About Super-Rewards

What is Super-Rewards?

Super-Rewards is an online shopping platform where retailers pay cash rewards into your super. This is our way of monetising some of the $2.2 trillion of unpaid work that occurs in Australia, the majority of which is done by women.

Why should I use Super-Rewards?

Traditionally, money for your superannuation came from your employer, or you. This setup works best for people who are in the workforce but doesn’t work well for people who are not working or are on low incomes.

Super-Rewards has created a clever way to add to your super account, and it’s free to join*. We’ve partnered with over four hundred retailers who’ll pay money into your super every time you purchase using Super-Rewards.

You can now add to your super, with your everyday spend.

* Super-Rewards does not charge any direct fees to our members. We generate revenue by taking a commission from each cash reward that the retailer pays; this is known as a referral commission. Please refer to our Financial Services Guide for more information.

Where do the Super-Rewards come from?

We’ve partnered with great retailers to make sure you’ll be rewarded whenever you shop using Super-Rewards. These retailers pay cash rewards - also known as commissions - to us, and we share them with you. It's their way of rewarding you for your loyalty to their brand.

How can I increase my super with Super-Rewards?

Every time you shop online using Super-Rewards, you’ll earn cash back and we’ll transfer that cash into your super.

There are three ways to earn cash back into your super with Super-Rewards:

1. Using our shopping platform of www.super-rewards.com

Our shopping platform highlights retailers by category, popularity and which are new. It’s great if you’re browsing for retailer ideas, and to check out the cash back amounts.

2. Using our Chrome or Safari browser extensions

The browser extension means you can earn Super-Rewards directly from the retailer’s website, without having to log in to our platform. You’ll be prompted to activate your extension when you type in their URL. This is best when you know exactly what you want to buy from a particular retailer.

However, if you’re using a search engine for a particular product, the browser extension will also show you which retailers offer Super-Rewards. This helps you make a decision on which retailer to purchase from in no time!

3. Shopping directly from our promotional emails

We’ll send you emails that showcase increased cash back offers, or the latest retailers to join Super-Rewards. You don’t need to log in to Super-Rewards, you simply shop directly from our emails.

Using any - or all - of these means you can earn super every time you spend. Contributing small amounts to your super over time makes a big difference, thanks to the magic of compound interest.

How do I know how much super I will earn?

Each retailer’s cash back is displayed, either as a % or $. For example, a retailer’s tile on our platform or emails, or in a search result may show 4% Super-Rewards. When you spend $100 with that retailer, you will receive $4 cash back into your super.

Occasionally a particular retailer may offer higher or lower cash back rates, depending on particular brands or products they sell, or if you are a new or returning customer. We always recommend checking the terms and conditions of that retailer, available on the retailer’s tile, before purchase.

Is there a limit on how much I can earn?

From the retailer’s perspective, there is no limit, unless they have specific terms and conditions around a particular offer.

From an operational perspective, if it appears you will earn more than $1,000 of Super-Rewards in any single payment cycle, we will be in touch to discuss additional requirements regarding payments. If you have not provided your super fund details, we reserve the right to suspend your account.

Is there a limit on how much I can put into my super?

There are two kinds of contributions that can be made to your super fund:

Concessional – This is a pre-tax contribution. It includes the Super Guarantee (10.0% as at 1 July 2021) that your employer pays into your super, and any salary sacrifice amounts. Concessional contributions are taxed at 15%.

Non-Concessional Contributions – These include after-tax personal contributions that you deposit directly into your super.

There are limits to the amount of money you can put into super each year based on the type of contribution:

Concessional (Annual Cap: $27,500 as at 1 July 2021): If your super balance is less than $500,000 on 30 June of the previous financial year, you can carry forward the unused portion of your concessional contributions cap and make additional concessional contributions on a rolling basis for up to 5 years.

Non-Concessional (Annual Cap: $110,000 as at 1 July 2021): If your balance is less than $1.7 m, you may be able to make use of three times the annual non-concessional cap at once and add $330,000 to your account.

Whether your Super-Rewards contributions are concessional or non-concessional may depend on your personal circumstances. Please seek the advice of a tax accountant or financial adviser if you are unsure how to classify the payment of Super-Rewards into your super fund.

Why do I need more money in my super account?

ASFA estimates that to live a ‘comfortable’ retirement a single person needs $545,000 and a couple need $640,000 in retirement savings. Importantly, this assumes that you own your home, i.e. no rental or mortgage payments will be made once you retire.

