領取不到獎勵時因出現一些小錯誤令獎勵未能領取，也即時通知我給我建議如何修正，已完成領取禮物
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How SmartPoints Work
SmartPoints are loyalty points you earn whenever you apply for eligible financial products. Redeem them for a wide range of rewards.
1. Apply for a Financial Product
2. Submit Claim and Get SmartPoints
3. Redeem and Receive Rewards
Redeem SmartPoints for Rewards you love.
Once you've collected SmartPoints, redeem them for rewards you love—from gadgets to converting them into other points. The choice is yours.
What customers are saying about MoneySmart
4.2 rating of 147 reviews
Very efficient team, proper response Big appreciation for that
Customer service replies by emails in time and clearly
A big thank you to the Money Smart team! They have been so helpful in resolving my issues. Their service is fantastic and quick! Highly recommend them!
Fast
客戶服務員回覆快捷又有禮
Rewards work great - super quick feedback from customer support team when I had queries. The time taken to provide the rewards could be faster though
👍🏻👍🏻
moneysmart 員工努力幫我找回600港元的現金券，員工非常友好和樂於助人！
Excellent customer service - their staff Luna was extremely helpful in resolving the issue.
非常盡責，申請禮物後收唔到e-coupon, email詢問後好快補返禮物
MoneySmart的服務有禮、熱誠又迅速， 很有責任感 ，感覺非常滿意!!!
excellent experience and they could give me a prompt reply. Very appreciate their special help. I have confidence to use their service again and definitely recommend to my friends.
太棒
good service efficient to solve problems
用心服務，在客人有疑問時能快速回覆(Customer Service Executive Elsa)，給予協助，值得推介。
首先，要大讚MoneySmart一次都沒有走過數（相比MoneyHXXX）。我通過MoneySmart邀請碼申請過多個股票戶口。我以個人人格擔保MoneySmart是一間legit的獎賞公司，而不是一間詐騙公司。 但系，MoneySmart最大的敗筆，就系其電子eCoupon系統供應商Wogi。MoneySmart提供的超市禮券，有效期均為兩年以上。但Wogi eCoupon系統的獎賞連結有效期，只有數個月。並且，Wogi系統內，只能兌換50或100元面值的eCoupon。因此，你必須儘快從Wogi系統內，兌換eCoupon，複製其eCoupon連結URL，並記錄於自己手機或電腦的文檔內。 Wogi的兌換系統設計，會造成什麼使用上的麻煩以及安全隱患？這意味著如果你從MoneySmart攞到2000元的超市禮券，你需要由Wogi網站兌換並複製出40張eCoupon的URL，並且保存於不安全的本地文檔，或者WhatsApp信息裡面。你需要自己紀錄邊張eCoupon已經使用，邊張eCoupon就來過期。如果你同時申請3個戶口，攞到6000蚊，咁你就需要管理 40 * 3 = 120張eCoupon的網址連結。會令你的eCoupon記錄管理變得極度混亂。 第二個更為危險之處，在於Wogi的獎賞連結，如被人盜取，那麼任何得知你Wogi連結的壞人，都可以隨意使用你的eCoupon。 因此，MoneySmart作為一件獎賞公司，我認為是值得信任以及依賴的。但系由於其eCoupon供應商Wogi的用戶體驗不足，我日後無論個人，或者建議親戚朋友，都只會使用其他肯派發實體禮券的獎賞公司（如X斯）。 最後，我也鼓勵MoneySmart可以與其供應商Wogi，一同商討對策，提升客戶用戶體驗。希望你地未來可以做得更好。
Thank you for your help and support, l will keep in touch with money smart. This is so good!
Beth (Customer Service Executive) is excellent. She showed her professionalism throughout her assistance that she provided. She is kind and thoughtful, by which my enquiry and request were answered and fulfilled nicely. Thank you so much Beth!
有回覆問題及處理.
Frequently Asked Questions
Can I redeem SmartRewards if I do not have enough points?
You'll need enough SmartPoints to redeem your chosen reward—but don't worry! If you're short on points, you can purchase additional SmartPoints from the Rewards Store. This way, you can still get the reward you want without waiting to earn more points.
However, do note that some rewards (especially certain point conversion products) do not allow top-ups, so you'll need the full earned SmartPoints amount to redeem those items.
However, do note that some rewards (especially certain point conversion products) do not allow top-ups, so you'll need the full earned SmartPoints amount to redeem those items.
When will I receive my redeemed rewards?
If you redeem a physical product, the standard delivery time usually takes up to 21 working days after we receive your order. Kindly note that these are just estimates, and actual delivery dates may vary depending on external factors beyond MoneySmart and the courier's control.
If you redeem digital vouchers, the voucher will be sent to you within 7 working days via email upon payment completion.
In case you have any further questions or concerns, don't hesitate to get in touch with us.
If you redeem digital vouchers, the voucher will be sent to you within 7 working days via email upon payment completion.
In case you have any further questions or concerns, don't hesitate to get in touch with us.
Can I request for an exchange/refund of my redemptions?
Unfortunately, all redemptions are non-refundable and non-exchangeable. If you received defective items, they will be covered by the merchant's warranty, and you may initiate your replacement through the merchant.
I have submitted my claim form. When will I receive my SmartPoints?
SmartPoints are usually processed within 4 to 5 months after the campaign ends.
If you apply for a product with faster fulfillment, you could receive your sign-up gift in as little as 5 weeks. Check the campaign's terms and conditions to see if it applies.
If you apply for a product with faster fulfillment, you could receive your sign-up gift in as little as 5 weeks. Check the campaign's terms and conditions to see if it applies.
Can I submit a claim form first before spending or activating a credit card?
Certainly! You can submit a claim form once you have the Application Number (Unique Reference Number) from the financial partner. It's strongly encouraged to submit the claim form before spending or activating, as doing so is a criterion for eligibility for the sign-up gift in most of MoneySmart's campaigns.
I already have the product/credit card but did not apply through MoneySmart. Can I still claim the SmartPoints and redeem rewards?
No. Unfortunately, you won't be eligible for the reward if you apply for a product outside of MoneySmart. To qualify for SmartPoints or sign-up gifts, you must apply for the product directly through MoneySmart and adhere to the campaign requirements.