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Cash back offers: Bank accounts and products with cash back

There are a bunch of different bank accounts, credit cards and home loans that are offering cash back to new customers right now.

Name Monthly fee Govt. Guarantee Own network ATM fee Card type
HSBC Everyday Global Account
Finder AwardApple Pay Google Pay10 Currencies
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Earn 2% cashback on tap and pay purchases.


Westpac Choice
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay Digital Card
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
NAB Classic Banking with Platinum Visa Debit Card
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$10
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Complimentary travel insurance and cashback on tap and go purchases
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Showing 3 of 3 results

What is a cash back incentive?

Cash back incentives are becoming an increasingly popular way for lenders and financial providers to attract new customers to their products. You can receive a cashback incentive for credit cards, transaction and savings accounts, home loans and financial package deals. Different lenders have different incentives on offer, some requiring you to sign up for new products to qualify.

A cash back incentive is basically what it sounds like—you receive cash back into your account after you apply for a financial product and your application is accepted. Sometimes providers also waive fees or charges with these offers, making them even more attractive to new customers.

A cash back incentive is a great offer because it allows you to spend the money how you like. However, there are usually some things you need to do to be eligible for the cash back. For example with a bank account cash back offer, you usually need to make a certain number of transactions within the first month or so of opening the account. Taking advantage of cash back incentives are another way to help get more out of a product or service and possibly help save money.

Credit cards with cash back incentives

Credit cards are one of the most popular products that providers offer cash back incentives with. They are sometimes offered in conjunction with low purchase rates, balance transfer rates or other discounted rates or fees. These offers are usually for a limited time only and require you to apply for the card by a certain date.

When considering these credit cards remember to check the fees and rates before you sign up. A good idea is to calculate the fees and interest you will be paying and decide whether the cash back offer is worth it. Remember to compare your options online before you settle on a card.

Compare credit cards with signup cash back offers

1 - 2 of 2
Name Product Cashback Rewards program Purchase rate p.a. Annual fee
Westpac Low Rate Card - Cashback Offer
$350
N/A
13.74%
$59
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
St.George Vertigo Card - Cashback Offer
$400
N/A
13.99%
$55
Get up to $400 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
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Home loans with cash back incentives

The amount of cash on offer with a home loan cashback deal is usually much higher than what you receive with credit cards or other financial product. This is because a home loan is a much bigger commitment, and a bigger ongoing cost overall. Some lenders offer you gift cards worth thousands of dollars or give you cash when you settle.

Remember that selecting a home loan is a big decision and one that will be with you for a significant amount of time. You should consider cash back incentives for home loans as they are intended: a bonus. You need to consider interest rates, fees and the flexibility of the loan to see if it's suitable for your financial needs first.

Home loans currently offering bonus incentives or cash back

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1 - 20 of 21
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest20% min. depositOwner-occupier$150k+
Interest Rate
6.07%
Comparison Rate
6.09%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$907
Enquire now
Refinancers can get $2,000 cashback for loans above $400k, or $3,000 cashback for loans above $700k. Other conditions apply.
Principal & Interest20% min. depositInvestment
Interest Rate
6.74%
Comparison Rate
6.74%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$973
Enquire now
$2,000 cashback
Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
Principal & Interest10% min. depositOwner-occupier
Interest Rate
6.59%
Comparison Rate
6.60%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$958
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Interest Rate
6.59%
Comparison Rate
7.27%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$958
Enquire now
$2,000 cashback
Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
Principal & Interest 1Y FixedOwner-occupier
Interest Rate
6.59%
Comparison Rate
7.73%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$958
Enquire now
$2,000 refinance cashback
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest20% min. depositOwner-occupier
Interest Rate
6.54%
Comparison Rate
6.54%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$953
Enquire now
$2,000 cashback
Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
Principal & Interest20% min. depositOwner-occupier
Interest Rate
6.04%
Comparison Rate
6.05%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$905
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
Interest Rate
6.54%
Comparison Rate
7.10%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$953
Enquire now
$2,000 cashback
Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
Principal & Interest 3Y Fixed10% min. depositOwner-occupier
Interest Rate
6.64%
Comparison Rate
7.21%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$963
Enquire now
$2,000 cashback
Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
Interest onlyInvestment
Interest Rate
6.89%
Comparison Rate
6.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$988
Enquire now
$2,000 refinance cashback
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 1Y Fixed20% min. depositOwner-occupier
Interest Rate
6.59%
Comparison Rate
7.73%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$958
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest20% min. depositOwner-occupierOffset account
Interest Rate
6.13%
Comparison Rate
6.47%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$913
More Info
$2,000 refinance cashback offer
Eligible refinancers who apply online and borrow $250K+ (LVR 80% or lower) can get a $2,000 cashback. Terms and conditions apply.
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
Interest Rate
6.79%
Comparison Rate
7.72%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$978
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 2Y FixedOwner-occupier
Interest Rate
6.49%
Comparison Rate
7.62%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$948
Enquire now
$2,000 refinance cashback
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & InterestOwner-occupier
Interest Rate
6.29%
Comparison Rate
6.30%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$929
Enquire now
$2,000 refinance cashback
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest20% min. depositOwner-occupier
Interest Rate
6.29%
Comparison Rate
6.30%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$929
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest10% min. depositOwner-occupier
Interest Rate
6.34%
Comparison Rate
6.35%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$934
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 4Y FixedOwner-occupier
Interest Rate
6.49%
Comparison Rate
7.45%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$948
Enquire now
$2,000 refinance cashback
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 4Y Fixed20% min. depositOwner-occupier
Interest Rate
6.49%
Comparison Rate
7.30%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$948
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 4Y Fixed20% min. depositOwner-occupier
Interest Rate
6.49%
Comparison Rate
7.45%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$948
Enquire now
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
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Showing 20 of 21 results

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