Frequently Asked Questions (FAQ)

About Super Rewards

Super-Rewards is an online shopping platform where retailers pay you 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.

Traditionally, money for your super 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 get money into your super account, and it’s free to join.  We’ve partnered with over one hundred retailers who’ll pay money into your super every time you purchase online through the Super-Rewards platform.

You can now be rewarded for the online shopping you’ve already been doing in your daily life and start building a more comfortable retirement at the same time.

We’ve partnered with great retailers to make sure you’ll be rewarded whenever you shop through Super-Rewards. All of these retailers care about the superannuation gap and want to see it disappear. It is these retailers that are giving the cash rewards when you shop via Super-Rewards.  It is their way of rewarding you for being a loyal customer and of helping you achieve a more comfortable retirement.

Each time you shop online with Super-Rewards, you’ll earn cash back and we’ll transfer that cash straight into your super.  This way you’ll be increasing your super without having to contribute with your own hard-earned money.

Contributing small amounts to your super over time makes a big difference, thanks to the magic of compound interest.

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 (currently 9.50%) that your employer pays into your super, and any salary sacrifice amounts.  Concessional contributions are taxed at 15%.

Non-Concessional Contributions – These are after-tax 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:

TypeAnnual CapExceptions
Concessional$25,000If your super balance is less than $500,000, you can carry forward the unused portion of your concessional contributions caps on a rolling basis for 5 years.
Non-Concessional$100,000If your balance is less than $1.4 m, you can make use of three years worth of caps at once and add $300,000 to your account.

Super-Rewards are non-concessional contributions.

ASFA estimates that to live a ‘comfortable’ retirement a single person needs $545,000 and a couple need $640,000. 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.

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.

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

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.

Super-Rewards is an authorised representative of Shartru Wealth Management Pty Ltd (ABN  46 158 536 871 and AFSL 422409).  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.

There’re lots of ways to get in touch, you can:

Email us at hello@super-rewards.com

Message us on Twitter or Facebook

 

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

How it works

Yes, Super-Rewards works with any super fund, including self-managed super funds. Once you earn your Super-Rewards, you can transfer them into your existing fund.

You can start earning Super-Rewards in just a few steps:

  1. Sign up online at super-rewards.com.au
  2. Login to your Super-Rewards account and start shopping

To start shopping, simply login to your Super-Rewards account.  There you’ll see a list of the current offers from our retail partners.  To view all offers, click on the menu heading “Retailers”.

Once you see an offer you like, click on “Shop”.  A new window will open and you’ll see the retailer’s website.

When you’re on their website, just shop as usual – you don’t need to do anything special or enter any coupon code.

Once the purchase has been made, you’ll see the reward amount in your Super-Rewards account.  The amount may initially be shown as “Pending”.  You should be able to view the transaction in your account within 2-7 days.

Yes, you can shop as you normally would on your mobile as well, just make sure you do so via the Super-Rewards platform. That way, you’ll continue earning Super-Rewards with every purchase.

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 on this article. Also, it’s worth checking to see if you do have super, there is around $18 billion of lost super out there, some could be yours! 

No, currently Super-Rewards is available online only. However we will be available in store later in 2020.

No, if you have a coupon code you won’t be able to use it on Super-Rewards.  Our retailers provide great offers to our members, and these offers cannot be used in conjunction with any other offer.

It is possible to earn loyalty points through your retailer when shopping via Super-Rewards.  However, this is at the discretion of the retailer. To confirm whether you can earn points, please check the Terms and Conditions of the offer.  You can find the Terms and Conditions by going to the menu heading “Retailers” clicking on the specific retailer you want and you’ll be presented with a pop-up window, in which you’ll find “Terms and Conditions”.

We can only track your purchases if you are:

  • Logged onto Super-Rewards
  • Have clicked the retailer’s “Shop” button on our website
  • Have your Cookies turned on (see below)

We cannot track your rewards if:

  • Your browser is in incognito mode
  • You click on the “Shop” button, then close the window, then visit the retailer’s website directly

Use a coupon code that has not come from Super-Rewards.

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.

