SMAC Points and Membership Information

How do I earn SMAC points?

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

I spent less than the minimum required amount of P200. Will I still earn points?

There is no minimum purchase required to earn SMAC points. 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 seven (7) to ten (10) days for points and transactions to be reflected on your account.

How can I check my SMAC points balance?

  • Visit any Cashier Counter of SM Retail Partner establishments.
  • You may download the new SMAC mobile app or visit to keep updated your points balance and many other SMAC benefits you are eligible to enjoy.

Will my SMAC points expire?

Yes. SMAC points expire if your account is not renewed within 3 months from its validity date.

How can I redeem my points?

SMAC points, like cash, can be used to pay for your purchases at any SM Retail Partner. No minimum balance required to start using those SMAC points like cash.

Can I transfer my SMAC points?

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

How do I transfer points?

Download the mobile app or visit to transfer your points.

Do transferred points expire?

Yes, they expire like regular points.

How can I update my membership information?

You may update your membership information through the mobile app or by visiting

I just changed my marital status. How do I apply for a new card with my new surname on?

You may update your membership information through the mobile app or by visiting
You can also visit the Customer Service Counter at any branch of The SM Store and present a valid ID reflecting both your old and new surnames. A replacement fee of P80 is required.

How do I create an online account?

To create an online account, register at or download the new SMAC mobile app for free from any Apple Store, Google Play Store, or Huawei AppGallery.

How do I change or reset the email or password I used to create my account online?

To change or reset your email and/or password, visit or download the new SMAC app.