Simply swiping a card or paying cash is a massive lost opportunity. By tweaking your payment routine, you can score a “triple-dip” on points. We outline how to execute this at convenience stores and pharmacies.

How Triple-Dipping Works

Step 1: Present a Loyalty App/Card

Before paying, show a loyalty barcode (d-point, Ponta, Rakuten, etc.).

• Yield: Store loyalty points (0.5% to 1.0%).

Step 2: Pay with a Smartphone Wallet

Utilize a smartphone app (like Rakuten Pay or d払い) funded by card balance.

• Yield: App payment points (0.5% to 1.0%).

Step 3: Fund via High-Yield Credit Card

Earn points when using your card to top up the mobile wallet balance.

• Yield: Card top-up rewards (0.5% to 1.0%).

Real Example: Rakuten Pay at 7-Eleven

1. Show Rakuten Point Card: Earns 0.5%.
2. Scan Rakuten Pay QR: Earns 1.0% from balance payment.
3. Top Up with Rakuten Card: Earns 0.5% on top-up.

• Total return rate: A permanent 2.0% return on every checkout.