From cash back to upfront discounts, Absa Rewards makes getting more even better. Not only will you get rewarded for the products you have, but also for the way you bank. What are you waiting for? Start enjoying the world of Rewards today.


You work hard for your money, now make your money work for you with Absa Rewards and an Absa cheque or credit card.

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Get cash back

Get cash back from swiping your Absa card.

Cash rewards
Cash Rewards

Choose the way you want to spend your Rewards, from cash to airtime and more.

No membership card

Simply swipe your Absa debit or credit card to earn Cash Rewards.

Get rewarded for your everyday shopping and banking


To join Absa Rewards, all you need is an Absa transactional account or credit card. You’ll earn when you swipe at stores - in store or online - and even get cash back from selected partners.


As much as 1.15% in cash back for in-store and online purchases


As much as 15% cash back from over 20 partners


As much as 20% cash back at participating grocers


As much as 20% cash back when you fill up and shop at Sasol

  • How to earn more Rewards

    Boost your Cash Rewards and move up a tier by adding products or improving the way you bank. You’ll be a top tier earner in no time!

    These ten banking products can help you move up a tier:

    Banking Products
    Category Product type Monthly Score
    Transactional product categories Transactional savings account and/or cheque account without an overdraft or 100
      Transactional cheque account with an overdraft 150
      Credit card with a debit order towards monthly repayments 50
    Non-transactional product categories Home loan with a minimum outstanding balance of R5 000 and a debit order towards monthly repayments 75
      Absa Vehicle and Asset Finance with a minimum outstanding balance of R5 000 and a debit order towards monthly repayments 50
      Personal loan with a minimum outstanding balance of R5 000 and a debit order towards monthly repayment 50
      Savings and investments including Unit Trusts, Tax free savings investment and Currency investment account with a minimum combined investment balance of R5 000 (Five thousand Rand)* 50
      Insurance product (short or long-term insurance that is active) 15
      Wills (in safe custody with Absa and Absa as the appointed executor) 10

    *Excluding: Absa Money Market Fund, Income and Growth Performa, Club Account, Travel Club, Investment Club, Grocery Club and Liquidity Plus accounts

    These seven banking activities can help you move up a tier:

    Banking Activities
    Category Activity type
    Monthly Score

    Bank digitally

    Receive monthly eStatements (email) instead of paper ones for the products that contribute towards your tier.


    Make five or more online beneficiary payments via Absa Online, Absa Banking App, ATM and USSD during the month.


    Keep in contact

    Ensure you have valid contact details for at least two of the following: cell number, email address, home/work number.


    Marketing consent

    Give marketing consent for at least two of these channels: SMS, email, telephone.


    Use our banking products

    Deposit your salary into your Absa transactional account and complete 10 or more transactions or make payments to the value of R32 000 and complete 10 or more transactions. Score awarded if you have met this criteria during the current and previous month.


    International transactions

    Buy foreign bank notes or make/receive an international (SWIFT) payment.


    Bonus score

    Have three or more Home Loans, Vehicle Asset loans or a combination thereof. Each loan must have a minimum outstanding balance of R5 000 and a debit order towards monthly repayments to qualify for this score.


    Recurring monthly deposit payments

    We will allocate a score to you every month if you have a recurring monthly payment equal to or greater than R250 (Two hundred and Fifty Rand) into your Savings and Investments Accounts.

    Score awarded if you have met this criterion for two consecutive months (as depicted in the primary rule).


    *Excluding: Absa Money Market Fund, Income and Growth Performa, Club Account, Travel Club, Investment Club, Grocery Club and Liquidity Plus accounts

  • Cash Rewards from Absa

    The percentage of Cash Rewards you can earn is determined by your Rewards tier, which is calculated monthly based on the products you have and the way you bank. You will also enjoy higher earn rates when you use your credit card. View our terms and conditions for more information regarding the accrual period, qualifying purchases and exclusions.

    Rewards tier
    Score range
    Earn rate:
    Debit card
    Earn rate:
    Credit card
    Earn rate: Multi-currency Cash Passport card
    Tier 1 0 – 479 0.15% 0.20% 0.25%
    Tier 2 480 – 579 0.25% 0.40% 0.50%
    Tier 3 580 – 679 0.30% 0.75% 0.80%
    Tier 4 680 – 779 0.35% 0.95% 1.00%
    Tier 5 780+ 0.40% 1.15% 1.25%
  • Cash Rewards at Sasol

    Earn cash rewards every time you fill up or make purchases at Sasol. You will also increase your earning rate just by using your credit card.

