What's my verdict?
Appearance-wise, Globe G-Cash does have the better card. I actually had a good time designing my card. G-Cash cards can be used to withdraw funds from any Megalink ATM. The Smart Money card, on the other hand, can be used in BDO, Expressnet, and Megalink ATMs.
Nevertheless, it all boils down to the one that has the lower ATM transaction fee. For me, that would be Smart Money. I withdrew money once (which was only around Php 4,000) using my G-Cash Card from a Megalink ATM and 20 pesos was deducted from my account. When I withdraw using my Smart Money card, only Php 2.50 is deducted from my account for every transaction. By the way, the maximum amount per withrawal in any BDO ATM is Php 4,000. Even if I withdraw Php 10,000 from BDO ATMs, that would only cost me Php 7.50 in transaction fees.
I only used my G-Cash card once and I think I won't be using it until Globe lowers its transaction fees.
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