Loyalty Rewards vs Cashback in Singapore: Which One Works Best?

Yusra
4 min readNov 18, 2024

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Singapore is a city full of options, especially when it comes to rewards. Whether it’s loyalty programs that rack up points or cashback that gives you money back, there are so many ways to get a little extra for your spending. But here’s the million-dollar question: which is actually better?

Let’s take a look at how Claire and Mark, two Singaporeans with different lifestyles, approach this question — and how Yusra helps them both get more out of their purchases.

Claire’s Story: The Convenience of Cashback

Claire is always on the go. Between work meetings, weekend getaways, and spontaneous dinners with friends, her life is fast-paced. For someone like Claire, cashback has always seemed like the easiest way to earn rewards.

She loves the simplicity: every time she buys groceries, fills up her car, or even grabs a coffee, she knows exactly how much cashback she’ll get. It’s instant, it’s easy, and there’s no need to remember loyalty points or redemption rules. “It’s just so straightforward,” Claire says.

But, after a few months, Claire starts to feel that the cashback is… well, a bit too predictable. “It’s nice, but I feel like I could be getting more from my purchases,” she admits.

That’s when she hears about Yusra — an app designed to help you earn more cashback on your purchases, as well as extra bonuses on top of your usual rewards. Curious, Claire decides to give it a try.

Right away, she sees the difference. When she shops at participating stores or buys from partner brands, Yusra gives her a bonus — on top of the cashback she’s already earning. It’s like getting rewarded twice for the same purchase.

“It’s like a little gift on top of my regular cashback,” Claire says with a smile. “I wasn’t expecting it, but now I’m actually excited to shop again!”

For Claire, Yusra makes cashback not just easier, but more rewarding. It takes the simplicity of cashback and adds a nice little bonus to the mix, making her everyday spending feel even more worthwhile.

Mark’s Story: The Long-Term Value of Loyalty Rewards

Mark is a frequent traveler who loves collecting loyalty points. He’s all about the rewards — whether it’s free flights, hotel upgrades, or access to exclusive offers. Loyalty programs are his thing, and he’s invested a lot of time building up his points.

But managing all his different loyalty programs was becoming a hassle. “I’ve got loyalty cards for airlines, hotels, even retail brands. Keeping track of everything was starting to feel like a second job,” he says.

Then Mark hears about Yusra and decides to check it out. While Yusra doesn’t manage his points directly, it does something even more helpful: it gives him cashback on his everyday purchases — cashback that he can use alongside his loyalty points. That means he’s not just collecting points for his travel or hotel stays, but earning cashback on everything he buys, too.

For example, if Mark buys something at a participating store, he earns both the usual loyalty points for his favorite airline and extra cashback from Yusra. It’s a win-win situation.

“I didn’t realize how much I was missing out on,” Mark says. “Now I’m getting cashback for things I was already buying, and the extra bonus makes it all feel more rewarding. It’s like double the rewards.”

Thanks to Yusra, Mark finds that he’s not only keeping track of his loyalty points more easily, but he’s also making those points go further with extra cashback. It’s a game-changer for someone who’s always thinking long-term about his rewards.

How Yusra Helps Claire and Mark Maximize Their Rewards

What makes Yusra so useful for Claire and Mark is how it boosts both cashback and loyalty rewards. Here’s how:

  • Extra Cashback: With Yusra, every purchase is an opportunity to earn more. Whether it’s groceries, a night out, or even online shopping, Yusra offers cashback on virtually everything you buy.
  • Cash Bonuses on Top: It doesn’t stop at the cashback. Yusra gives additional bonuses on top of regular cashback and loyalty points, helping users like Claire earn even more for every dollar spent.
  • Seamless Experience: Yusra makes it easy to track everything in one place — cashback, loyalty points, and bonuses. Users don’t need to juggle multiple apps or remember complicated rules. It’s all streamlined.
  • Smarter Spending: With Yusra tracking the cashback and bonuses, users can focus on what matters most — getting the best rewards from their everyday spending without worrying about expiry dates or missing out on promotions.

Loyalty Rewards vs Cashback: Which Should You Choose?

As Claire and Mark’s stories show, the answer to this question depends on your lifestyle and what you value in rewards. But with Yusra, you don’t have to choose between the two — it’s possible to get both!

Cashback for Simplicity and Quick Rewards

For someone like Claire, who loves simplicity and instant rewards, cashback is an easy choice. It’s quick, predictable, and doesn’t require much thought. With Yusra, it gets even better, with extra bonuses that make every purchase feel more rewarding.

Loyalty Rewards for Big Value Over Time

For those like Mark, who prefer to earn rewards that can be redeemed for big-ticket items like flights and hotel stays, loyalty rewards are key. But with Yusra, even loyalty-focused spenders can earn extra cashback to make the process even more valuable.

Final Thoughts: Make the Most of Your Spending with Yusra

In Singapore’s fast-paced world, getting the most out of your spending is more important than ever. Whether you prefer cashback for its simplicity or loyalty rewards for their long-term value, Yusra ensures that you can earn more every time you spend.

With cashback on every purchase and extra bonuses on top of your regular rewards, Yusra helps make every dollar count — without the hassle of managing multiple apps or missing out on rewards.

So, whether you’re grabbing lunch with friends, booking a getaway, or shopping online, Yusra makes sure you’re always getting the best deal on your rewards

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Yusra
Yusra

Written by Yusra

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Yusra enables you to create personalized wallets with your favorite merchants, allowing you to earn cash rewards before you even make a purchase!

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