ShopBack, Cashrewards, and CommBank Rewards compared. Find out which cashback app pays the most and covers the retailers you shop at most.
Discount Codes Guide →Today's Deals →All three apps are free. Use all of them to maximise your cashback rate on every purchase.
| Feature | ShopBack | Cashrewards | CommBank Rewards |
|---|---|---|---|
| Retailer Count | 2,000+ | 1,500+ | 800+ |
| Max Cashback Rate | Up to 15% | Up to 20% | Up to 15% |
| Travel Coverage | Excellent (Booking.com, Expedia) | Good (select partners) | Limited |
| Food Delivery | ✅ Menulog, DoorDash, Uber Eats | Limited | Limited |
| Fashion Coverage | Good | ✅ Excellent | Moderate |
| Minimum Withdrawal | $5 | $10 | None |
| Payout Methods | Bank, PayPal | Bank | CommBank account only |
| In-Store Cashback | ✅ Yes | Limited | ✅ Yes (card-linked) |
| Who It's Best For | Most Australians | Fashion/beauty shoppers | CommBank customers |
Cashback apps are a legitimate and straightforward way to earn money back on purchases you'd make anyway. Here's how the mechanism works and what you need to know to maximise your earnings.
When you click through ShopBack or Cashrewards to a retailer's website, the app places a tracking cookie in your browser. When you complete a qualifying purchase, the retailer recognises the referral and pays the cashback app a commission (typically 3–25% of the sale value). The cashback app then shares a portion of that commission with you — this is your cashback payment. The retailer has pre-agreed to these commission rates, so there's no additional cost to you; the cashback comes from marketing budget that the retailer would otherwise spend on advertising.
Cashback is not instant. The typical timeline in Australia is: purchase confirmed within 24–48 hours, cashback "pending" for 30–90 days (allowing the retailer time to verify the purchase was valid and not returned), then "approved" and available to withdraw. Some retailers have longer approval windows — travel companies often take 90+ days because bookings may be months in the future. Check your cashback app's timeline for each retailer before purchasing.
Ad blockers or browser privacy settings can block tracking cookies. Disable your ad blocker before clicking through a cashback app, or use a private browser window with extensions off.
If you return an item or cancel an order, the cashback is reversed. This is why cashback takes time to confirm — retailers need to pass the return window before releasing commissions.
If you visit another site or click another link between the cashback app and checkout, the tracking cookie may be overwritten. Go directly from the cashback app to checkout without detours.
The "triple stack" combines three discount layers on a single purchase. Here's how to do it step by step:
Check if the retailer is running a current sale — EOFY, Black Friday, Click Frenzy, or their own promotion. This is your first saving layer.
Before clicking through to the retailer, Google the retailer name + "promo code" or check r/AusDeals. Alternatively, install the Honey browser extension which auto-applies codes. This is your second saving layer.
Once you know what you're buying and have your code ready, open ShopBack or Cashrewards and click through to the retailer. Apply your discount code at checkout. The cashback tracks from the original click price and you earn the third saving layer — typically 3–15% back.
A $200 air fryer on 30% EOFY sale ($140) + 10% discount code ($126) + 8% ShopBack cashback (~$10 back) = you pay $126 and get $10 back. Total: $116 effective price — 42% off the original RRP.
| Retailer | ShopBack Rate | Cashrewards Rate | Category |
|---|---|---|---|
| eBay Australia | Up to 5% | Up to 4% | Marketplace |
| Kmart | Up to 4% | Up to 3% | Discount Retail |
| Booking.com | Up to 8% | Limited | Travel |
| Expedia | Up to 7% | Up to 5% | Travel |
| The Iconic | Up to 8% | Up to 12% | Fashion |
| ASOS | Up to 6% | Up to 8% | Fashion |
| Menulog | Up to 10% | Limited | Food Delivery |
| Chemist Warehouse | Up to 6% | Up to 5% | Pharmacy/Health |
| Luxury Escapes | Up to 6% | Up to 5% | Travel |
| Cotton On | Up to 7% | Up to 10% | Fashion |
Rates change frequently. Always check the current rate in the cashback app before purchasing.
Both are excellent and most deal-hunters use both. ShopBack has more retailers (2,000+) and stronger travel and everyday spend coverage including Menulog, DoorDash and Booking.com. Cashrewards tends to offer higher cashback rates on fashion and beauty brands. For maximum savings, sign up for both and check which has the higher rate before clicking through to any retailer.
When you click through ShopBack or Cashrewards to a retailer's website and complete a purchase, the retailer pays the cashback app a commission. The app shares part of that commission with you as cashback. It typically takes 30–90 days for cashback to be confirmed (retailers verify no returns), then it's available to withdraw to your bank account. It's free money on purchases you'd make anyway.
Yes — this is "stacking" and it's the most powerful Australian savings strategy. Click through the cashback app first, then apply your discount code at checkout. The cashback tracks on your final purchase. See the Triple Stack guide above for a step-by-step example showing how to combine a sale, a code, and cashback for maximum savings.
ShopBack leads with 2,000+ Australian retailers as of 2026. Cashrewards has approximately 1,500+ retailers with particular strength in fashion and beauty. CommBank Rewards has around 800+ offers but the advantage of being card-linked — meaning you don't have to click through a link each time, just use your CommBank card and cashback is automatic.
Sign up for ShopBack and Cashrewards — both free, both pay real money. Use both for maximum coverage.
Join ShopBack →Join Cashrewards →