Rewards are paid as cashback in currency to the account, on the first working day of each month. Not points, not a conversion table, not a catalogue.
Points schemes, expiry dates and redemption minimums are the three mechanisms that make most reward programmes worth materially less than their advertised rate. None of them are here.
What it gives you
Currency, not points
Credited as money to your balance, spendable the moment it lands.
No expiry, no minimum
Nothing lapses and nothing has to accumulate before you can use it.
One rate, all merchants
No rotating categories to activate each quarter.
What is included
- Cashback on all eligible spend
- Credited monthly in your account currency
- No expiry and no redemption minimum
- No merchant categories to activate
- Rate stated per plan, not per campaign
- Full earning history in the app
Who it is for
Metal and Reserve members who would rather have money than a catalogue.
Questions
Card purchases. Cash withdrawals, transfers and currency conversion do not earn cashback, and the app marks which is which.
The first working day of each month, for the previous month's eligible spend.