COMMENT:

Take the money. Kiwis love collecting Fly Buys, Airpoints rewards, hotpoints, True Rewards and others.

Yet points aren't free money. You've earned them. Now spend them wisely.

The idea that we assign different buckets according to where the money came from is a fallacy. If you want to make the most of your points take them in cash (or petrol/grocery vouchers).

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Do the maths. Do you know how many points you get per dollar of spend and how much each point is worth? Making a purchase decision because the retailer offers Fly Buys or Airpoints, can be a bad

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