Best Cashback Apps Australia 2026
Earn real money back on purchases you're already making. We've tested every major Australian cashback platform to find the ones that actually pay out — reliably and generously.
$300+
Potential Annual Cashback
4,000+
Stores (ShopBack alone)
Up to 30%
Cashback Rate
$0
Cost to Join
How Does Cashback Work?
Cashback is refreshingly simple: when you shop through a cashback platform, they receive a referral commission from the retailer. Instead of keeping the entire commission, they share a percentage of it with you — the shopper. It's genuinely free money on purchases you were already going to make.
Sign up for a cashback app (free)
Click through to the retailer via the app
Shop and pay as normal
Receive cashback in your account
Important: Most cashback takes 30-90 days to become "confirmed" and withdrawable. This is because retailers have return windows — the cashback platform needs to confirm you didn't return the item before they pay you.
Best Cashback Apps for Australians in 2026
1. ShopBack
TOP PICKShopBack is one of Australia's largest and most established cashback platforms, offering cashback from 4,000+ stores including The Iconic, Booking.com, Myer, Cotton On, and many more. Their browser extension makes it especially convenient — a small pop-up appears whenever you visit a partnered store, reminding you to activate cashback before you buy.
ShopBack has grown to become the leading standalone cashback platform for Australian shoppers, competing alongside Cashrewards and bank-linked programs. Their rates are competitive, payouts are reliable, and the app is well-designed and easy to use.
Cashback Range
1-30%
Stores
4,000+
Min. Withdrawal
~$10
Payout Method
Bank transfer
Standout features:
Browser extension for automatic activation
In-store cashback via linked cards
Gift card purchases for bonus cashback
Regular "upsized" cashback promotions
2. CommBank Yello
BANK CASHBACKIf you bank with CommBank, the Yello rewards program gives you automatic cashback at selected retailers when you pay with your CommBank card. No clicking through — the cashback is applied automatically based on your card transactions. Typical discounts run around 5–20% at participating restaurants, fashion retailers, and lifestyle brands (specific offers vary and change regularly; check the CommBank app for current partners).
Cashback Range
5-20%
Stores
Selected partners
Min. Withdrawal
Auto-applied
Payout Method
Account credit
3. Qantas Shopping
POINTS CASHBACKFor Qantas Frequent Flyer members, Qantas Shopping is a powerful way to earn bonus points on everyday online purchases. You earn Qantas Points instead of cash, but if you're saving for flights, the value can be just as good — or better. Typical everyday rates are 1–5 points per dollar, with selected promotions reaching up to around 10 points per dollar at certain retailers.
Reward Type
Qantas Points
Stores
500+
Points Rate
Up to 10/$
Payout Method
Qantas Points
4. Raiz Rewards
INVEST CASHBACKRaiz is a micro-investing app that rounds up your spare change and invests it. Their Rewards program partners with hundreds of brands to give you cashback that's automatically invested for you. Shopping at Woolworths online, The Iconic, or Uber Eats? Your cashback goes straight into your investment portfolio. Note: Raiz charges an ongoing account fee (around $4.50/month on some plans); check Raiz for current pricing before signing up.
Cashback Range
1-10%
Stores
Hundreds
Cashback Paid As
Auto-invested
Payout Method
Auto-invested
5. Everyday Rewards Extra
GROCERY CASHBACKFor Woolworths shoppers, the Everyday Rewards Extra subscription ($7/month) gives you 10% off one shop per month — which easily pays for itself on a single $70+ grocery run. Combined with Boost offers and partner earning, it's one of the most effective cashback tools for everyday spending. See current Woolworths deals and offers.
Savings
10% off/month
Cost
$7/month
Partners
Woolworths Group
Payout Method
Points → $ off
Cashback Apps Comparison Table
| App | Type | Cashback Rate | Min. Withdrawal | Cost |
|---|---|---|---|---|
| ShopBack | Online cashback | 1-30% | $10 | Free |
| CommBank Yello | Card-linked | 5-20% | Auto | Free* |
| Qantas Shopping | Points-based | 1-10 pts/$ | N/A | Free* |
| Raiz Rewards | Investment cashback | 1-10% | Auto-invested | See Raiz† |
| Everyday Extra | Grocery discount | 10%/month | Auto | $7/month |
* Requires existing bank account or Frequent Flyer membership. † Raiz charges a tiered account fee; check Raiz for current pricing. All rates and figures subject to change — verify with each platform before use.
How to Maximise Your Cashback Earnings
Stack Multiple Platforms
Use a cashback app + coupon code + rewards credit card on the same purchase. Example: ShopBack cashback (5%) + FreeStuff coupon (10% off) + credit card rewards (1%) = 16% total savings. Check our coupons page for codes to stack.
Compare Rates Between Apps
Different apps offer different rates for the same store. Before a big purchase, check ShopBack vs Qantas Shopping vs Raiz to see who has the highest rate. The difference can be significant — 3% vs 8% on a $500 purchase is $25.
Wait for Upsized Cashback Events
Cashback platforms regularly run "upsized" or "double cashback" promotions, especially around sales events like Black Friday, EOFY, and Click Frenzy. A store that normally offers 3% might temporarily offer 10-15%.
Buy Gift Cards for Extra Cashback
Some platforms offer cashback on gift card purchases. Buy a Woolworths or Uber Eats gift card through ShopBack at 5% cashback, then use it to pay for your normal shopping — free savings you wouldn't otherwise get.
Pro tip: Install the ShopBack browser extension. It automatically detects when you're on a partner site and reminds you to activate cashback — no more forgetting to click through.
Common Cashback Mistakes
Forgetting to Click Through
The number one mistake. You must start your shopping session from the cashback app/extension. Going directly to the retailer's website means no tracking and no cashback. Browser extensions solve this problem.
Using Ad Blockers
Some ad blockers interfere with cashback tracking cookies. If your cashback isn't tracking, try disabling your ad blocker for the retailer's site or whitelist the cashback platform's domain.
Applying Coupon Codes That Override Cashback
Some coupon codes cancel cashback tracking because they override the referral cookie. If you're unsure, check the cashback app's terms — many list which codes are compatible and which aren't.
Not Filing Missing Cashback Claims
Sometimes cashback doesn't track properly. All major platforms have a "missing cashback" claim feature. If your purchase tracked but cashback didn't appear, file a claim within 30 days — many legitimate claims are resolved in your favour, though outcomes vary, so don't rely on it as a fallback.
Cashback Quick Start Checklist
Sign up for ShopBack (free, 2 minutes)
Install the ShopBack browser extension
Compare rates on ShopBack vs Qantas Shopping before big purchases
If you bank with CommBank, activate Yello for automatic cashback
Always click through before shopping online
Stack cashback with coupon codes for maximum savings
Find More Ways to Save
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