According to ASFA, men retire with an average super balance of $270,710 and women with an average super balance of $157,500. Everyone needs more super to have a comfortable retirement, particularly women. Super-Rewards is a great way to grow super and improve your financial outlook.

Is Super-Rewards just for women?

Super-Rewards has been designed for women, as women are more disadvantaged economically, and currently retire with 58% as much super as men; please refer below to our reference materials.

However, we recognise there are many sectors of the community who could benefit from Super-Rewards and so Super-Rewards is open to any gender.

During covid, around 3 million Australians withdrew up to $20,000 from their super which now needs to be replenished in order to rebuild their super balances. What easier and more practical way, than through spending on everyday items with Super-Rewards?

Where can I learn more about women and super?

Below are some statistics about women and their retirement, with a link to each source:

Is Super-Rewards a super fund?

No, Super-Rewards is not a super fund. We provide a way for you to shop online and earn cash rewards for your super. We’ll pay your Super-Rewards into your super fund or self-managed super fund (SMSF).

How is Super-Rewards regulated?

Super Rewards Pty Ltd (ABN 90 629 681 296) is a Corporate Authorised Representative (Number: 1278321) of Shartru Wealth Management Pty Limited (ABN: 46 158 536 87, Australian Financial Services Licence Number: 422409) (Shartru Wealth). We are authorised to provide general advice on superannuation and are regulated by the Australian Securities Investment Commission (ASIC). You can read more in our Financial Services Guide.

As a Corporate Authorised Representative of Australian Financial Services (AFS) Licensee, Shartru Wealth, this means that the general advice provided by Super-Rewards is subject to the terms of the AFS licence.

Super-Rewards works in partnership with a number of leading superannuation funds and industry leaders to deliver a better service to customers.

Our technology and operational infrastructure is built to the highest standard, and utilises leaders in their fields. This includes payments provider BPAY, Amazon Web Services, and a host of others.

We are however relatively new to market and while we strive to get it right, sometime we miss. If you have useful feedback on how we can improve, please let us know at support@super-rewards.com

How can I contact you?

Email us at support@super-rewards.com

We’ll aim to get back to you within 48 hours.

How it Works

Does Super-Rewards work with any super fund?

Super Rewards works with over 150 super funds that accept voluntary contributions and have a BPAY biller code - this is virtually all funds in market.

Does Super-Rewards work if I have a Self Managed Super Fund (SMSF)?

Super-Rewards is compatible with all self managed super funds.

What if I don't have a super fund?

You need to have a super fund to use Super-Rewards. If you don’t have a super fund, we won’t be able to transfer the rewards to you.

We understand it’s not easy choosing a super fund, so you can read more about how to pick one in this article. Also, it’s worth checking to see if you do have super, there is around $14 billion of lost super out there, some could be yours! 

How do I earn Super-Rewards?

First, you’ll need to create a Super-Rewards account at www.super-rewards.com. It takes less than one minute and is free to join. You can then start shopping and earning super straightaway! You can link Super-Rewards to your super account when you join, or at any other time.

There are three ways to earn cash back into your super with Super-Rewards:

1. Using our shopping platform of www.super-rewards.com

Our shopping platform highlights retailers by category, popularity and which are new. It’s great if you’re browsing for retailer ideas, and to check out the cash back amounts.

2. Using our Chrome or Safari browser extensions

The browser extension means you can earn Super-Rewards directly from the retailer’s website, without having to log in to our platform. You’ll be prompted to activate your extension when you type in their URL. This is best when you know exactly what you want to buy from a particular retailer.

However, if you’re using a search engine for a particular product, the browser extension will also show you which retailers offer Super-Rewards. This helps you make a decision on which retailer to purchase your item from in no time!

3. Shopping directly from our promotional emails

We’ll send you emails that showcase increased cash back offers, or the latest retailers to join Super-Rewards. You don’t need to log in to Super-Rewards, you simply shop directly from the emails.

Once the purchase has been made, you’ll see the reward amount in your Super Rewards account. You should be able to view the transaction in your account within 2-7 days.

Can I shop on my mobile or tablet and earn Super-Rewards?

Yes, you can shop as you normally would on your mobile or tablet.

Make sure you either use the Super-Rewards platform or shop from our promotional emails (which do not require you to log in to the platform). That way, you’ll continue earning Super Rewards with every purchase.

The Super-Rewards Chrome or Safari browser extensions can be used on your tablet. They can’t be used on mobiles.

Are the prices on the retailer's websites higher than normal?

No, you’re purchasing from the retailer’s website and their prices are the same as if you were coming to them directly. The cash back is a commission they pay to you and us, for having directed the sale to them.

