Qu'est-ce que le cashback ?

Vous vous êtes déjà demandé si vous passiez à côté de récompenses en utilisant votre carte de débit plutôt que votre carte de crédit ?

Les programmes de cashback nouvelle génération permettent aujourd'hui aux consommateurs de bénéficier de remboursements sur leurs achats effectués avec leur carte de débit - comme des réductions immédiates, sans dette, frais ni points compliqués.

Ces programmes vous aident à optimiser vos finances et à être récompensé pour vos dépenses quotidiennes, tout en respectant votre budget.

Une carte adaptée à votre entreprise

La carte professionnelle Tap vous aide à gérer et à contrôler vos dépenses d'entreprise rapidement et avec facilité. Notre carte professionnelle virtuelle gratuite vous permet d'effectuer des transactions en ligne.

Comprendre les différents programmes de cashback

Les programmes de cashback encouragent une consommation intelligente en vous permettant de récupérer de l'argent pour une grande variété d'achats. Ils se déclinent en plusieurs formes pour s'adapter aux différents styles de dépenses :

  • Le cashback des cartes de crédit est l'un des plus populaires, vous permettant de récupérer un pourcentage sur tous vos achats ou des récompenses bonus dans des catégories spécifiques comme l'essence ou les repas au restaurant.
  • De nombreux programmes de cartes de débit offrent désormais des incitations similaires au cashback, sans le risque d'intérêts ou de dettes.
  • Pour les adeptes du shopping en ligne, les sites web et extensions de navigateur de cashback agissent comme des portails de remise où il suffit de cliquer sur leurs liens pour récupérer un pourcentage chez des milliers de détaillants.
  • Certaines applications permettent même de prendre en photo les reçus pour obtenir automatiquement du cashback sur les achats en magasin.

Quel que soit la carte ou la méthode que vous choisissez, c'est un moyen gratifiant d'économiser tout en dépensant !

Comment fonctionnent les programmes de récompenses cashback ?

Each option has a slightly different way of operating: 


  • Credit card cashback rewards stem from deals between card issuers and retailers. When you make a purchase, the retailer pays a fee to the card company, which then shares a portion as cashback with you.
  • Debit card cashback on the other hand is typically paid directly from your bank as a customer perk on purchases.
  • Website portals negotiate cashback rates with retailers, passing those rewards to members who click through their links to shop, while browser extensions and apps typically charge you a fee to implement. 


While the mechanics differ, all cashback programs incentivise spending by giving you a percentage back on purchases, turning everyday costs into minor money-makers.

The Tap cashback

Because everyone’s needs are different, we’ve designed a comprehensive approach to our cashback rewards program. Our rewards program is based on the amount of XTP you have staked as opposed to a one-size-fits-all flat rate, ranging from cashback rewards of 0.5% to up to 8%.

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From there, regularly review your purchases and adjust your card usage if needed. Finally, have a strategy for redeeming rewards in a way that reinforces your savings goals.

With discipline, cashback can boost your bottom line without upending your finances.

Tap Cashback Benefits for you

For savvy Tap users, understanding and utilising these cashback rewards effectively is a bonus, ideal for travel or at home. Earning even a few percentage points back on daily expenses like coffee, transportation, and dining out can translate to significant savings over time.

And with the cashback rewards program integrated right into the Tap app, it's easier than ever to get rewarded for smart spending without radically changing your spending habits.

Maximise these built-in rebates to tap into this financial win-win that shows how small changes can positively impact your personal finance.

What is Cashback bonus?

A cashback bonus refers to any incentive program where customers receive a percentage of the amount they spend as a rebate, typically in the form of points earned on a credit card or rewards deposited directly into their bank accounts.

How does Cashback work? 

When a customer makes a purchase using their card, the retailer pays a percentage fee to the card company. In turn, the card company redistributes a portion of this fee back to the customer as cashback rewards. For debit cards, this cashback usually comes directly from the bank to the customer.

Is Cashback free money?

Yes and no. While cashback can seem like a rewarding experience when you're making regular purchases, it's important to note that you only receive cashback after spending money in the first place—so there's a transaction involved.

Does Tap offer cashback rewards? 

Yes, Tap provides cashback benefits to its users. With a basic account, you'll receive 0.5% cashback. Additionally, our premium account holders enjoy even greater perks, with special cashback rates reaching up to 8%.

Does Tap offer cashback rewards? 

Cashback rewards, unlike traditional rewards points limited to purchasing goods, services, or gift cards from the card issuer, are quite literally cash. Depending on the service provider, these rewards can be spent anywhere and not just at a single retailer as they would with a gift card.

What does cashback on a credit card mean?

Cash-back on a credit card means the card issuer refunds you a small percentage of the amount you spend on eligible purchases.

Does Tap offer cashback rewards?