How does cashback get paid to my card?

After you make a purchase, we automatically calculate the cashback* you’ve earned. It will first appear as pending for 30 days. Once that period ends, the cashback moves to paid status and is added to your Vault balance.

From there, you’re in control:

• Manual transfer: Move funds from your Vault to your card balance whenever you like.
• Auto-withdraw: If enabled, your cashback will be transferred automatically to your card balance.

You can track the status of each cashback transaction in your Summary view, with detailed information available in the expanded summary.

*Cashback is calculated on purchases at participating retailers and credited to your Cashback Vault 30 days after the relevant transaction settles. Cashback in the Vault, and any pending Cashback not yet credited, will be lost when your Card becomes Dormant after six months without use or reload, or three months after your Card is cancelled. You can avoid this by using or reloading your Card, or transferring Cashback to your Card Funds, before the relevant deadline. Rates vary by retailer and may change; refunded purchases may reverse Cashback. See the Card Terms for full details