Is Super-Rewards available in store?

No, currently Super-Rewards is available online only, although we are working on an in-store solution.

Does Super-Rewards have an app?

Coming soon.

What happens if I use Super-Rewards for a particular retailer and it opens their app?

Purchases made within a particular retailer’s app will not earn Super-Rewards. This is because the tracking information from our website into the app is not passed through, and if we can’t track your purchase, then we can’t pay your Super-Rewards.

Our customers tell us that to avoid missing out on earning super, they have deleted their apps to ensure they purchase in that retailer’s website, instead of their app.

Does Super-Rewards have a browser extension?

Yes, Super-Rewards has a Chrome browser extension, as well as a Safari browser extension.

These can be downloaded for your desktop and tablet. Browser extensions do not work on mobiles.

The browser extension means you can earn Super-Rewards directly from the retailer’s website, without having to log in to the Super-Rewards platform. You’ll be prompted to activate your extension when you type in the retailer’s URL.

The browser extension also means that when you search for a product using your search engine, Super-Rewards retailers are highlighted – this helps ensure you earn Super-Rewards on every purchase.

Can I still earn loyalty points with my retailer on Super Rewards?

You can also earn loyalty points through your retailer when shopping via Super-Rewards. This is at the discretion of the retailer; make sure to check the terms and conditions of the offer, visible on that retailer's tile on the Super-Rewards platform.

Can I still purchase sale items with my retailer on Super-Rewards?

You can purchase your retailer’s sale items and still earn Super-Rewards.

Again, please check the terms and conditions for that retailer, available on the retailer’s tile on the Super-Rewards platform.

Are particular brands excluded from earning Super-Rewards with my retailer?

With retailers who offer many brands – especially those in the household, electronics or appliances categories – certain exclusions apply to earning Super-Rewards on particular brands or models.

Please check the terms and conditions of that retailer, available on their tile, prior to purchase.

How can I make sure I earn my Super-Rewards?

We can only track your purchases if you:

  • Are logged in to Super-Rewards and have clicked the retailer’s “Shop” button on our website; or
  • Shop directly from the retailer-specific promotional emails we send you

Alternatively, you can use the Super-Rewards Chrome or Safari browser extensions. When you visit the retailer’s website, you’ll receive a pop-up notification. You’ll need to ensure you have your cookies turned on and that your browser settings permit pop-ups.

We may not be able to track your rewards if:

  • Your browser is in incognito mode
  • You use a browser other than Chrome or Safari
  • You do not have your cookies turned on (see below)
  • You click on the “Shop” button, then close the window, then visit the retailer’s website directly
  • You use a coupon code that has not come from Super-Rewards
  • You use a gift card
  • You are redirected to that retailer's app

Super-Rewards reserves the right not to pay rewards where the purchase was not made in accordance with the above.

We recommend you regularly log in to your account to ensure that your rewards on purchases have been properly credited and that your account balance is up to date. If you identify any missing rewards, errors or discrepancies, please notify Super-Rewards as soon as possible, but ideally within 60 days of the purchase date.

We will not be able to investigate any missing or incorrect rewards if you do not provide a copy of your purchase receipt detailing Order ID, date of purchase and purchase amount.

How can I enable my cookies?

To track your purchases, you’ll need to have your cookies enabled. Here are instructions on how to do that.

How do I know if my purchase successfully earned Super-Rewards?

When you purchase on a retailer’s website, the transaction will likely show in your Super-Rewards account within 24 hours. Some retailers take a little longer though, and so we generally advise to give it up to 7 days before contacting us.

How is my shopping tracked?

When you click on “Shop” for a retailer in your Super-Rewards account we are able to track your purchase using a “cookie”. A cookie is a message sent to a web browser that is stored in a text file. When you click on the “Shop” button we track the purchase details, store it in a text file and use it to:

  • Confirm your purchase amount with the retailer
  • Calculate the value of your Super-Rewards
  • Update your Super-Rewards account with the cash rewards you’ve earned to date

Using cookies is a widespread practice online and does not create any security issues for your computer.

When will I see the Super-Rewards in my account?

How quickly you’ll see the rewards in your account depends on the retailer. Most transactions will show up under "My Rewards" and “My Transactions” within 24 hours but usually within 7 days, although some may take up to 30 days.

When will Super-Rewards be paid into my super?

Once we receive the funds from the retailers, we'll pay them into your super on the next monthly payment date.

Payment by the retailers to Super-Rewards are generally received within 30-45 days after your purchase, however some retailers can take up to another 90 days after this. Super-Rewards is only able to pay you once we receive the funds from the retailers.

