Best Cashback Credit Cards

Cashback cards give you actual money back instead of points — no complicated redemption, no devaluation. They're straightforward: spend money, get a percentage back. Ideal for people who want tangible, simple rewards.

Orange One Rewards Platinum

ING · Visa

$149/yr19.99% p.a.No FX fees45 interest-free days

everyday spendingcash rewards

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Zero Cashback

Bankwest · Mastercard

$0/yr15.99% p.a.No FX fees55 interest-free days

cashbackno fees

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No Fee Mastercard

ubank · Mastercard

$0/yr14.99% p.a.No FX fees55 interest-free days

no feescashbackdigital banking

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💡 Tips for Choosing a Cashback Credit Cards

1.Cashback rates typically range from 0.5% to 2% in Australia
2.Some cards offer higher cashback on specific categories (groceries, petrol)
3.Check if there's a cashback cap — some cards limit how much you can earn per month or year
4.Calculate: if you spend $2,000/month at 1% cashback = $240/year — is that more than the annual fee?

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Information is general in nature and does not constitute financial advice. Product details may change — always verify with the provider. Last updated March 2026.