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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.
Frequently Asked Questions
Can I redeem SmartRewards if I do not have enough 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.
When will I receive my redeemed rewards?
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?
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.