Cashback Credit Cards

Free money! Now that we’ve got your attention, learn about cashback credit cards.

Cashback offers and promotions are an enticing proposition for rewards chasers. Who doesn’t like a free lunch? Cashback credit cards can work a couple of different ways: Either get a percentage of your total spend as cash back at the end of the month, get a one off cashback payment when you enter into a special promotion, like a balance transfer, or convert your rewards points to cash. Just remember to pay your credit card balance otherwise you’ll be unnecessarily giving ‘cash back’ to your credit card provider. Here’s how to make a cashback credit card work for you.

Compare Cashback Credit Cards

Rates last updated February 9th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
Virgin No Annual Fee Credit Card
$100 cashback and a no annual fee card with balance transfer offer. Spend criteria applies for cashback offer.
VISA/MC: 0 AMEX: 0 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
Receive a $100 Gift Card with a $0 annual fee for the first year if you apply before 31 March 2016. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 rewards points per $1 spent.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
Citi Simplicity Card
Enjoy 5% cashback (up to $500) on your payWave purchases under $100 made for the first four months, a low balance transfer offer and no annual fee, plus enjoy free bottles of wine from Citibank Dining Program. Offer ends on 31 March 2016.
0 months VISA/MC: 0 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info

Compare Credit Cards with Rewards Program that allow you to redeem points for Cashback

Rates last updated February 9th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
Bankwest More Gold MasterCard
Earn 15,000 bonus More Rewards points. Earn 1.50 rewards points for every $1 spent.
15,000 bonus points VISA/MC: 1.5 AMEX: 0 19.99% p.a. 2.99% p.a. for 9 months $120 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
ANZ Rewards Platinum
Pay no annual fee for the first year, receive 50,000 Reward Points when you spend $2,500 on purchases within the first 3 months, and earn up 3 for every dollar spent on purchases.
50,000 bonus points VISA/MC: 1.5 AMEX: 3 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy 0% p.a. for 18 months and a long purchase rate offer plus a host of platinum privileges, plus earn 60,000 bonus points on your first period and up to 1.25 Citi Reward points for every $1 spend.
60,000 bonus points VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 18 months $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Signature
Receive 75,000 bonus rewards points on eligible spend. A range of complimentary insurances.
75,000 bonus points VISA/MC: 1.5 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Bankwest More MasterCard
Earn 8,000 bonus More Rewards points. Plus earn 1.50 points for every dollar you spend.
8,000 bonus points VISA/MC: 1.5 AMEX: 0 19.99% p.a. 2.99% p.a. for 9 months $70 p.a. Go to site More info
Bankwest More Platinum Mastercard
Enjoy all the extra special benefits including complimentary overseas travel insurance and emergency travel assistance 24/7 with no foreign transaction fees.
80,000 bonus points VISA/MC: 2 AMEX: 0 19.99% p.a. 2.99% p.a. for 9 months $140 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you meet the spend requirement, 0% p.a. for 6 months on balance transfers and annual fee for the first year.
50,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $299 p.a. Go to site More info
Citi Prestige Card
Enjoy a balance transfer offer with 0% p.a. for 6 months and earn up to 70,000 bonus points.
70,000 bonus points 2 20.74% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
VISA/MC: 1 AMEX: 1.5 20.24% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
ANZ Rewards Credit Card
Pay no annual fee for the first year, get 25,000 bonus Reward Points when you spend $2,500 on purchases within the first 3 months, and earn 2 points per dollar spent.
25,000 bonus points VISA/MC: 1.5 AMEX: 2 18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and up to 55 days interest free with complimentary international travel insurance.
VISA/MC: 1 AMEX: 2 20.24% p.a. 5.99% p.a. for 5 months $119 p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
80,000 bonus points VISA/MC: 1 AMEX: 2.5 20.24% p.a. 5.99% p.a. for 5 months $249 p.a. Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
80,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. 5.99% p.a. for 5 months $349 p.a. Go to site More info

