The number of membership discount cards that we hold these days is simply amazing. Some are even in electronic form. I couldn't help noticing how I was reaping multiple layers of discounts when I was shopping at a mall recently. I bought dinner at the Food Junction food court. They now have a discount cash card which you can buy from their drink stall. Aside from using the pre-paid (top-up) cash card to pay for the food at the stalls, the same card offers a discount from those food stalls. I could do likewise for expenses at the Ajisen outlet, where I also have a Japan Foods member discount card for use at Ajisen. The membership card came free when I owned shares of Japan Foods. And if the payments are made using the Citibank Dividend Card, or POSB Master Card, there are further cash back from the credit cards......