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You can still save during COVID-19

25 Aug 2020

In the past few months, you’ve probably earned less. Your every-day expenses have gone up. The limitations COVID-19 has placed on your job, lifestyle and spending are here to stay for a while. This is particularly tough if you are the only breadwinner, even tougher if you are a woman. In South Africa, about 38% of households (6.1 million homes) are female headed.

Loyalty programmes - save on your shopping, and get rewarded

While COVID-19 has increased your financial strain, there are still ways in which you can save. For instance, when doing your every-day shopping, why not use a loyalty programme to save and get rewarded? Loyalty programmes give you cashback, rewards points and discounts, which you can then use to shop for everyday items. You will save on your purchases, and you can also take advantage of other benefits offered by these programmes.

Here are just a few of the retailers offering excellent loyalty programmes, with cashback and instant discounts.

SPAR Rewards

As a member of the SPAR Rewards Programme, you will receive exciting cash discounts on a wide range of SPAR products. SPAR will send you monthly electronic product coupons that will be redeemed automatically when you swipe your card or quote your cellphone number at till points.  All you need to sign up online or instore, is your cellphone number.

Pick n Pay Smart Shopper

The Smart Shopper card is an excellent way to get discounts on your Pick n Pay groceries. Earn points every time you swipe your Smart Shopper card and spend these points on any items instore. You also receive personalised discounts and earn points at partners such as BP when you buy fuel. Plus enjoy the flexibility of this programme – you are even able to exchange points for food items at Steers.

Dis-Chem Benefit

The Dis-Chem Benefit is a great way to save. Earn loyalty points every time you swipe your Dis-Chem card at Dis-Chem, which you can then redeem towards your purchases.  You also qualify for instant cash discounts on selected products, and receive points through partners such as Totaland various medical aid schemes.

Standard Bank UCount Rewards

Earn UCount Rewards Points (up to 1.25% back in Rewards Points) every time you use your Standard Bank Personal Credit, Cheque or Debit card to pay for everyday purchases. You will also earn up to 5% back in Rewards Points per litre of fuel at Caltex, and 5% back in Rewards Points when shopping at UCount Rewards retail partners such as Clicks, Fresh Stop, Hirsch’s and Makro. UCount Rewards offers other useful benefits such as up to 2GB of data every month, if you have an active Standard Bank Mobile SIM card. 

If you’re looking to cut down on your spending, loyalty rewards are an excellent addition to your broader savings plan. It is also vital to put aside a monthly saving in a savings or investment account, and to cut down on unnecessary spending and debt. For more advice on how to save and make your money go further, speak to your Liberty financial adviser.

  1. statista, www.statista.com
  2. ‘These are SA’s favourite loyalty programmes for 2019/20’. Bizcomminity, bizcommunity.com


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