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.
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 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 — 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 1,000+ 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.
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 team has direct, professional experience in the Australian cashback and partner marketing industry. Kick Systems Pty Ltd is a registered ASIC company, holds an Australian Business Number, and works with 1,000+ partner retailers serving Australian shoppers.
Compliance: Kick Cashback operates in line with the Australian Privacy Principles (APP) under the Privacy Act 1988 (Cth), the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010), the Spam Act 2003, and applicable Anti-Money Laundering and Counter-Terrorism Financing obligations. Connections to the platform use industry-standard TLS encryption.
Industry expertise: Our team has hands-on professional experience operating partner-marketing technology, integrating with licensed third-party partner networks and identity-verification providers, and applying industry-standard fraud prevention practices aligned with ISO 27001 and SOC 2 vendor selection principles.
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, partner 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 partner 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.
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 partner marketing industry, working with leading global partner networks.
Contact Kick Cashback
How do you contact Kick Cashback? Email the support team at info@kickcashback.com, or sign in at kickpay.co to manage your account, track cashback, and request a withdrawal. The 59-question help centre answers the most common queries — covering cashback tracking, instant payouts (receiving-bank processing 1 to 3 business days), withdrawal limits, and account security. The team is based in Melbourne, Victoria.
Company:Kick Systems Pty Ltd (trading as Kick Cashback)
You can follow, install or review Kick Cashback across 7 official channels. Kick Cashback runs verified accounts on 4 social networks — Facebook, Instagram, LinkedIn and TikTok — and publishes 2 apps: a Chrome Web Store browser extension and a Google Play Android app, both covering the same 1,000+ partner stores across 12 categories. Independent customer reviews are collected on ProductReview.com.au. Founded in 2024, Kick Cashback is operated from Melbourne by Kick Systems Pty Ltd. Connect below:
Yes — Kick Cashback is available to shoppers in every Australian state and territory, including the 6 largest metro areas listed below: Sydney, Melbourne, Brisbane, Perth, Adelaide and the Gold Coast. Wherever you live, you earn the same rates at 1,000+ partner stores across 12 categories, with no minimum claim and direct bank transfer payouts sent instantly (receiving banks can take 1 to 3 business days to show the funds). Select your city for local cashback information.