SMAC Points

How do I earn SMAC points?

Present your SMAC to the cashier before any purchase transaction at SMAC partner brands.

Is there a minimum purchase amount required to earn SMAC points?

No, just present your card at the cashier to earn SMAC points.

How long does it take for points to be credited to my account?

It takes fifteen (15) working days after transaction date for points to be reflected on your account.
Your transaction history may be viewed via the SMAC website and SMAC mobile app.

How do I check my SMAC points balance?

Download the SMAC mobile app or visit to keep updated on your points balance and many other SMAC benefits you are eligible to enjoy or you may visit a Cashier Counter at any SM Retail Partner establishment.

How do I redeem my points?

SMAC points can be used to pay for your purchases at any SM Retail Partner establishment.
No minimum amount required to start using those SMAC points.

Will my SMAC points expire?

Your SMAC points will not expire as long as there is 1 (one) valid earning or redemption activity within the evaluation period.  The points forfeiture evaluation period is from January to December of each year.

Unused points subject to forfeiture can still be redeemed until March 31 of the following year.  By April 1, points subject to expiry will be forfeited.

Can I transfer my SMAC points?

Yes, you can transfer your points to another SMAC Start, SMAC or SMAC Prestige account

How do I transfer points?

Download the SMAC mobile app or visit to transfer your points.

Do transferred points expire?

Yes, they expire like regular points.