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Touch 'n Go

Cashback Galore – Watsons

By Leigh
Updated January 3, 2020 Filed Under: Credit Cards, Financial/Life Hacks 0

Watsons

This article is authored and brought to you by one of our long-time readers – Alan Toh.

I did some minor editing. Enjoy!

Shopping for personal care products, skincare, cosmetics, and health supplements

Surely all of us have been to Watsons’ chain of pharmacies at some point in our lives. Be it to purchase personal care products, skincare, cosmetics or health supplements. And who wouldn’t like to receive cashback for all these purchases?

Well, I am here to introduce – the ULTIMATE guide to earn cashback from all of our purchases from Watsons’ .

Method 1 – Watsons’ VIP Membership

One may think that this is a pretty straight-forward way of earning points for every RM spent by just simply flashing the Watsons’ VIP membership card (or phone number registered with the membership) upon checkout at the cashier. You’re wrong.

As the Watson’s VIP Membership card comes with a built-in Touch n Go feature, users are encouraged to pay for their purchases at Watsons’ with Touch n Go by giving out very generous points multiplication.

Right now, for every RM paid with the Watsons’ VIP – Touch n Go card, users will be rewarded with 10x the points.

As an example, or every RM20 spent with the card, users will receive 200 points, equivalent to RM1 in cash value. That in itself is a generous 5% cashback (uncapped, of course). Not only that, Users can be rewarded with an additional 5x – 10x points for some selected products (just look for the tags on the aisles at Watsons).

Of course, in order to use the Watsons’ VIP membership card’s Touch n Go feature for payment, you need to have sufficient balance in the card. The card can either be reloaded without any fees at any Watson’s store using cash or with a credit card (note: accumulate credit card cashback or rewards points for every top-up performed) at any of the locations. You may double confirm the locations hERE.

In conclusion, not only do we get rewarded with Watsons’ VIP points worth between 5% – 7% in cashback, we would also be able to collect credit card cashback or rewards points as well. That could mean about 10% worth of cashback for our shopping at Watsons.

If you take a look at the example above of a purchase that I recently made using my Watsons’ VIP membership card, you can see that I received 6248 VIP points for my purchase of RM472.45. The value of the points received is worth RM31.24, which translates to a cashback value of 6.6%. In other words, I get to use the points earned for my next purchase at Watsons’, saving me a total of RM31.24 in value.

As of Jan 2020, Watsons’ may have reverted the 10x points to 5x.

Method 2 – BOOST Your Purchases

The second option would be to use Boost to pay for your purchase at Watsons’ store. The cashback reward for this method would usually turn out to be lower than the first method, but if reloading Touch n Go is a bit of a hassle for you (or if you are one who owns a credit card which rewards cash back for online purchases), then Boost is the way to go for.

The method here is fairly simple though, you’ve got to reload your Boost with a credit card (note: DO NOT use a Maybank Card to reload as you will not receive any reward), then flash your Watsons’ VIP Membership card together with your Boost QR code for payment upon checkout.

Remember to shake your Boost for coins (it’s the only way you would receive cashback from Boost). The typical cashback amount you would receive from Boost is between 2.2% – 8.8% depending on your luck with the Bonus coins reward and your Boost level. On top of that, you would receive up to 5% cashback from your credit card (usually capped at RM50 per card) and the usual 1 VIP point per RM spent from your Watsons’ VIP membership card (equivalent to 0.5% of cashback).

All in all, you may receive up to 18.8% of cashback using this method (up to 6.6% from Boost, up to 5% from credit card and up to 5% from Watsons’ VIP membership card if the item rewards with 10x points) if lady luck is on your side.

Method 3 – Mother of all Cash-Backs with Touch n Go eWallet

The final method, which could probably be the BEST method for earning cash back from Watsons’ store would be payments made using Touch n Go eWallet. You see, Touch n Go eWallet would occasionally collaborate with Watson’s to reward users with the Ultimate cashback of up to 16% (yes, you heard right, Watson’s and Touch n Go eWallet would give you RM8 in cashback for a minimum spending of RM50 and above in a single receipt).

Bear in mind though, each Touch n Go eWallet user is entitled to receive this cashback only ONCE throughout the campaign period and to make matters worse, the RM8 cashback is only limited to the first 25,000 transactions at all Watsons’ stores. So if you would like to earn up to 16% + up to 5% cashback for your purchases of RM50, then be sure to be one of the earliest to pay with your Touch n Go eWallet for your purchase at Watsons’.

