What is a Cashback Card?

Respend your money all over again.

What is a Cashback Card?


Respend your money all over again.

What is Cashback?

Cashback is a Credit Card benefit that allows you to earn money back for each purchase made with the relevant Card.

What is a Cashback Card and how does it work?

A Cashback Card is a credit card with a difference – for every dollar you spend you get a percentage of it back, as a statement credit to your Card Account.


It’s like getting a small rebate on every eligible purchase.


Here’s an example: if you have a 1% Cashback rate and spend $2,000 in a month, you’ll earn $20 Cashback, which will appear on your monthly statement.

How does the American Express CashbackTM Card work and what are the benefits?


  • Earn Cashback on your everyday spend

    The American Express CashbackTM Credit Card gives you 1% Cashback per $1 spent on all purchases, except at government bodies in Australia where you will earn 0.5% Cashback per $1 spent.1

  • Lots of ways to earn

    Earn Cashback on everything from groceries and regular bills to petrol and public transport. There’s no cap on the amount of Cashback you can earn, as long as your Account is current and in good standing. So, it makes sense to use your Card everywhere you can.

  • More Cards, more Cashback

    Add up to 4 Additional Card Members and earn Cashback on their spend.2

The American Express CashbackTM Credit Card

Earn up to 6% Cashback including:


  • 5% bonus Cashback on spend for new Card Members for the first 3 months, up to $200 Cashback3
  • 1% standard Cashback1 on purchases (0.5% Cashback on government spend)

Low $10 monthly fee


  • Enjoy a wide range of American Express benefits and offers. Explore them here.


  • Get a BINGE Basic subscription on us, valued at $10 a month. With new stuff added daily BINGE is packed with the world's best shows, the biggest dramas, plus comedy, reality, crime, docos, movies and more.4

Insurance included


  • Enjoy Smartphone Screen Cover, as well as Card Purchase and Refund Cover5

Up to 55 days interest free


  • Enjoy more time with up to 55 days to pay for purchases before incurring interest.6 
  • The interest rate is 20.74%.7