A method and system for using a frequent shopper card as a phone calling card including (a) issuing a transfer certificate with a predetermined phone time and having a first personal identification number, at a terminal; and (b) adding the predetermined phone time to an account, associated with the frequent shopper card having a second personal identification number, based on the first personal identification number, at a server. The server includes a memory containing a data structure for storing information relating to using the frequent shopper card as a phone calling card. The memory includes fields which store the account information associated with the frequent shopper card, and fields which store the first and second personal identification numbers. A computer program product includes a computer storage medium having a computer program code mechanism embedded in the computer storage medium for causing a computer to allow the frequent shopper card to be used as a phone calling card. The computer program code mechanism includes a first code device configured to issue the transfer certificate with the predetermined phone time, at the terminal; and a second code device configured to add the predetermined phone time to the account, at the server.