When you log into your Super Rewards account, you’ll see the balance of your Super Rewards under “My Rewards”.

Your Super Rewards move through three stages:

1. Pending: After you make a transaction you can view the transaction details, i.e. the name of the retailer, the amount that is eligible and the cash reward earned, under “Transactions”. A transaction will show up within 2-7 days after purchase. A retailer may exclude particular products or brands from earning rewards; this will be why the amount you spend, and the amount that is eligible for a reward, may differ.

2. Processed: After a reward is confirmed by the retailer, the retailer pays the cash reward amount to Super-Rewards. This is generally within 30-45 days after your purchase, however some retailers can take up to another 90 days after this. Once in the Super-Rewards trust account, these amounts are now ready to be paid into your super. We make payments monthly into your super, between the 15th and 20th of each month.

The amount of funds that are ready to be paid into your super are shown in "Total Contributions".

3. Paid: After the cash rewards are paid into your super they move from ready to be paid and are added to “Total Contributions”.

How can I check my Super Rewards amount?

When you log in to your Super-Rewards account, you will see the total Super-Rewards you’ve earned under “My Rewards”.

To see a breakdown of your Super-Rewards by purchase, you can view a list of each purchase and rewards under “My Rewards” and “Transactions”.

You can see the total amount of Super-Rewards paid into your super under “Total Contributions”. Here you’ll also be able to see how many Super-Rewards are ready and waiting to be paid into your super.

Following the end of the financial year, we’ll provide a statement with the total amount of cash rewards that have been paid into your super for that year. You can access this via “My Account” and “My Documents”.

How do I link my Super-Rewards account to my super fund?

To link your Super-Rewards account to your super fund, you’ll need to go to “My Account” and "My Super" and tell us:

  • Your details;
  • Which super fund you’re with; and
  • The BPAY details of the fund: its Biller Code and Biller Reference Number

If you have a Self Managed Super Fund (SMSF), you will need to provide us with:

  • The name of your SMSF (e.g. The Jones Family Super Fund)
  • The ABN of your SMSF (11 digits)
  • Your SMSF bank account name (i.e. this is the name of the trustee of your SMSF, not the name of the bank)
  • Your SMSF bank account BSB (6 digits)
  • Your SMSF bank account number

How are my Super-Rewards paid into my super fund?

Once you have linked your Super-Rewards account to your super fund, and we have received the rewards payment from the retailer, we’ll transfer your available Super-Rewards into your super fund between the 15th and 20th of the next month, provided there is at least $1 ready to be paid, and the payment meets all requirements of your super fund.

When do I need to enter my super details?

You can start shopping before you have provided us with your super details. However, we cannot pay into your super fund until we have your super details. We suggest you provide your super account details as soon as possible to ensure there are no delays in making payment of Super-Rewards to your super.

We need your super account details at least 2 weeks before our next payment cycle.

To provide your details, login and add your super details under "My Account" and "My Super". We’ll also follow up with emails to remind you to provide your details.

Is there a minimum Super-Rewards balance before paying into my super?

We transfer any Super-Rewards amount greater than $1, which is the BPAY minimum.

The below is a list of some superannuation funds that have a minimum payment amount for personal contributions via BPAY. This is not an exhaustive list and should not be relied upon, you should always check the Product Disclosure Statement of your fund to determine if there is a minimum amount.

Australian Catholic Super (Biller Code 444232) - $20

LGIA (Biller Code 171108) - $10

REI Super (Biller Code 767491) - $10

Legalsuper (Biller Code 29728) - $5

Caresuper (Biller Code 929893) - $5

Government Employees Superannuation Board (Biller Code 182493) - $20

Super SA (Biller Code 465104) - $50

Netwealth (Biller Code 156505) - $10

AMP (Biller Code 798983) - $5

First Super (Biller Code 102194) - $5

Vicsuper (Biller Code 908046 and 908061) - $20

IOOF – Pursuit Select Personal Super (Biller Code 172320) - $200

If you are with any of the funds listed above we will wait until you accumulate the minimum amount in rewards before transferring them across to your super account.

How do I change the super fund linked to my Super-Rewards account?

To link your Super-Rewards account to your new super fund, you’ll need to go to “My Account” and "My Super" and select your new super fund from the dropdown list. You’ll need to provide the BPAY details of that fund: its Biller Code and Customer Reference Number.

So long as this change is made more than two weeks before our next payment cycle, any Super-Rewards payment you are expecting will be made into your new super fund.