To track your purchases, you’ll need to have your cookies enabled.  

How quickly you’ll see the rewards in your account depends on the retailer.  Most transactions will show up in “My Transactions” within 2-7 days, although some may take up to 30 days.

It takes around 90 days from when you shop for the Super-Rewards to be paid into your super.

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

Your Super-Rewards move through three stages:

  1. Recorded: After you make a transaction you can view the transaction details i.e. the name of the retailer, the amount you spent and the cash reward earned under “My Transactions”. A transaction will show up within 2-7 days after purchase.
  2. Ready: After a reward is confirmed by the retailer, the retailer pays the cash reward amount to Super-Rewards. This can take up to 90 days. Once in the Super-Rewards account, these amounts are now ready to be paid into your super.  

 

The amount of funds that are ready to be paid into your super are shown in “My Payments” under “My Contributions”, with a footnote showing those amounts that have been paid into your super, and those amounts that are ready to be paid into your super.

  1. Contributed: After the cash rewards are paid into your super they are shown as a contribution. You can see the “Total Contributions” within “My Rewards”.  It takes around 90 days after you shop for the Super-Rewards to be paid into your super.

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

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

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

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

To transfer your Super-Rewards into your super account, you’ll need to go to “Set up My Super Payments” and tell us:

  • Your details;
  • Which super fund you’re with; and
  • The BPAY details of the fund

You only need to complete this information once.  Super-Rewards will then automatically pay any available Super-Rewards into your super fund on the 15th of the month, provided there is at least $5.01 of available rewards (or the minimum amount required by your super fund, if higher).

We need your payment details at least 2 business days before our next payment cycle.

Please see What if I have a self-managed super fund (SMSF)? if you have a self-managed super fund.

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.  It takes around 90 days after a transaction for us to receive the funds from the retailer and pay it into your super account.  Therefore we suggest that you provide your super account details within 90 days.

To provide your details, login and you should see a section called My Notifications where we prompt you to enter your super details.  We’ll also follow up with emails to remind you to provide your details.  To edit your super details you can go to My Account (the head shape in the menu bar on the right hand side) and see your super details under My Super.

Yes. Super-Rewards accumulates your rewards until they reach a minimum of $5.01 before transferring the funds to your super account.

Some superannuation funds have a minimum payment amount for after-tax contributions via BPAY. We recommend that you check the Product Disclosure Statement of your super fund to find out if there is a minimum amount.

The below is a list of some funds that have minimum transfer amounts.  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. 

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

Superannuation Fund

Minimum Amount

Q Super

$10

Tasplan

$10

Australian Catholic Super

$10

Vic Super

$20

Government Employees Superannuation Board

$20

Super SA

$50

IOOF – Pursuit Select Personnel Super (Plan B)

$200

BPAY is a secure way of making payments that is used by over 45,000 billers, including utility providers, banks and super funds.

Super Rewards uses BPAY to pay your Super Rewards into your super fund.  To do this, you need to provide us with:

  • The biller code of your super fund
  • The customer reference number for making non-concessional contributions. These are sometimes called voluntary contributions or personal contributions.

This information is available via your super fund in your latest statement.  If you’re not sure where to find it, please click here for more details.

If you have a self-managed super fund, you’ll need to tell us the:
• Name of your SMSF
• ABN
• Details of your SMSF bank account – i.e. BSB and account number.
Once we have the above information, and have received the rewards payment from the retailer, we’ll transfer your available Super-Rewards into your super fund on the 15th of the next month, provided there is at least $5.01 in your account (more for some super funds), and the payment meets all requirements of your super fund.  
 
Sometimes we won’t be able to make the payment to your super fund. For example, if you have given us incorrect details, we will not be able to make the payment. In these cases we will try to contact you to let you know about the issue.
 
Another situation where we might not be able to make the payment is if you have not provided your TFN; if you are not eligible to make non-concessional contributions; or if your super fund is not eligible to receive non-concessional contributions. If you have any questions about whether you can make these kinds of contributions, you should first check with your super fund.
 