Do keep in mind that the cashback from Touch n Go eWallet is capped at RM8 for purchase of RM50 and above in a single receipt, so try to use a combination of payment methods if your purchase amount is higher than RM50 in order to maximize the amount of cashback you could receive.

Watsons’ new campaign as of 2 Jan 2020 – 26 Feb 2020 is RM8 cashback for a RM60 minimum spend.

Bonus Money Saving Pro-Tip

Occasionally, Watsons’ would give out RM5 cash vouchers during their own campaign period, which is claimable the following week after the end of their campaign period. These vouchers would entitle customers to get RM5 off for purchases of RM50 and above in a single receipt. That is another massive 10% rebate on top of all the cash backs above!

End.

The amount may be a little small for some of you but cashback is cashback to me. Also, TnG’s eWallet is one of the most worthwhile ones out there currently.

Thank you again Alan.

A list of recommendations and stuff I use can be found hERE.
As always, Facebook and Instagram. Follow, keep up to date.

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[Sponsored] Touch ‘n Go eWallet

By Leigh
Updated August 22, 2019 Filed Under: Sponsored 2

I have a lot to fear when using e-wallets.

It has however been somewhat alleviated when I know that security measures are put in place to make transactions more protected. The one that really caught my eye was Touch ‘n Go eWallet’s new Money-back Guarantee policy. This policy is the first-ever policy in Malaysia that ensures your eWallet is safe and secure to use. This is the first time I’m hearing of such a policy from e-wallet service providers.

The Touch ‘n Go eWallet has all the benefits you’d expect from an e-wallet. And more. As far as I know, the Touch ‘n Go eWallet is the only one with unique features for toll payment. It is especially convenient as it ties in with RFID and PayDirect.  I now enjoy rebates as I pass through tolls with the eWallet.

Money-back Guarantee Policy

Now, on to the part I find most beneficial of the Touch n’Go eWallet to us user – its Money-back Guarantee Policy. The policy was introduced just a few months ago as there was a need to address users (like me) who needed assurance that they can avoid being scammed as they made payments online.

Verification of your identification is the most important step for Money-back Guarantee policy. As per the above steps, you’ll need to take a picture of your NRIC as well as a photo of yourself to get verified. The process is depicted below.

Touch ‘n Go eWallet’s policy addresses concerns many of us have regarding the security of eWallets. It’s especially risky with so many cases.

Just by googling eWallet scams, I’ve found a few cases. The most recent case I heard involved a user from Kluang, Johor where she had more than RM2,000 stolen from her through a particular e-wallet app.

Furthermore, vendors and merchants making an honest living are prone to all sorts of fraud cases involving fake notes. If all the retail outlets or mamaks or small vendors would start to use the eWallet, we could definitely see a reduction in these cases.

With Touch ‘n Go eWallet, they have a security guarantee in place through this policy to make sure that unauthorised transactions will be dealt with accordingly.

Submission of Claims

Upon successful verification of your Touch ‘n Go eWallet account, you’ll notice a Protection Shield’ icon visible on your edit profile button.

If you find that you’ve been charged with unauthorised transactions in your eWallet account, you can then click on the Money-back Guarantee Policy in the app. You may submit your claims via tngd.my/mbg or within the app itself.

You will then be prompted to a form. The next step of the verification process involves filling up the form with details of the case and attaching proof of receipts and any other relevant documentation.

The eWallet team will then investigate and if the claims are proven legitimate, refunds will be processed and reimbursed within 5 working days.

With such initiation by TNG Digital, users should feel more at ease using their eWallet. The transition from cash to cashless isn’t and will not be easy for some. However, knowing that such a policy is in place should see Malaysia converting to a cashless society. I look forward to seeing what Touch ‘n Go eWallet will have in store in the future for its users.

If you need more convincing or just wants to be educated about digital safety, check out this special Cashless Confidential video series here:

A nice little clip introducing TnG’s eWallet

Signing Up

If you haven’t already, sign up for Touch ‘n Go’s eWallet. Download their app, use my referral code – fc7gwv and don’t forget to get verified via the app.

Using the code will get you 5x toll rebates up to a maximum of 50x.

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