Compare debit cards with cashback on purchases

Rates last updated February 9th, 2016
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Citibank Plus Everyday Account
Enjoy 5% cash back on Visa payWave purchases (conditions apply)
Free international money transfers and free overseas Citibank ATM withdrawals
Visa $0 $0 No ATM fees using Citibank, Westpac, BankSA and St.George branded ATMs in Australia. Use overseas Citibank ATMs for free. Open More
ING DIRECT Orange Everyday Account
Get up to 2% cash back on Visa payWave purchases.
Use any ATM in Australia for free (conditions apply).
Visa $0 $1,000 No monthly fees, and you can use any ATM in Australia for free when you deposit $1,000 each month e.g your salary. Open More
HSBC Day to Day Transaction Account
Receive up to 5% cash back on all payWave purchases under $100.
Your Visa debit card unlocks special privileges worldwide with the HSBC home&Away Privilege Program.
Visa $0 $0 No ATM fees at over 3,000 HSBC, Westpac, St.George, Bank of Melbourne and BankSA ATMs. Open More

Compare Credit Cards with gift cards or vouchers as part of their rewards program

Rates last updated February 9th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points and 3 points on every $1 spent. Enjoy 0% p.a. for 12 months on balance transfers and a complimentary domestic return flight every year.
10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
Receive a $100 Gift Card with a $0 annual fee for the first year if you apply before 31 March 2016. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 rewards points per $1 spent.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
BankSA Amplify Classic
The BankSA Amplify is a brand new rewards credit card that allows you to earn more Qantas Points combined with purchase and balance transfer offers.
1 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
St.George Amplify Classic
A low interest rate on balance transfers of 0% p.a. for 18 months.
VISA/MC: 1 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info
BankSA Amplify Signature
Enjoy an introductory offer on purchases and a long term balance transfer offer.
VISA/MC: 1.5 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 20 months $279 p.a. Go to site More info
ANZ Rewards Credit Card
Pay no annual fee for the first year, get 25,000 bonus Reward Points when you spend $2,500 on purchases within the first 3 months, and earn 2 points per dollar spent.
25,000 bonus points VISA/MC: 1.5 AMEX: 2 18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Enjoy a generous earn rate, plus the ability to tailor your rewards with your choice of rewards programs.
1 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
St.George Amplify Signature
Low interest rate offer on purchases. Also get a low 0% p.a. for 20 months on balance transfers.
VISA/MC: 1.5 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 20 months $279 p.a. Go to site More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and up to 55 days interest free with complimentary international travel insurance.
VISA/MC: 1 AMEX: 2 20.24% p.a. 5.99% p.a. for 5 months $119 p.a. Go to site More info
ANZ Rewards Platinum
Pay no annual fee for the first year, receive 50,000 Reward Points when you spend $2,500 on purchases within the first 3 months, and earn up 3 for every dollar spent on purchases.
50,000 bonus points VISA/MC: 1.5 AMEX: 3 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
80,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. 5.99% p.a. for 5 months $349 p.a. Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points and earn up to 3 points per dollar spent. Gain access to travel insurance, $200 Platinum Travel Credit every year and access to 700 VIP airport lounges.
100,000 bonus points VISA/MC: 0 AMEX: 1 $1,200 p.a. Go to site More info
NAB flybuys Rewards Card
Receive up to 30,000 bonus flybuys points for eligible purchases. Plus a low offer on balance transfers. Apply by 30 April 2016.
30,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 4.99% p.a. for 6 months $95 p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
80,000 bonus points VISA/MC: 1 AMEX: 2.5 20.24% p.a. 5.99% p.a. for 5 months $249 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
VISA/MC: 1 AMEX: 1.5 20.24% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
ANZ Platinum Credit Card
A low interest rate offer on balance transfers with a $0 annual fee for the first year.
VISA/MC: 0 AMEX: 0 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

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What are the best cashback credit cards*?

