The Ultimate Guide to Payment Methods for Offline Stores and its Rewards

We all know that cash is king but when it comes to payment, which is the best payment methods to use for offline stores in Singapore? Even though the rewards earned from some payment methods may be small but it adds up over time. 

Below is an example of a 1% cashback earned for a $20 purchase across different periods.

If you have always wondered which payment method to use when spending at offline stores, then this post is for you. 

Of course not all offline stores offer all types of payment methods, hence we will rank the payment method by their rewards, equipment and availability. 

For equipment, it will be what is required by the user to make the payment.

For availability, it will rated as such

• Low (hard to find)
• Medium (still can find)
• High (almost everywhere) 

Payment Method	Equipment	Availability	Rewards
Cash	Coins or Notes	High	NA
Debit Card	Card	High	Points, Miles, Cashback
Credit Card	Card	High	Points, Miles, Cashback
Google Pay	Phone	High	Points, Miles, Cashback
Samsung Pay	Phone	High	Samsung Rewards Points, Points, Miles, Cashback
Apple Pay	Phone	High	Points, Miles, Cashback
NETS	Card	High	NA
NETS Flashpay	Card	High	NA
NETS Cashcard	Card	High	NA
NETSPay	Phone	High	NA
GrabPay	Phone	Medium	GrabPoints
FavePay	Phone	Medium	Fave Cashback, Points, Miles, Cashback
DBS Paylah	Phone	Medium	NA
AliPay	Phone	Low	NA
Wechat Pay	Phone	Low	NA
Singtel Dash	Phone	Medium	Cashback
Liquid Pay	Phone	Low	NA
UOB Mighty	Phone	Low	Points, Miles, Cashback
OCBC PayAnyone	Phone	Low	NA
EZ-Link	Card	Medium	Rewards points

Personally, my favourite payment methods that I often use for offline stores are credit card, GrabPay and FavePay since they give the most rewards and are commonly available to use.

If you often eat at cafes or restaurants, then you must sign up for Shopback Go. It allows you to earn cashback on top of the rewards given from your debit or credit cards. You will be able to withdraw your cashback from Shopback Go as cold hard cash into your bank account. Click here to sign up now >> Shopback Go

Do let me know if you know of other payment methods that you use for offline stores and the rewards it gives. Don't forget to subscribe by liking our Facebook Page for the latest updates! Also let us know what you would like us to blog about next!