Can I stack Kick Cashback with my credit card rewards?

Category: Cashback

Stacking Kick Cashback with your credit card's own rewards is one of the highest-value ways to shop online in Australia. The two reward streams come from completely different parties — Kick Cashback comes from the retailer's referral commission, while your card's points or cashback come from the interchange fee the retailer pays to the card scheme. Neither one cancels the other out.

How the stack works

1. Click through from your Kick Cashback portal to the retailer.
2. Shop as normal in the same session.
3. Pay at checkout with your rewards-earning credit card.
4. Collect both rewards: most eligible retail cashback is available to claim within a few minutes (while travel, insurance, subscriptions and any offer whose live terms say otherwise can take longer); your card's points or cashback appear on your card statement on the usual cycle.

What you can stack with Kick Cashback

• Frequent flyer cards — Qantas Points (Qantas Premier, ANZ Frequent Flyer, NAB Qantas), Velocity Points (Virgin Money Velocity, Amex Velocity).
• Bank-issued points — CommBank Awards, ANZ Rewards, Westpac Altitude, NAB Rewards, Bankwest More Rewards.
• American Express Membership Rewards — points-earning Amex cards.
• Bank cashback cards — yes, you can earn bank cashback on top of Kick Cashback. The two are independent.
• Buy now, pay later programmes' own rewards — for example PayPal's rewards programme. Whether these earn Kick Cashback depends on the retailer's current terms, which are shown on the store's page in your portal.

The maths on a real example

Imagine a $500 booking at a partner travel retailer offering 6% Kick Cashback, paid for on a Qantas Premier Platinum card earning 1 Qantas Point per dollar. You'd earn $30 in Kick Cashback (paid to your bank in AUD) plus 500 Qantas Points (worth roughly $7-10 depending on how you redeem them). Total reward value: roughly $37-40 on a $500 spend, or 7-8% — entirely from rewards already designed to be claimed.

Are there cases where stacking doesn't work?

• Gift card payments don't earn Kick Cashback. If you pay with a gift card, the retailer doesn't pay the referral commission — see payment methods and cashback.
• Some BNPL providers reduce or eliminate the retailer's referral commission. A small number of retailers exclude BNPL orders from cashback. The store's Kick Cashback page will flag this.
• Some Amex cards don't earn points on certain merchant categories (utilities, government, BPAY). The Kick Cashback portion still earns; only the card-side reward is affected.
• Promo codes — cashback with a discount code is only eligible where the retailer's current terms permit that code; follow the discount code rules before applying one.

How to maximise the stack

Use the highest-rewards card you have for online shopping (often an Amex or a points-earning bank card), pay the balance in full each month so you don't lose the value to interest, and always start at kickpay.co so the Kick Cashback portion tracks. See the current top-rate retailers for ideas on where the stack pays the most.

Tax treatment

Both Kick Cashback and credit card rewards on personal spending are generally treated as discounts or rebates rather than income for personal Australian tax purposes — see our cashback and Australian tax note. Business spending is different; talk to a registered tax agent.

About Kick Cashback

Kick Cashback is Australia's smarter cashback platform with 1,000+ partner stores. Free for shoppers — no membership fees, no subscription costs. Owned and operated by Kick Systems Proprietary Limited (ABN 16 694 893 297) in Melbourne, Victoria. For support, contact info@kickcashback.com.