There are many different types of credit card rewards. Some credit card providers reward you with frequent flyer points, some offer points in a specific rewards program, like Woolworths Everyday Rewards or Commonwealth Bank points, and some just give you cash as an incentive for spending on your credit card.

A cashback credit card does what the name suggests: you get cash back when you spend on the credit card. Some provider also give you cash back when you take up a special promotional offer, like a balance transfer.

How do cashback cards work?

There are three ways you can earn cash back on your credit card purchases:

  1. Cash back via a credit card rewards program. You’ll need to manually redeem your points for cash back with this option.
  2. Instant cash back when you make an eligible credit card purchase. For example, say you make a credit card purchase of $1000 and there is a 2% cashback promotion, the credit card provider gives you $20 back.
  3. Cash back when you take up a promotional offer. Some products have a special promotion, like a balance transfer offer, you get cash back or a cash equivalent gift when you take up the deal.

For instant cash back and cash back via rewards, cash back is only given when you make an eligible credit card purchase. Transactions like cash advances are ineligible for cashback rewards. Check the credit card’s terms and conditions for a full list of transactions ineligible to earn rewards.

How can I compare cashback credit cards?

One way to compare credit cards which offer cashback rewards is to work out how many points you’ll earn each year, and how much this equates to in cashback value.

If you will spend $30,000 on your credit card in one year, and have a platinum card which earns an average of 1.5 points per dollar spent, you’ll earn 45,000 points.

Say your program allows you to trade 45,000 points for $150 worth of cashbacks. This equates to 300 points per $1 of value, and is one way to compare other cards—by working out how much it would cost to earn the same $150 of rewards value.

Remember that the annual fee needs to be subtracted from this final value to work out the true payoff of any rewards card. Say the annual fee is $90, this means 45,000 points will actually only net you $90 of rewards value. This is another way of comparing the value of a cashback card.

The important things to remember:

  • Know how much you plan to spend on the card.
  • Pay off the entire balance at the end of the month. Cash back means very little if you’re accruing interest on your purchases.
  • What’s the product’s annual fee. You have to spend more on a card with a high annual fee before the value of the rewards is greater than the cost to own the product.
  • Also remember to compare the cashback offer against other credit card rewards options. Perhaps converting points to gift vouchers will give you a better return.

There’s more than a bit to think about before you enter into the world of cashback and credit card rewards. Do your due diligence and compare cashback credit cards so they don’t end up costing more than they’re worth.

How can I make money with a Cashback card?

You’re probably wondering how much money you can actually make with a Cashback Credit Card. Consider the following:

  • Total spend. You only get back what you put in. Your total eligible spend will dictate the cashback return, unless there’s a cap.
  • Rewards cap. Does the credit card provider have a cap on the number of rewards points you can earn in a month, or is there a limit on the value of cash back you can get. This information is available in the product’s fine print and on our credit card review and application pages.
  • Ineligible transactions. Also consider the type of purchases you’ll make on your card. Not all transactions are eligible for cash back. Cash advances, paying some bills and paying credit card fees and charges are considered ineligible transactions. Gambling purchases are also ineligible to earn cashback rewards.

The general rule is that Australian cashback customers can earn up to 1.4% cash back, after the annual fee is deducted, as a percentage of purchases according to analysis from Credit Card Finder.

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 What are the advantages and drawbacks of cashback credit cards?

This may help you decide whether a cashback credit card is the right type of credit card for you.

Pros

    • Money in your pocket. Every time you spend you’re getting something back. Every return in value is a bonus, no matter how small.
    • It’s not just about the cash. Most credit cards with a cashback rewards program also have free goodies on offer like insurance, a concierge service and some even offer complimentary passes to airport lounges too.
    • Don’t like cash back? Some credit cards that offer cash back when you make an eligible purchase also offer other ways to get rewarded. If cash back isn’t your thing, you may be able to accrue rewards points that can be used for gifts, gift cards or flights.

