Card offers: understanding the mechanics behind the discounts

Breaking down common card-linked promotions by their structure: what the advertised numbers mean, the fine print that limits them, and key checks before you commit.

Post-purchase cashbackCashback · Banks

A portion of your spending is returned later, often subject to a monthly maximum and restricted to specific merchants.

5% exampleDetails

Sign-up or top-up bonusBonus · Banks

A fixed amount credited after meeting an initial spending or deposit requirement; verify expiration and usability restrictions.

$5 exampleDetails

Immediate discount at paymentDiscount · Banks

Price reduction applied during checkout, usually requiring a minimum purchase amount or limited to certain days.

10% exampleDetails

Interest-free payment plan0% instalments · Banks

Cost divided into equal payments with no interest; watch for processing fees and minimum transaction thresholds.

0% exampleDetails