The biggest allure of using smartphone payments is “double-dipping” or “triple-dipping” reward points. With minor setups, you can double your return rates. We explore practical techniques to stack rewards using QR payments.
Basic Structure of “Double-Dipping”
The most straightforward method is: “Credit Card Top-up” + “Paying with Top-up Balance.”
Example: Rakuten Pay
- Top up from Rakuten Card: Earns 0.5% points.
- Pay with Rakuten Cash balance: Earns 1.0% points.
- Total return: 1.5% yield achieved instantly.
Card Linkage Double-Dipping
Without manual topping up, you can bind a high-yield credit card directly to the app.
- d払い (d-barai): Set your “d Card” as the active source. You earn 0.5% from d払い and 1.0% from the card, yielding 1.5%.
Stacking Further: “Triple-Dipping” with Reward Cards
Before having the QR code scanned, present a loyalty card (d-point, Ponta, etc.). This adds another 0.5% to 1.0% on top, finalizing your “triple-dip” transaction.