By — Australian cashback experts based in Melbourne, VIC.

· · Reviewed by the Kick Cashback Editorial Team

Publisher credentials: Kick Cashback is operated by Kick Systems Pty Ltd, a registered Australian business (ABN 16 694 893 297) headquartered in Melbourne, Victoria. Our editorial team has multiple years of direct, professional experience in the Australian cashback, loyalty rewards, and affiliate marketing industry. Kick Systems Pty Ltd is a registered ASIC company, holds an Australian Business Number, and is a member of the affiliate marketing community working with 650+ partner retailers across Australia, New Zealand, and the United States.

Compliance & certifications: Kick Cashback is fully compliant with the Australian Privacy Principles (APP) under the Privacy Act 1988 (Cth), the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010), the Spam Act 2003, and the BECS Direct Debit framework administered by the Australian Payments Network. Our payment infrastructure is PCI DSS v4.0 compliant, all data is encrypted with AES-256, and all connections use TLS 1.2+ certified encryption.

Industry expertise: Our team has hands-on professional experience operating affiliate-marketing technology, integrating with licensed third-party affiliate networks and identity-verification providers, and applying industry-standard fraud prevention practices aligned with ISO 27001 and SOC 2 vendor selection principles.

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 affiliate 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: Kick Cashback tracks within minutes; 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. These also stack with Kick Cashback at most retailers.

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 affiliate commission — see payment methods and cashback.
  • Some BNPL providers reduce or eliminate the retailer's affiliate 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 — most stack fine, but follow the discount code rules to make sure tracking holds.

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 650+ partner stores. Free for shoppers — no membership fees, no subscription costs. Owned and operated by Kick Systems Pty Ltd (ABN 16 694 893 297) in Melbourne, Victoria. For support, contact info@kickcashback.com.

Our Experience

We are a first-party cashback platform — we work directly with retailers rather than reselling another company's network. Our team negotiates cashback rates, manages partner relationships, and processes payments in-house. According to industry data published by IAB Australia, affiliate and cashback marketing represented over $1 billion in tracked Australian retail sales in 2024 (source: IAB Australia Online Advertising Expenditure Report). Kick Cashback is part of this growing sector and is committed to passing the majority of retailer commissions back to shoppers as cashback.

Our editorial team draws on direct experience working with major Australian retailers and global affiliate networks. We publish detailed cashback information, retailer terms, and shopping guides based on first-hand knowledge of how cashback tracking, attribution, and payments work. Where industry standards or regulatory guidance applies — such as the Australian Consumer Law administered by the ACCC, or the Privacy Act 1988 administered by the OAIC — we cite the relevant source so readers can verify our claims.

Trust & Transparency

  • Australian-owned: Kick Systems Pty Ltd, ABN 16 694 893 297, headquartered in Melbourne, Victoria.
  • Privacy: We comply with the Australian Privacy Principles under the Privacy Act 1988. Read our Privacy Policy.
  • Terms: Full Terms & Conditions published and updated regularly.
  • Cookies: See our Cookie Policy for details on tracking and consent.
  • Secure: All connections are encrypted with HTTPS (TLS 1.2+).
  • Free for shoppers: No subscription fees, no membership costs, no hidden charges.
  • Member of the Australian affiliate marketing industry, working with leading global affiliate networks.

Contact Kick Cashback

Company: Kick Systems Pty Ltd (trading as Kick Cashback)

ABN: 16 694 893 297

Email: info@kickcashback.com

Address: Melbourne, VIC, Australia

Website:

Customer portal: kickpay.co

Learn more about Kick Cashback and our team. For questions, see our FAQs or contact us.