If your super fund has set a minimum amount for payment, we will hold onto your rewards until you have accumulated enough to meet your fund’s minimum amount.
Where we cannot make the payment and it looks like we won’t be able to make it in the future (eg your fund advises us that it cannot receive non-concessional contributions) we will try to contact you and make appropriate arrangements for your rewards. 
For example, if you have more than one fund you might want to give us the details of your other fund.

You can update the details of your super fund in “My Account” by clicking on “My Super” and amending the details.

Your Super-Rewards will stay in Super-Rewards until you provide us with your super payment details.  As long as you login regularly, you will keep your rewards.

If you have not logged into your account for 12 months, then we will close your account and you will lose your Super-Rewards.  We will notify you in advance of this happening.

No. You can only choose one fund to link Super-Rewards to. You are not able to split Super-Rewards between two or more funds.

No, Super-Rewards is specifically for topping up your super account.  Our goal is to close the super gap and help everyone have a more comfortable retirement.  Future you will thank you.

No, there are strict restrictions on when you can access your super.  Generally, you can only access it once you hit 65 years of age, or if you hit Preservation Age (currently 60) and retire. 

Super-Rewards are non-concessional personal contributions. You can read more about the different kinds of contributions to super at What kind of contribution is Super Rewards?

We can’t transfer the available funds into your super account until you’ve provided us with your super fund payment details and we’ve received the rewards payment from the retailer. You can do this by going to “My Payments” (above) and completing the details.

You only need to complete the payment details once.  When we have your payment details, we’ll automatically transfer your Super-Rewards into your super account every month, provided that you have met your super fund’s requirements.

Log into your Super-Rewards account and go to “My Rewards”.  There you’ll see the amount of Super-Rewards you’ve earned to date under “My Progress”.  You will also see the amount of Super-Rewards that have been transferred into you Super Fund, under “My Contributions”.

Go to “My Payments” to see how many rewards are available for payment on our next monthly payment cycle.

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

Most transactions will appear in your Super-Rewards within 2-7 days, although some may take up to 30 days.

If it’s been over 30 days and you think you’ve missed out on a reward, please send an email to hello@super-rewards.com and tell us what happened.  We can only respond to purchases that have been made within the last 60 days. If it is past 60 days, we cannot follow up the purchase. 

When you email us be sure to include:

  • Name of the retailer you ordered with;
  • Order number;
  • Amount of the purchase;
  • Date of the purchase

We aim to respond to emails within 2 business days, although it may take longer to resolve any cash back issues.

You can review the details of your shopping and the Super-Rewards earned under “My Rewards”.  When calculating the reward due, keep in mind:

  • Brands don’t pay cash rewards on GST
  • Brands don’t pay cash rewards on shipping

Also, for us to track your Super-Rewards we recommend that you follow the steps above.

If you still think the Super-Rewards amount is incorrect, please send an email to hello@super-rewards.com and tell us what happened.  We can only respond to purchases that have been made within the last 60 days. If it is past 60 days, we cannot follow up the purchase.  Be sure to include:

  • Brand you ordered with
  • Order number
  • Amount of the purchase
  • Date of the purchase

We aim to respond to emails within 2 business days, although it may take longer to resolve any cash back issues.

When a Super-Rewards is shown in your transactions, it is subject to confirmation by the retailer.  There are times that the retailer may decline to pay Super -ewards on the transaction.  If this happens, the Super-Rewards earned will decrease to $0.

The retailer may decline to pay if:

  • You have returned or cancelled the order;
  • The purchase did not meet the retailers terms and conditions:
  • You used a coupon code that was not from the Super-Rewards website

If you think your transaction was declined incorrectly, please send an email to hello@super-rewards.com and tell us what happened.  We can only respond to purchases that have been made within the last 60 days. If it is past 60 days, we cannot follow up the purchase.  Be sure to include:

  • Brand you ordered with
  • Order number
  • Amount of the purchase
  • Date of the purchase

We aim to respond to emails within 2 business days, although it may take longer to resolve any cash back issues.

