Cashback on Bills in Australia
Pay less for broadband, mobile, energy and insurance. Compare the whole bill first, then use cashback to improve a deal that already makes sense.
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Start with the bill you’re about to renew. Compare its full cost against a suitable alternative, including any price rise after an introductory offer. Check ShopBack and TopCashback before signing up. Cashback is conditional and usually arrives later; it is not money off your next bill.
Is the cashback deal actually cheaper?
Compare the same service over the same period. Add setup, modem, delivery and exit costs, then subtract guaranteed discounts. Calculate the total both with and without cashback so you know what happens if it is declined.
A $100 reward can still leave you worse off
Illustrative broadband comparison over 12 months, with no other fees.
Plan A · no cashback
- Monthly bill
- $70
- 12 months
- $840
- Total cost
- $840
Plan B · $100 cashback
- Monthly bill
- $80
- 12 months
- $960
- If cashback is paid
- −$100
- Total after cashback
- $860
Plan A is still $20 cheaper. If cashback is declined, Plan B costs $120 more. Compare speed, coverage and service quality too.
Where to find cashback on household bills
Offers change by provider, product and customer type. Use these starting points to find the eligible plan and read its terms before you switch.
Broadband and NBN
Compare the first-year total, typical evening speed and the price after the introductory discount ends. Check whether leaving early triggers a modem repayment or whether you need to buy new equipment.
TopCashback has listings for Aussie Broadband and MATE Internet & Mobile. Their advertised maximums are $60 and $25 respectively at this update; the amount depends on the eligible purchase. Compare the exact plan against ShopBack before choosing a route.
Check before switching: new-customer definition, eligible speed tier, activation deadline and minimum time you must keep the service.
Mobile and SIM-only plans
A low ongoing price can beat a large signup reward. Compare data you will actually use, coverage where you live, recharge length and the renewal price. A 28-day recharge does not cost the same per year as a calendar-month plan.
Everyday Mobile from Woolworths on TopCashback advertises up to $30 at this update. Check the eligible plan rather than assuming every SIM or recharge earns that amount.
Check before switching: whether you must transfer an existing number, activate by a deadline or be a new customer. Do not assume renewals earn cashback.
Electricity and gas
Use your actual usage to compare supply charges, usage rates and any solar feed-in tariff. An energy comparison service may show only its partner retailers, so use an independent comparison as well.
Energy Made Easy is a free government service for NSW, Queensland, SA, Tasmania and the ACT. Victorian households can use Victorian Energy Compare. Retailer choice depends on your location and connection.
For ShopBack’s Compare Electricity and Gas offer, the terms include a minimum 75-day stay and exclude direct Econnex signups. Eligibility also depends on customer status and being the property owner or primary leaseholder. Check the live amount for electricity, gas or both.
Check before switching: the total annual estimate, any conditional discounts and how long you must stay for cashback.
Insurance
Compare equivalent cover, excesses, exclusions and the annual premium. A cashback reward does not make a policy suitable if it leaves out something you need. Check the policy documents before cancelling existing cover.
Compare the Market on ShopBack requires a completed eligible policy purchase, not just a quote. Its terms require policies to remain paid and active for at least 90 days. The cashback offer covers eligible insurance products, not its energy or broadband comparisons.
Check before switching: the product-specific amount and exclusions. Compare the Market gift-card offers cannot be combined with this ShopBack cashback.
ShopBack or TopCashback for bills?
Neither wins for every bill. Compare the cashback available for the exact plan, the signup price reached through each platform, and the conditions. Use one cashback platform for the transaction.
ShopBack
Useful for browsing energy and insurance comparison offers as well as individual providers. Start with the finance and utilities listings, then open the merchant’s own cashback page.
Referral link. Existing members can go straight to the merchant listing.
TopCashback
Worth checking alongside ShopBack for broadband and mobile. Compare the merchant-level terms, especially the qualifying purchase and when cashback becomes payable.
Already a member? Sign in before starting the purchase.
New to TopCashback? Keep signup offers separate
The $25 new-member promotion requires joining through that specific page by 31 December 2026 and spending $25 on qualifying purchases within 180 days. VPN purchases and gift cards bought through Amazon are excluded. The bonus becomes available after the qualifying cashback reaches available status.
It cannot be combined with another new-member deal. An ordinary referral link is a different signup route; do not count both bonuses.
See the $25 offer and full termsHow to claim cashback when switching
- Compare the underlying deal. Keep a copy of the plan price, product details and any compulsory fees.
- Read the cashback terms before clicking through. Note the eligible product, new-customer rules, activation deadline and minimum stay. Save the offer and terms with the date.
- Start from your chosen cashback account. Follow its tracking instructions. Avoid another cashback extension, advertisement or comparison link taking over the referral before you finish.
- Complete the signup through the eligible route. Use only permitted coupon codes. Do not switch into a retailer app or complete by phone unless the offer explicitly supports it.
- Keep the confirmation and check tracking. Record the order or policy reference. Set a reminder for the merchant’s stated tracking time and missing-cashback claim deadline.
- Wait for approval before counting the money. A tracked or pending transaction is not a confirmed payout. Keep the service active for the required period.
What can stop cashback being paid?
- The wrong purchase: an excluded plan, renewal or quote without an eligible completed signup.
- Broken tracking: blocked cookies, ad blockers, VPNs or another referral link can interfere. Follow the platform’s instructions for that transaction.
- An unapproved offer combination: a coupon, gift card or competing signup promotion can invalidate eligibility.
- A cancellation or missed condition: cancelling, pausing or failing a minimum stay may cause the merchant to decline the reward.
If cashback is missing, check the merchant’s tracking window first, then use your cashback account’s claim process with the purchase reference and saved offer details.
Cashback on bills: common questions
Can I get cashback just for paying an existing bill?
These cashback-platform offers usually reward an eligible signup or purchase through a tracked link. Paying your existing bill by BPAY or direct debit does not automatically qualify. Ongoing card or bank-account cashback has separate rules.
Can I use ShopBack and TopCashback on the same switch?
Do not expect two payouts for one purchase. Choose one platform and complete the signup through it. Opening a second cashback link can replace the first referral.
Can I switch again as soon as cashback tracks?
Tracking does not mean the reward is approved. Check the required stay, activation conditions and cancellation rules before switching again.
How long does bill cashback take?
It varies by merchant. Some offers need months of active service before approval. Read the stated tracking and confirmation periods separately; money showing as pending may not yet be withdrawable.
Are cashback rates guaranteed to stay the same?
No. Amounts and eligibility can change, and an advertised “up to” rate may apply only to selected products. Recheck the merchant page immediately before clicking through and save the offer you use.
Choosing between supermarket rewards and travel points? Use our Flybuys Dollars vs Velocity Points calculator to compare shopping credit with the value of a flight after fees.
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