Choose your quick section of our best Cash Back Reward Cards below.
Our 10 Best Handpicked Cash Back Reward Cards Revealed:
- ✔️Pick n Pay Smart Shopper Card
- ✔️Discovery Vitality
- ✔️Woolworths WRewards
- Clicks ClubCard
- Dis-Chem Loyalty Benefit Programme
- Edgars Thank U Card
- FNB eBucks
- Standard Bank UCount
- ABSA Rewards
- SPAR Rewards
Cash back reward cards are spread across various sectors from retail and grocery programs, to banking rewards. Despite the variety, there are clear favourites, as listed in the sections below.
Pick n Pay Smart Shopper Card
With Pick n Pay Smart Shopper, consumers earn points every time they swipe their card in store. Points that are earned can be spent on anything that the consumer wishes, and this rewards programme is just one of the ways through which Pick n Pay helps their shoppers save money.
Every two weeks, shoppers are provided with personalised discounts that are automatically loaded to the card. To help with the convenience of earning back points, there is also a Smart Shopper mobile app that can be used for a variety of reasons.
Balances can be checked either through the app, or at the in-store kiosk. Points are converted into cash value once a shopper amasses 500 points, which are worth 5 ZAR.
Apart form providing a variety of means of engaging with their customers, the Smart Shopper programme also allows for shoppers to donate a portion, or all, of their points to selected charities in an effortless, hassle-free way.
Pros and Cons
PROS | CONS |
Easy to replace a lost or stolen card | Rewards can only be spent at a Pick n Pay |
Mobile app offered | |
Points accumulate quite quickly and can be converted into cash that can be spent in-store | |
Points gained for groceries as well as liquor purchases | |
Savings and discounts offered |
Discovery Vitality
Discovery Vitality is known as one of the best food cash-back programmes in South Africa, allowing for consumers to save up to 25% on what they spend on groceries, which beats out all other point-based loyalty programmes offered in the country.
However, there is one crucial catch, Discovery members can only buy from a predefined list of grocery stores and outlets. The maximum Vitality HealthyFood reward depends on the engagement level that consumers have with both the Vitality Health and Vitality Money programmes.
The sign-up cost for Discovery Vitality is 259 ZAR per month and benefits start from 10% for healthy food items. The minimum cashback per 1 000 ZAR spent is 100 ZAR, and consumers can earn rewards from shopping at either Pick n Pay or Woolworths.
Pros and Cons
PROS | CONS |
Cash-back provided is adequate | High monthly fee charged |
Goal-driven programme | Product features are not easy to navigate |
Programme also works to inspire fitness and a healthier, more environmentally friendly lifestyle | |
Rewards are adequate and programme is easy to use | |
Tiered rewards programme |
Woolworths WRewards
Consumers who possess a Woolworths WRewards card can earn rewards according to a tiered system determined by annual purchases in all Woolworths Stores, Woolworths Online Ship, Country Road, Woolworths Foodstops at Engen petrol stations, or Trenery standalone stores across South Africa.
Consumers who spend between 8 400 to 25 200 ZAR per annum are promoted to the Loyal Tier, while consumers who spend more than 25 200 ZAR will subsequently become part of the VIP Tier.
All members of the WRewards programme receive instantaneous savings on selected Woolworths, or associated, products. In addition, all members can earn additional rewards when they purchase environmentally friendly products through EarthCred, which also assists members in moving up faster along the tiers.
Another advantage of the programme is that members receive the first pick of sale merchandise during the first 90 minutes when sales occur.
Pros and Cons
PROS | CONS |
Comprehensive mobile app offered | High spending requirement to earn Loyal and VIP member |
Daily savings offered on selected products | Only three tiers offered |
Up to 20% savings on a wide variety of items | Points can only be earned from Woolworths and some partner stores |
Clicks ClubCard
Clicks ClubCard members earn a point for every 5 ZAR that they spend on qualifying purchases of more than 10 ZAR. Members who earn 100 points or more over three consecutive months also qualify for cashback vouchers as well as personalised selections of coupons.
These coupons can be used at all Clicks stores right across South Africa. Members of the Clicks Clubcard who earn 240 points in a year automatically become Gold ClubCard members, earning them with the receipt of a quarterly ClubCard magazine that features exclusive offers. They are also provided with their cashback vouchers as well as coupons.
Periodic double point days allow members to earn double points and senior members also get double points every second Wednesday of the month. This offer is one that is consistent and without a time limit.
In addition to the Clicks stores, members can also earn points when they shop at retail partners such as Sorbet, Discovery, and Nu Metro, or when they refuel at selected petrol stations and swipe their ClubCard before their purchase.
Pros and Cons
PROS | CONS |
Cashback vouchers and coupons offered | Points cannot be spent in a variety of ways |
Double point promotion on selected items is an advantage | Points earning is slow |
Fuel rewards can be earned and spent | |
Variety of retail partners available |
Dis-Chem Loyalty Benefit Programme
When consumers join Disc-Chem’s Loyalty Benefit Programme, members can either select one, or more, specific Interest Groups. This will allow them to receive personalised benefits that suit their needs and lifestyle more accurately and efficiently.
Loyalty members receive reward when they shop at Dis-Chem in addition to a percentage of money that is spent by members being donated to the Dis-Chem Foundation. The Foundation supports a variety of causes including, but not limited to the Nazareth House Children’s Home and the Paediatric Cardiac Society of South Africa.