Cons

  • The annual fee. Credit cards with cashback rewards generally charge a higher annual fee than low rate credit cards. Make sure your annual spend is high enough so the value you get back from the rewards is higher than the annual fee.
  • Rates of interest. These cards do offer interest-free days on purchases. But this is only if you pay your balance off in full each month. Rewards credit cards generally have a high purchase rate of interest. If you don’t pay off your balance, this type of credit card will cost you more than a low rate of low fee product.
  • Points cap. Some of these cards have a cap on the number of rewards points you can earn or a cap on the value of cash back you can receive over a period of time.
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What else should I take into consideration?

  • Balance transfers. Excluding cashback credit cards that offer an incentive for carrying out a balance transfer at the time of application, it’s not a good idea to get a cashback credit card when you want to do a balance transfer. A balance transfer often voids any interest-free days on the credit card, meaning interest is charged right away. Interest charges are sure to negate any rewards value. Go for a balance transfer credit card instead. If you really want the cashback rewards, you can always have two credit cards. One for the balance transfer balance and one for earning cashback. Some balance transfer credit card also don’t charge an annual fee.
  • Annual spend. Most cashback credit cards charge an annual fee. If the product is a no annual fee cashback credit card then great, any spend on the product is an instant bonus. However, if the card does charge an annual fee, you need to make sure you spend enough on the card so the return value of the rewards is greater than the cost of owning the credit card.
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How to apply and use a cashback credit card

Nearly all credit card applications can be completed online. Once you’ve compared products, and you’re ready to apply, follow the application links on our cashback credit cards review and application pages. You’ll be directed to a secure online application on the credit card provider’s website. Make sure you have the right information on hand to complete the application. You can read up about all the documents you need to complete the application on our review pages.

You should have a response shortly after you complete the credit card application and submit any additional information. Once full approval has been granted you can elect to pick your card up from a branch or you can have it sent to you in the mail, usually within a fortnight.

Cashback is a nice bonus for spending on your credit card. But don’t let the bonus go to the bank. Make sure you pay off your card in full each month to avoid interest charges and if the card has an annual fee,  spend enough on the card to get out of the red.

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Frequently asked questions

How can I find out more about a cashback credit card?

If you have any questions about a cashback credit card that we have not answered on this page, or the product review pages, ask us a question using the form at the bottom of the article and a member of the finder.com.au will be in touch to assist you with your question.

How much cash can I expect to get back when I spend?

While the cashback rate varies from product to product, a general rule of thumb for cashback returns is somewhere between 1 and 2% of the total value of the transaction. This figure can jump up when you look at merchant and retailer bonus cashback rewards schemes.

Can I use cashback to pay the annual fee or my credit card debt?

The good news is yes, you can generally put the cashback rewards to pay the products annual fee or the outstanding balance of a credit card. It’s your cash, you can use it how you want.

Where can I find out more about cashback and rewards points capping?

We include all relevant information about cashback and rewards points capping on our cashback credit card review and application pages. Read our product reviews for an overview of the features, benefits and

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* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from. ‘Best and ‘Top’ are ratings which are subject to our consideration and is not rated against all Australian credit cards. We recommend you take this information into account when comparing credit cards.

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4 Responses to Cashback Credit Cards

  1. Default Gravatar
    Nat | September 30, 2014

    Can i transfer several card balances of under $5 each onto to 1 of these single prepaid woolworths money cards plz?

    • Staff
      Elizabeth | September 30, 2014

      Hi Nat,

      Thanks for your question.

      This will depend on whether all of these cards are yours or not. It might be best to get in contact with Woolworths directly to see if this will be possible with your account.

      Thanks,

      Elizabeth

  2. Default Gravatar
    ann | April 7, 2014

    How do I redeem money for cash back? I paid for my PC on my Westpac credit card.

    • Staff
      Jacob | April 7, 2014

      Hi, Ann.

      I’m not sure I understand the question. Can you please elaborate on what you’re looking for and the product you used to make the purchase. ‘

      Thanks for your question.

Credit Cards Comparison

Rates last updated February 9th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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