Signing Up

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%

Super-Rewards can be used by anyone who is between 18 and 65 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 65 but under 66: You can use Super-Rewards if you meet the Work Test or have a super balance of less than $300,000
  • If you are over 66 and under 75: You can use Super-Rewards if you meet the Work Test

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

There are two key reasons why we need your date of birth:

  • 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.
  • To make payments to your super fund we need your date of birth to identify you and ensure that the payment goes to the right account.

Super Rewards will use your mobile number for notifications and to contact you if required, for example to verify a purchase. We won’t use it for marketing purposes.

In order to transfer funds into your super account, Super Rewards needs to be able to identify you. In order to do this, we require your full name, date of birth and address. Also, we need to verify that you are based in Australia, as Super Rewards is only able to offer its services in Australia.

Our Privacy Policy sets out how we use your data.  All your data is stored and hosted in Australian based data centers only. 

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

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

You can view important documents by logging into 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.

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

If you’d like to close your account, please send an email to hello@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 payment details and that any remaining rewards have been transferred to your super fund.  Once your account is closed, you won’t be able to access your Super Rewards. 

Retailers

This is a quick view of a collection of our retailers. To view all, please go to super-rewards.com.au

Accessories

Threadicated

Threadicated

Nautica

Nautica

katespade

Kate Spade

oroton

Oroton

witchery

Witchery

Baby and Children

kidsbrightstar

Bright Star

Bright Star Kids

Queen Bee

Queen Bee

Queen Bee

thatbabyshop

That Baby Shop

Beauty

nudebynature

Nude by Nature

fresh

Fresh

Fresh

endotaspa

Endota Spa

Endota Spa

sephora

Sephora

Sephora

Nourished Life

Nourished Life

Nourished Life

HARDTOFIND

Hard to find

Hard to find

Clothing and Fashion

modibodi

Modibodi

Modibodi

rockmans

Rockmans

Rockmans

hellomolly

Hello Molly

Hello Molly

showpo

Showpo

Showpo

ugg

Ugg

Ugg

Gabo+Kelly

Gabo+Kelly

Gabo+Kelly

Lacosta

Lacosta

Lacosta

Rodd & Gunn

Rodd & Gunn

Rodd & Gunn

THEICONIC

THE ICONIC

THE ICONIC

COUNTRYROAD

COUNTRY ROAD

COUNTRY ROAD

seike

Seike

bonds

Bonds

Lingerie and Swimwear​

sunburn

Sunwear

Sunburn

seafolly

Seafolly

brasnthings

Bras 'n Things

bendon lingerie

Bendon Lingerie

Electronics

bing lee

Bing Lee

Bing Lee

Apple

Apple

Bose

Bose

Bose

Lenovo

Lenovo

Lenovo

Men's Fashion

Gabo+Kelly

Garbo & Kelly

Rodd & Gunn

Rodd & Gunn

Food and Drink

Woolworths

Woolworths

Woolworths

BWS

BWS

BWS

marley spoon

Marley Spoon

Marley Spoon

vinomofo

vinomofo

vinomofo

jimmybrings

jimmy brings

jimmy brings

gourmet basket

Gourmet Basket

Gourmet Basket

edibleblooms

Edible Blooms

Edible Blooms

getwinesdirect

Get Wines Direct

Get Wines Direct

Home Entertainment

JBL

JBL

JBL

Home and Gifts

BookTopia

BookTopia

petals

Petals

Petals

interflora

Interflora

Interflora

livingstyles

Living Styles

Living Styles

adrenaline

Adrenaline

Adrenaline

Homewares

thegoodguys

The Good Guys

The Good Guys

lowes

Lowes

Lowes

Household

Renovation Store

Renovation Store

Renovation Store

Shoes

Hushpuppies

Hush Puppies

Ugg

Sport and Fitness

puma

Puma

Puma

footlocker

Footlocker

Footlocker

Travel

hotelscombined

Hotels Combined

Hotels Combined

travelinsurance

Travel insurance

Travel insurance

covermore

Cover More

Cover More

viator

Viator

Viator

edreams

eDreams

eDreams

qatar

Qatar

Qatar

pocruises

P & O Cruises

P & O Cruises

sta travel

Sta Travel

Sta Travel