How to Earn Cashback with PayNow and Kris+ QR Payments

Alevin Chan

Alevin Chan

Last updated 21 May, 2024

PayNow transfers and Kris+ QR payments can earn you cashback if you pair them with Google Pay or Apple Pay. Here’s how you can get cashback when splitting the dinner bill with friends.  

PayNow and Kris+ offer quick and convenient payments by scanning QR codes. But did you know you can earn cashback when making QR code payments? 

You’ll need to set some things up beforehand, but once done, you’ll be able to earn cashback every time you tap open your Camera app at the counter. 

Table of contents:

How to earn cashback with PayNow 

To earn cashback with PayNow, you will need to have a Google Pay account. 

Google Pay is offering weekly rewards in the form of digital scratch cards that you can receive in return for making certain transactions. Specifically for PayNow, these are:

  • PayNow peer transfer of at least S$10
  • PayNow in-store QR code or UEN payment of at least S$3

Both of these rewards are valid till 31 May 2024. 

How to use PayNow with Google Pay

Step 1: Download and install Google Pay. You will be prompted to opt in for Offers and Rewards. You must agree to this in order to be eligible for cashback.

Step 2: Tap your profile picture in the top right.

Step 3: Tap “payment methods” and go to PayNow.

Step 4: Follow the on-screen instructions to link your PayNow to Google Pay.

Step 5: Once done, go back to “payment methods” by tapping on your profile picture on the top right again.

Step 6: Go to “Send money” to link your bank account. You can link a DBS PayLah!, OCBC, or SCB mobile banking account. If you do not have any of these three bank accounts, you can set them up first before returning to Google Pay to complete the linking. 

Step 7: Go back again to “payment methods”. This time, tap “Pay businesses” to add a participating credit card.

Once all these is done, you can start using PayNow to pay for in-store purchases. 

As for paying your friends or family using PayNow, you’ll need to do a couple more steps:

Step 8: Go back to the Google Play app’s home page and tap “New payment” at the bottom. You will be prompted to sync your contacts. You will need to allow this if you want to pay using mobile numbers. 

Step 9: Sync your contacts to start using PayNow payments. 

Once you’ve set everything up and synced your contacts, you can use Google Pay to make PayNow transactions, and start earning your scratch cards and vouchers! 

What credit cards can you use with Google Pay?

You can link any Visa or Mastercard credit card from any of the following issuers:

  • OCBC
  • DBS
  • UOB
  • Standard Chartered
  • Revolut
  • Transferwise

How much cashback can you earn for PayNow with Google Pay?

You can earn up to S$10, twice a week. Note that you may not always receive cashback, as certain transactions give merchant vouchers instead. 

PayNow transaction

Weekly rewards

Peer-to-peer transfer, S$10 or more

Scratch card worth up to S$10 each, or vouchers. Maximum two cards per week.

Pay in-store via QR code or UEN, S$3 or more 

Scratch card worth up to S$10 for first qualifying in-store PayNow payment.

Scratch card containing vouchers for second qualifying in-store PayNow payment.

Maximum two scratch cards per week. E-wallet top-ups not eligible. 

Note the following restrictions on scratch cards. 

For peer-to-peer PayNow transactions, if multiple payments are made to the same person within 28 days, only the first qualifying payment will be eligible to earn scratch cards or vouchers. 

For merchant payments, if multiple payments are made to the same merchant in a week, only the first qualifying payment will be eligible for cashback or vouchers. 

Hence, you’ll want to spread out your payments to earn maximum scratch cards, instead of spamming them over and over. 

Earned cashback will be instantly credited to your linked bank account.

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for an Amex True Cashback Card:


Receive S$150 Cash via PayNow when you apply for an Amex True Cashback Card and make a min. S$500 spend within 1 month of Card approval. Available to new-to-American-Express card members only. Valid until 30 June 2024. T&Cs apply.

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How to earn cashback with Kris+ 

Another way you can earn cashback when paying using QR codes is with Kris+. For this, you will need the following:

  • Kris+ app
  • Google Pay or Apple Pay 
  • Cashback credit card linked to Google or Apple Pay

Here’s how it works.

Step 1: Download and set up your Kris+ app, and either your Google Pay or Apple Pay app.

Step 2: Link your cashback credit card to your Google or Apple Pay, whichever one you are planning to use. 

Step 3: Open your Kris+ app and choose Google Pay or Apple Pay as your payment method. Step 4: Scan the merchant’s QR code with your Kris+ app.

Step 5: Make payment with your linked payment method. You will earn KrisFlyer miles for your purchase. Meanwhile, you will also earn cashback on your cashback credit card.

How much cashback can you earn with Kris+?

This depends on which cashback credit card you link. If you have an unlimited credit card, you will earn as much cashback as your transactions are eligible for. 

If you have linked a conventional cashback credit card to your Google Pay or Apple Pay, you will only earn cashback if contactless payments like Kris+ are eligible, and up to the specified monthly limit. 

Which cashback credit cards can you use with Kris+?

Here are a list of cashback credit cards you can consider pairing with Kris+

Credit card

Relevant cashback 

Maximum cashback per month (across all cashback categories)


8% on mobile contactless spends 


DBS Live Fresh Card

6% on shopping


OCBC FRANK Credit Card

8% on mobile contactless spend (+2% at selected eco-friendly merchants)


UOB One Card

3.33% cashback on all spend (+ up to 10% on selected categories)

S$50, S$100 or S$200 per quarter

Maybank Friends and Family Card

3.33% cashback on all spends

S$30, S$100 or S$200 per quarter

Welcome Offer: Receive S$88 Cashback when you make a minimum of S$108 eligible spends within 30 days of card approval date. Plus, receive S$100 Cashback (S$188 in total) when you increase your minimum eligible spends to S$988 within 60 days of card approval date. Valid till 31 July 2024. T&Cs apply.

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Frequently Asked Questions (FAQs)

Q: What is the benefit of using PayNow?

PayNow offers a fast, seamless and secure way to make and receive payments. All you need is to link a Singapore-registered mobile number to an account from a participating bank to start using PayNow. With PayNow, you can make and receive bank transfers to anyone, while also scanning QR codes to make mobile payments to merchants.


Read these next: 

How to Earn Cashback at Hawker Centres With DBS PayLah?

8 Ways to Earn More Cashback on Credit Cards, Shopping Apps, and More

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Kris+ Guide: How to (Still) Maximise Miles With The Best Credit Cards Pairings After Its Nerf

The Kris+ App is My Secret Travel Hack to Scoring Miles, Here's Why

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.


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