Koi Card or Shopback pay?

I did the calculations, the average koi card rewards (as a silver tier member) gives a return of about 7% when purchasing other koi products. by absolute terms koi card is still provides better returns compared to the 3% of shopback.

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best voucher to purchase for koi is actually the free toppings at 15 leaves for any topping of any size. so it has the value of about 1 dollar. considering u still get about 4 leaves from ur drink. that makes it like 1 dollar per 11 leaves which rounds to about a 9% "cashback".

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what I'm curious about now is whether u can use shopback to top up ur koi card so u get to enjoy the 3% cashback from them while enjoying the koi card perks. but I think by the time you save significant amounts of money u would also have diabetes prolly

Shopback definitely

I will use shopback pay only because I can pay using my credit card and earn cashback.

Shopback. The reason is simple: Shopback allows you to withdraw the cashback to cash.