How the main types of offers work
Most promotions fall into a handful of categories, each with a headline figure and a list of terms that determine the actual benefit.
Cashback on a purchase
Cashback returns a percentage of your spending after the purchase is completed, often credited to your account as a balance or points.
Look beyond the rate: monthly limits and approved merchants affect how much you can realistically earn.
What to check: Monthly limit, eligible merchants, payout timing.
5% example
Instant discount at checkout
An instant discount reduces the total amount due at the point of payment, so the savings are immediate.
These are commonly conditional, requiring a minimum spend, specific payment type, or certain shopping days.
What to check: Minimum spend, accepted payment methods, valid dates.
10% example
Bonus credit
Bonus credit is a fixed sum added to your account after meeting criteria like a first purchase or reaching a spending threshold.
This type of credit often comes with an expiration date and restrictions on where it can be used.
What to check: Expiration date, usage restrictions, qualifying action.
$5 example
Buy one, get one
Buy one, get one offers provide a second item at no cost or a reduced price within a single transaction.
The discount typically applies to the lower-priced item and is limited to specific products.
What to check: Which item is free, eligible items, single transaction rule.
1+1 example
0% instalments
0% instalments break a purchase into monthly payments without added interest charges.
Additional fees, minimum purchase requirements, and approved retailers can influence the overall cost.
What to check: Additional fees, minimum purchase, payment term length.
0% example