In recent years, online shopping has become a staple in the lives of many Filipinos. Thanks to the convenience and variety this arrangement offers, more and more people are opting to make purchases from the comfort of their homes.
Credit cards have also played a significant role in encouraging this shift because they provide a secure and efficient way to pay for online purchases. The added benefits of using a credit card, such as potential savings, purchase protection, and rewards programs, make buying online an even more attractive option.
In addition, purchasing online with a credit card is oftentimes the better choice over other payment methods. For one, credit card infrastructure means better protection against fraud, so you can be certain that your transactions are safe. For another, when you use the best credit card for online shopping Philippines residents trust, you can also enjoy perks like cashback, rewards points, and extended warranties. All of these can make your purchases more economical and secure.
There are also certain items that are particularly advantageous to buy online with a credit card, and knowing what they are can help you become smarter about your purchases. If you want to take full advantage of the benefits mentioned above, here are some items you should consider buying online with your credit card:
1) Groceries and Household Items
Among the first things you should start buying online with your credit card are groceries and household items, as shopping online with a trusted retailer will save you both time and money. Many grocery stores now have online platforms where you can conveniently shop for your essential supplies, and a good few also offer home delivery to help you avoid the hassle of going to the store. You can also opt into online promotions and bulk buying discounts to save on your regular purchases.
Use your credit card for these transactions to earn rewards points or cashback. Look for credit card issuers that partner with superstores, such as the Landers Cashback Everywhere Credit Card by Maya. This card allows you to earn up to 5% cashback on all Landers purchases, which can add to your savings. The same card also enables 2% cashback whenever you dine out and 1% cashback on other qualified transactions, which accounts for the “everywhere” when it comes to your rewards.
2) Electronics and Gadgets
Electronics and gadgets are also more economical to purchase online due to exclusive discounts and deals. A number of online retailers offer promotions that you might not find in physical stores, such as flash sales, seasonal discounts, and bundle offers.
When you use your credit card, you can also take advantage of additional perks like purchase protection, which covers your items against damage for a certain period. Moreover, some credit cards entitle you to extended warranties beyond what the manufacturer offers. This means that if your gadget encounters issues, you can get it repaired or replaced without incurring additional costs, which will provide you with extra peace of mind for your high-value purchases.
3) Subscriptions and Digital Services
A lot of Filipinos manage subscriptions and digital services online because it’s highly convenient. Whether you use your credit card to pay for streaming services or software subscriptions, you can rest assured that they’ll always be handled securely and automatically.
You can also automate credit card payments for your subscriptions, ensuring that you don’t miss any fees and enjoy the services without interruptions. If you’re a heavy subscriber, you should also look for card programs that offer additional perks such as free trials or discounts on certain subscriptions. These will make it even more economical to manage your digital services with a credit card.
4) Travel Tickets and Accommodations
It’s also a good idea to book travel tickets and accommodations online because it’s often cheaper and more convenient to do so than going through a travel agency. Online platforms allow you to compare prices, read reviews, and book in advance, which helps you get the best deal.
Using a credit card for these purchases also makes the process smoother. At the same time, you’ll be better protected against travel-related issues through the benefits offered by your credit card provider. For instance, many credit cards include travel insurance and emergency assistance services, which can save you from unexpected expenses and hassles during your travels.
Moreover, using a credit card can shield you from fraud more effectively than using a debit card. Credit card companies often offer zero-liability policies for unauthorized transactions, which means you are not responsible for fraudulent charges. It is also easier to cancel reservations and get your money back if you need to, as a number of credit cards offer dispute resolution services that can handle these issues efficiently and reliably.
5) Fashion and Apparel
Other items you should start buying online with your credit cards are fashion items and apparel. You’ll get access to a wider variety of brands and styles than local stores might offer. Online retailers also often have sales, discount codes, and special promotions that can make your purchases even more affordable. For instance, you may be spoiled for choice when it comes to exclusive online collections, limited-time discounts, and end-of-season sales that will allow you to reap significant savings on your purchase with your credit card.
Credit card rewards and cashback offers can further reduce the cost of each fashion purchase, affording you a smart way to stay stylish without breaking the bank. Fashionistas should also look for exclusive discounts with specific retailers to purposefully add to their savings when shopping for clothes, shoes, and accessories.
Ultimately, when you shop online with your credit card, you’ll open yourself up to numerous benefits, from convenience and access to a wider variety of products to significant savings through discounts and rewards programs. Consider buying the items mentioned in this article, along with many other types of products, online and with your credit card.