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Credit Card FAQs

There are plenty of credit cards that award you with reward points or air miles when you charge a purchase to them. But what if you would rather get rebates that you can use to offset your next credit card payment? If so, you could be the perfect candidate for a cashback credit card.
Each cashback card has an accompanying percent rate (ex. 5% cashback on groceries). This is the amount you earn back whenever you charge something to your card for a certain spend category. The money you earn is expressed in cash rebates, which you can use to offset your next credit card bill. Most cashback credit cards have a cap on how many rebates you can earn, but some cards allow you to earn as much as you want. Always pay attention to the fine print on your card, including its annual fees, partner merchants, and minimum spend required, to maximise your savings.
Most cashback cards give rebates on specific spend types, such as petrol, dining, or groceries. If a significant portion of your budget goes to a particular spend type, you save a lot of money when you use a cashback credit card to pay for these purchases. Many cards require a minimum spend before you can start earning rebates. Make sure that you aren't spending beyond your budget just to meet the minimum spend - this defeats the purpose of using a cashback card! Remember that you only earn cash back when your account is in good standing. This means you need to pay your credit card bill in full and on time at the end of each billing cycle. Otherwise, you will not earn rebates, and you'll be paying interest on top of your balance.
It depends on the cashback card you choose, as some cards have a cashback cap, and some do not. The majority of cashback credit cards set a limit on the amount of cash rebates you can earn, often on a monthly basis. You also need to charge a minimum amount to your card in order to qualify for the cashback reward. However, banks are beginning to introduce cashback credit cards that do not limit how much rebate you can earn. These cards also do not require a minimum spend in order for you to be eligible for the cashback. The difference between the two types of cards is that the first type (with cashback cap) usually gives higher rebates, but on limited spending categories, while the second type (no cashback cap) provides a lower rate of cashback, but across more categories.
Cashback credit cards are all about saving money, and different cards will help you shave down your expenses on different types of spend. Some cards will help you get discounts on certain spending categories, such as petrol, groceries or online shopping, whereas other cards will give you a smaller amount of rebate but across more transactions. To help you find the cashback card that will be most useful to you, try doing a quick analysis of your day-to-day spending. Identify what you spend the most money on, then look for a card that will give you the most savings in that category. If your spending patterns are quite evenly distributed, then you may get the most mileage out of credit cards that reward you for all spends. Try our free comparison tool to help you find the most suitable cashback credit card.

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