Claim your Smart Bro Points

If you're internet connection is Smart Bro and you are paying monthly then you have smart rewards points.

What is smart Rewards Points
Smart points is a reward given to Smart Bro clients. For every P1.00 worth of transaction you get 5 points. Plus 500 points monthly if you enroll to their SMART's electronic bill.

How can you redeem Smart Rewards Points
Go to their website http://smart.com.ph/. Then log in to your account. (How to register to log in to your smart bro account).

Click Smart Rewards -> Click Redeem Free Items

Choose the rewards you want

How NOT to pay your credit cards annual fee.

I am using credit card for more than 4 years and every year I pay the annual fee for my credit card. My credit card is HSBC Visa and I pay 1200 pesos every year. Until lately a friend told me that I can have a reversal for my annual fee.

What is annual fee reversal and how can I avail it? First is you will call the customer service for HSBC. You will tell them you wanted to have a reversal for you annual fee. They will have certain conditions, like in my case I was allowed to have a reversal if I purchase 5 thousand pesos for two months. However if you think the condition is not okay then you can threaten them to close your credit card.