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.

* 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.

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 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.

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.

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 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).  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

Super Rewards works with all super funds and self-managed super funds that accept voluntary contributions.

 

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! 

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.  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.

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.  Here are instructions on how to do that.

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.

 

  1. 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. We make payments quarterly into your super on 15 January, 15 April, 15 July and 15 October. 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. 

Following 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

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 quarter, 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.

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

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. 

Superannuation Fund

Minimum Amount

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

 

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.

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%.  Please see our Financial Services Guide for more information. 

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