In the Philippines, credit cards were once seen as a luxury for a select few. However, they’re gaining serious traction as a practical tool for everyday spending. Indeed, when used wisely, the right credit card can actually save you money and give you extra financial protection, even as it gives you access to the good things in life.
Nowhere is this more apparent than with the Landers Cashback Everywhere Credit Card from Maya. Aside from its generous cashback rewards and trailblazing digital-first features, it can deliver a lot more value than you might expect. Yes, you can use your Landers Cashback Everywhere Credit Card much like any other cashback credit card, but if you’re ready to go beyond the basics, you stand to gain so much more. Here’s how you can maximize your credit card’s hidden potential.
1. Earn Cashback Savings On Your Daily Essentials
Groceries are among the biggest regular expenses for typical Filipino households. With the Landers Cashback Everywhere Credit Card, you earn up to 5% cashback at Landers, 2% on dining, and 1% on other qualified transactions.* So long as you pay your credit card bills on time, buying your essentials with your card automatically delivers real savings. This means using your card for weekly groceries, dining, and online shopping can be more financially sound than using cash alone.
2. Unlock Higher Cashback Rates with Consistent Spending
If cashback everywhere wasn’t reason enough to use your Landers Cashback Everywhere Credit Card, you also get more rewards the more you increase your qualified spending. To start, you’re already entitled to a 3% cashback at Landers; significant savings, especially when you account for the amazing deals and wholesale prices at Landers Superstores. But spend at least PHP 20,000 on your card in a month, and the rate jumps to 4%. When you hit PHP 50,000 in total spending, inside or outside Landers, you then unlock a whopping 5% cashback.
Spending big to gain these cashback rates is especially worthwhile if you run a business or a large household. With an annual cashback cap of PHP 200,000, you have the flexibility to make the most of your everyday spending without leaving valuable rewards on the table.
3. Redeem Rewards without the Hassle
A credit card reward structure that looks generous on paper can be frustrating when it’s time to collect. When redeeming the rewards of many credit cards, it’s not unusual to have to make a personal appearance at a bank branch or to have to dig through the internet for a special email address or phone number that you have to contact just to get the rewards you’re owed.
There’s none of that with the Landers Cashback Everywhere Credit Card. With this card, each of your credit card points is worth PHP 1, and once you’ve accumulated enough points, you can redeem them instantly the next time you check out at Landers. Just prepare your app upon checkout, tell the cashier you want to use your points, and you’re done.
4. Keep Tabs on Your Spending in Real Time
It’s difficult to make your credit card work if you can’t track your income and expenses accurately. While you can certainly do this with a notebook or an Excel file, tracking your spending to the last sentimo is much easier with the Maya app. With just a few clicks, you get instant updates and access to your statements whenever you need them. Having this visibility literally at your fingertips helps you track your budget and avoid surprises when your bill arrives.
5. Don’t Forget Those Dining Perks
The Landers Cashback Everywhere Credit Card is designed to maximize the premium shopping experience at Landers, but don’t forget its dining privileges. Dining transactions earn 2% cashback, which means you get rewarded for enjoying experiences that are already part of your lifestyle. These small returns add up, softening the cost of your leisure spending.
6. Control Everything with Your Maya App
Everything about your Landers Cashback Everywhere Credit Card, from monitoring your rewards to setting spending limits, can be managed directly in the Maya App. Unlike with other credit cards, you won’t need to call or email customer service just to adjust a setting or view your statement.
This ease of management also makes your account more secure. From the app, you can even freeze your card if something is off. If you lose your physical card, you can even block it and order a replacement with just a few taps. No need for long phone calls, paperwork, or waiting in line.
Smarter Shopping Starts with a Maya Credit Card
Credit cards are not just ways to access credit but are safe ways to amplify your savings and financial flexibility. With its strong cashback program and host of cardholder-focused features, the Landers Cashback Everywhere Credit Card by Maya is a strong contender for the Philippines’ best cashback rewards card. Apply today over the Maya app or at your nearest Landers and see how much smarter your everyday spending can be.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