In addition, Dis-Chem is also partnered with FNB as well as ABSA Rewards. This means that members can earn as well as spend when they do their shopping at Dis-Chem. They can also earn an extra 1% rewards when they shop at Dis-Chem using an ABSA debit card.
Pros and Cons
PROS | CONS |
ABSA customers can earn back more rewards when they use their debit card | None noted |
Free membership | |
Partnership with FNB offers FNB consumers with a variety of benefits | |
Percentage of money spent is donated to the Dis-Chem Foundation | |
Personalised benefits | |
Variety of Interest Groups |
Edgars Thank U Card
Edgars is a reputable and popular clothing retailer that offers consumers with a Thank U loyalty programme which grants members with 10 points for every 1 ZAR that they spend at Edgars stores and other partner stores such as:
Edgars Active
Red Square
Boardmans
CNA
Jet
JetMart
Legit
There are periodic promotions that allow members to earn double points in addition to times when points are multiplied by 10 for specific purchases. Once members have accumulated 10,000 points on their Thank U cards, which is a value of 10 ZAR, they can start using points against their purchases at participating stores.
Members who wish to track their points online can easily create a profile on the Edgars website, however, points are displayed on till slips. There is also a free smartphone app that members can download to gain access to personalised offers and where they can view their points.
Pros and Cons
PROS | CONS |
Double points benefits | Higher point requirement before it can be converted into cash |
Free cashback programme | |
Variety of ways to earn and spend points |
FNB eBucks
First National Bank offers consumers with an eBucks rewards programme that allows for bankers to earn back points when spending they spend in-store or online. Both businesses as well as individuals can benefit from the programme, and registration is quick and hassle-free.
By using the FNB App, consumers can track as well as spend their eBucks. Alternatively, consumers can access the eBucks website to check as well as use their eBucks rewards points. To start earning with eBucks, consumers must apply for, and possess, any of the following accounts:
FBN Gold Account
FNB Gold Business Account
Platinum Account
FNB Platinum Business Account
Enterprise Business Account
Private Clients Account
Private Wealth Account
RMB Private Account
Consumers can get between 5% to 40% discount on the online eBucks store on some of the following:
40% off on Ster Kinekor movie tickets.
40% off on Emirates and Kulula flights.
Various discounts on Canon cameras.
Discounts on various Woolworths’s gift cards.
To qualify for discounts such as these, consumers must have a qualifying FNB or RMB account, ensure that accounts are active and that they are in good standing, earn an average of 300 eBucks a month.
Pros and Cons
PROS | CONS |
eBucks can also be invested into a flexi deposit account | Stringent requirements to qualify for discounts |
eBucks can be spent in a variety of ways | Programme not advisable for those who only wish to save money or to curb shopping tendencies |
There are numerous discounts available |
Standard Bank UCount
Standard Bank offers its users with a unique and innovative rewards programme which allows member to earn point when they make purchases with their qualifying Standard Bank cheque, credit, or debit card.
Unlike Discovery Vitality, or FNB’s eBucks, the UCount rewards programme comes at a price. Whereas memberships to rewards or cashback programmes is free, the UCount regards requires a subscription and a subsequent subscription fee that must be paid for members to earn points when they shop at rewards retailers.
Members can earn up to 20% back in rewards points when they either swipe their cards in-store, or when they use their card number to shop online.
Points which are earned can be used for purchases at more than 20 different UCount regards retailers. In addition, members who wish to make donations can donate their points to either charity or to students.
The UCount rewards can be tracked by members through their online banking, or through the Standard Bank mobile app.
Pros and Cons
PROS | CONS |
Members can earn up to 20% back | Programme is not fee and has a subscription and associated fee |
Variety of ways to spend UCount rewards as there are 20 supporting retailers | Other programmes offer more rewards |
ABSA Rewards
ABSA rewards, as the name suggests, caters for both ABSA Debit as well as Credit Card Holders, allowing them to earn up to 30% back on fuel, groceries, health, and beauty products when they purchase from selected stores.
Unlike numerous other rewards programmes, membership with the ABSA rewards programme is free and allows members to benefit. Participating and partner stores where points can be spent include:
Food Lover’s Market
Pick n Pay
Woolworths
Sasol
Dis-Chem
In addition, members can get up to 30% cash back and up to 1.15% when they make other ABSA card purchases. The rewards programme features a comprehensive tier-system where members receive points according to their product category with a subsequent monthly score.
Members who have an ABSA credit card also have access to higher earn rates when they use their credit card for purchases. Members earn back from ABSA bank, grocery stores, fuel stations, and health and beauty participants.
Members must ensure that they consult the ABSA website to view the spend limits for cash rewards, and that they have the ABSA App to allow them easy access to their account and their points balances.
Pros and Cons
PROS | CONS |
Free membership | Spend limits in place for cash rewards |
Members can earn up to 30% back |
SPAR Rewards
SPAR offers consumers with a rewards programme that allows them to receive instant cash discounts when they shop at SPAR stores. Every month, SPAR Rewards sends consumers and members electronic product coupons which will automatically be redeemed when consumers swipe their card or provide their cellphone number at till points.
The easiest way to keep a track of specials and SPAR Rewards points is to download the free SPAR SA Application either from Google Play or the App Store.
Pros and Cons
PROS | CONS |
Discounts of a variety of products | Points can only be spent when shopping at SPAR outlets |
Points earned back are not as much as when compared to what other retailers offer |
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