its a points back, meaning they credit you 20% after you redeem. makes no difference unless you have limited pointsDon't understand.
The $10 qoo10 gift card need 4850 points to redeem. 4850 is equivalent to $9.70. So cheaper by 30 cents only. Where got 20% ?
Likewise the $5 off with Grabpay online need 2500 points. That is equivalent to $5 exact. Why would anyone bother to redeem it ?