physical card, CapitaStar gives you benefits on top of any existing rewards and cards programmes. Simply shop and spend a minimum of $20 at any stores within our 15 participating CapitaLand Malls! 

Things to note:
- Receipt needs a minimum of $20 spending
- Receipt has to be scan/uploaded within the next 24 hours
- Every $1 spent = 5 STAR$ (1 STAR$ for supermarkets and food courts)
- The STAR$ expires by end of year + 6 months grace period to redeem the points
- Maximum of 5,000 STAR$ per day ($1,000 spending)

You can redeem Capitaland cash voucher after you have accumulated sufficient STAR$. Let's take a look at the numbers:

- Every 5,000 STAR$ = $5 CapitaVoucher

For every $1000 spent, you get $5 back. That is 0.5% or 0.1% ($5000 on supermarkets and food courts). I know some of you must be thinking that this is too little and simply not worth the effort but hey, this is more than the base interest of what the banks are giving you!

Frasers Rewards

Another quick introduction from their site:

Earn Frasers Points at all our retailers across our malls. That's more than 1,100 retailers (including supermarkets) to choose from.
Things to note:
- Receipt needs a minimum of $10 spending
- Receipt has to be scan/uploaded within the next 24 hours
- Every $10 spent = 10 Frasers Points (2 Frasers Points for supermarkets and food courts)
- The Frasers Points expires by end of year (01 October of the current year to 30 September of the following year)
- Maximum of 500 Frasers Points per day ($500 spending)

Similarly, you can exchange cash/rebates after you have sufficient points:
- Every 500 Frasers Points = $2.50 cash/rebate in your registered Frasers Rewards Gift Card

That is also a 0.5% ($2.50/$500) or 0.1% ($2.50/$2,500 on supermarkets). However, if there is a big purchase (e.g. furniture/electronics at courts), it would be better to get them at a Capitaland Mall because the daily capped is higher. Disclaimer: KPO has 2 lots of Capitaland shares. lol.

This is not a comparison! KPO is recommending you to participate in both programmes! 

On a side note, I find it quite funny how Capitaland is marketing their Capitastar as a "CARD-LESS REWARDS PROGRAMME, no hassle of carrying a physical card" (indirectly shooting Frasers Rewards Physical Gift Card) and how Frasers shoots back "EARN REBATES ANYTIME, ANYWHERE - Convert your Frasers Points to a rebate which will be instantly loaded to your registered Frasers Rewards Gift Card." (You will need to proceed to any of the Capitaland Malls customer service counters to redeem for cash vouchers).