What happens if I don't set up my super payment details?

If you have not provided your super fund payment details to us, or you do not respond to our requests to provide correct details, your rewards will stay in Super-Rewards until you provide us with these details, provided that you continue to shop and earn rewards. However, we reserve the right to suspend your account.

If we have made repeated attempts to contact you by a combination of phone, email and SMS over a period of 12 months and you have not shopped within that 12 month period then we will close your account and you will lose your Super-Rewards. We will notify you one final time, 30 days prior to closing your account, by email and SMS to the details listed in your account.

Once your account is closed, you waive any right or claim with respect to your Super Rewards. We will retain an administration fee of up to $1 and transfer any remaining rewards balance in your account to a charity of our choice.

Signing Up

How much does Super-Rewards cost?

Super-Rewards is free to join.

We take a percentage of each cash reward from the retailer; this is known as a referral commission. All cash reward offers and amounts you see in your Super-Rewards dashboard are net of the referral commission. This means that if the cash back offered on Super-Rewards is 7.50%, this is net of our referral commission and you’ll receive the full 7.50%. Please see our Financial Services Guide for more information. 

Can anyone use Super-Rewards?

Super-Rewards can be used by anyone who is 18 years or older and under 67 years old. For those outside this age range certain restrictions apply:

  • If you are younger than 14 and 9 months, or 75 or older: you cannot use Super-Rewards as you are not able to make contributions to your super
  • If you are between 14 and 9 months, and under 18: you can use Super-Rewards if you are working at least 30 hours a week and are eligible to contribute money to your super
  • If you are over 67 and up to 28 days after you turn 75: you can use Super-Rewards if you meet the Work Test or are otherwise eligible to make voluntary contributions to your super.

Can I use Super-Rewards if I live outside Australia?

No, Super-Rewards is currently only available to those living in Australia.

Why do I need to provide my DOB?

The key reason why we need your date of birth is because there are certain age restrictions that apply to superannuation (see above).For example, there is both a minimum and maximum age for making super contributions. To comply with these regulations, we need to know your date of birth.

Why do I need to provide my mobile number?

Super-Rewards will use your mobile number for notifications and to contact you if required, for example to verify a purchase.

If everything is online, why do I need to provide my postcode?

Whilst we do not require your full address, we do need to verify that you are based in Australia, as Super-Rewards is only able to offer its services in Australia.

How can I be sure that the information I provide you with is safe?

Our Privacy Policy sets out how we use your data. All your data is stored and hosted in Australian based data centres only, using Amazon Web Services. 

Our security has been audited by global security experts GridWare – whose services are utilised by Australian based banks. We also perform automated monitoring for malware and actively monitor for intrusion detection.

How do I update my personal information, password or super fund details?

You can view and update your details by logging in to Super-Rewards and clicking on “My Account”. There you’ll be able to view, edit and save your personal information.

There may be occasions where we require you to contact us in order to make a change on your account; this is for security reasons.

Where can I find important documents?

You can view important documents by logging in to Super-Rewards and clicking on “My Account”. There you’ll see “My Documents”, which includes a copy of our Privacy Policy, Financial Services Guide and Terms of Service.

What happens if I forget my password?

Go to super-rewards.com/forgot-password. At the bottom of the page, click on “Forgot your password”. You’ll receive instructions on how to reset your password.

How do I close my account?

If you’d like to close your account, please send an email to support@super-rewards.com. We’d love your feedback, so please be sure to tell us why you’d like to close your account.

Prior to closing your account, please make sure you’ve completed your super payment details and that any remaining rewards have been transferred to your super fund. Once your account is closed, you will no longer be able to access your Super-Rewards.

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© Super Rewards Pty Ltd ABN 90629681296

Disclaimer: This information is general advice and does not take account of the individual’s objectives, financial situation or needs. Before acting on this general advice, individuals should therefore consider the appropriateness of the advice having regard to their objectives, financial situation or needs. Prices, offers and rewards are subject to change without notice. Restrictions may apply. The information in this website is prepared by Super Rewards Pty Limited (ABN 90 629 681 296)(Super Rewards), a corporate authorised representative of Shartru Wealth Management Pty Ltd (ABN 46 158 536 871 and AFSL 422409). The content of this website has been prepared for informational purposes only and is not intended to amount to financial product advice or a recommendation. Please note that any cash rewards earned through Super Rewards will be paid into your super and will not be accessible until you meet a condition of release.

Address: Level 26, 1 Bligh Street, Sydney, NSW 2000 | Phone Number: 02 8226 8518