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エスマート(Smart)を利用する人はマムハートカードがお得

エスマート(Smart)を利用する人はマムハートカードがお得

先日、マルイを中心に利用する人は、10日以外は、マムハートカードやCoGCa(電子マネーコジカ)の利用よりも、【リクルートカード】などの常時還元率の高いものを利用したほうが、得であることを伝えました。

10日はマルイで買い物で得しよう!マムハートカードの機能について
でおなじみイオンのサービスと、似たようなサービスをマルイもしています。10日はマムハートカード利用で3%オフ、現在サービス期間中で何...

マムハートカードやCoGCa(電子マネーコジカ)の利用で、ポイントが付く指定店舗は、少しずつ増えています。鳥取ではエスマート(Smart)も指定店舗で、マルイで利用するよりも圧倒的に利用価値があります。

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エスマート(Smart)でのポイントについて

以下より最寄りのエスマート(Smart)でのポイントサービスについて確認ができます。

200円(本体価格)より1ポイント+電子マネー使用で+1ポイント進呈ですから、電子マネーでお買い物いただくと、例えば…ダイアモンド会員となった場合、その月に50,000円(本体価格)お買上げ頂くと3,000円分(本体価格)のお買物が無料で出来るので、とてもお得です!!

出典:エスマート(ポイント制度について)

トリ夫(管理人)
すごいお得!

ただし、ダイアモンド会員になるには、前の月に5万円以上、電子マネー(CoGCa)で支払う必要があります。

紹介されているポイントの倍率について数字のトリック

ポイントサービスの説明では数字のトリックが使われています。注意しましょう。

  • 4倍:3万円以上/月
  • 6倍:4万円以上/月
  • 12倍:5万円以上/月

一見すると、ポイント4倍と聞くと、100円の利用で4円分のポイントが付きそうな気がします。しかし、そういうわけではありません。ここで基準となるのは

  • 1倍=0.5%ポイント還元

の公式です。以下100円電子マネーを使うと貯まるポイントを想定します。

  • 4倍=2%=2円
  • 6倍=3%=3円
  • 12倍=6%=6円

現金払い/クレジットカード払いの場合は

  • 3倍=1.5%=1.5円
  • 5倍=2.5%=2.5円
  • 11倍=5.5%=5.5円

です。

CoGCaユーザー
12倍だから1割以上の値引きがされている

と勘違いしないようにしましょう。にしても、すごい還元率です。これだけ見ると、

トリ夫(管理人)
普段利用するのエスマート(Smart)にしよっかな〜

と考えてしまいます。

月3万〜5万円エスマート(Smart)で利用することはできるか?

よく節約生活では

節約マン
4人家族の食費は1週間5000円で!

と紹介されています。1250円/人。安いものを買おうと意識できないうちや、6人以上の家族では、月3万円はかんたんに達成できそうです。

ですが、節約のためとなると話は別です。ある意味3〜5万円利用しないと、ポイントは0.5%~1.0%還元のままです。かつ、ポイント還元を受けようと思ったら、電子マネー(CoGCa)利用が必須です。

それを考えると、エスマート(Smart)を日頃から使っている人でも、厳しいのかもしれません。エスマートだけで生活している方は、そもそも、しっかり節約している人です。そんな人でもおそらく1.5~2.0%の還元を受けるのが精一杯かな・・・さてあなたはどうしますか?

電子マネーを利用するなら利便性が高いものが得

鳥取や山陰だと、利便性の高い電子マネーは限られます。WAONと楽天Edyです。

コンビニや自販機は値引きはないので、普段から常用すると節約はなかなかできませんが、

トリ夫(管理人)
節約は気持ち。今までの生活(支払い)で、できるだけ高い還元を受ける

ことを私は方針としています。節約は大切なことだと思いますが、頑張りすぎるとつまらないから(笑)

楽天Edyに関して言えば、リクルートカードでチャージすることで、常時1.7%の還元を得ることができるのでお得です。更に、楽天カードでポイントが入るところで購入すれば、2.0%超えの還元を常時得ることができるので、エスマート(Smart)だけで生活しないのであれば、お得です。

チャージで得をしたいなら一読必死!

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