    Please note that this excludes bill payments, pre-paid airtime, electricity and lotto purchases. You will only earn cash rewards on the first R3 000 (three thousand rand) that you spend at Sasol during the accrual period.

    Rewards tier
    Score range
    Earn rate: Debit card
    Earn rate: Credit card
    Tier 1 0 – 479 0.50% 1.00%
    Tier 2 480 – 579 0.65% 1.50%
    Tier 3 580 – 679 0.75% 2.50%
    Tier 4 680 – 779 2.00% 6.50%
    Tier 5 780+ 4.50% 20.00%
  • Cash Rewards at grocery partners

    We have recently added a grocery earn benefit to the programme where you can earn as much as 20% cash back when you swipe your Absa card at the following participating grocers:

    • Checkers
    • Checkers Hyper
    • Food Lovers Market
    • Fruit & Veg City
    • OK Food
    • Pick n Pay
    • Shoprite
    • SPAR
    • Woolworths
    • Woolworths Food
    • Woolworths online
    Rewards tier
    Earn rate: Debit card
    Earn rate: Credit card
    Tier 1 0.15% 0.20%
    Tier 2 0.45% 0.65%
    Tier 3 0.50% 1.25%
    Tier 4 1.5% 6.25%
    Tier 5 4.50% 20%
    • Earn is limited to the first combined R3000 qualifying transactions at all participating Grocery retailers per accrual period
    • After the grocery earn spend cap of R3 000, cash rewards from Absa will be earned (i.e. as much as 1.15% cash back)
    • The Cash Rewards earned for all grocery purchases is dependent on the Absa Rewards Tier
    • Qualifying Transactions at Food Lover’s Market, Fruit & Veg, Pick n Pay, SPAR, SUPERSPAR, KWIKSPAR, Woolworths, Woolworths Food and Woolworths online will get Cash Rewards
    • Transactions at Freshstop, TOPS, Savemor, SPAR Pharmacy, Woolworths FoodStop and any other grocer not specifically mentioned are excluded from this offer
    • Standard partner terms and conditions apply
  • Cash Rewards from partners

    Use your Absa debit or credit card at any one of our partners and you’ll earn a percentage of your purchase amount back in Cash Rewards.

    See all partners

  • Private and Wealth Banking

    You will automatically be registered for Absa Rewards when you open your Private Banking Account, Islamic Private Banking Account, Young Professionals Private Banking or Wealth Infinite account.

Spend your cash the way you want to


The real beauty of being an Absa Rewards member is that you can choose exactly how you would like to be rewarded. Register for Absa Online banking or download our mobile app to redeem your Cash Rewards and keep track of your rewards with ease.

How to redeem your rewards

  • Get cash in your account

    Have the value in your Absa Rewards account paid into your Absa cheque or savings account.

  • Get airtime vouchers

    Exchange your cash rewards for prepaid airtime vouchers from Telkom Mobile, Telkom, Cell C, Neotel, MTN, Virgin Mobile or Vodacom.

  • Transfer to a Unit Trust or TruSave account

    Redeem your Cash Rewards, transfer them to an Absa Unit Trust or TruSave account and watch your Rewards grow.

    It will take up to four working days for the redemption to reflect in your unit trust account. A minimum redemption value of R200 (per redemption) applies to Cash Rewards redeemed and transferred to an Absa Unit Trust Account.

    Standard Absa Rewards and Unit Trust terms and conditions apply.

  • Donate to a charity

    Make a difference by having cash rewards paid out to one or more of these charities:

    • Johannesburg Child Welfare
    • World Vision
    • Sesego Cares
    • Nelson Mandela Children’s Hospital
    • Red Cross Children's Hospital
    • Nelson Mandela Foundation
    • Reach for a Dream

Never miss a chance to earn - or save

Monthly Rewards

Get up to date with the latest news on our partners, promotions, updates and more. Check back in to make sure you don’t miss out.

  • Absa Rewards programme update effective 16 January 2019

    Absa is refreshing its benefits to reward you for financially responsible behaviour

    You’ve been enjoying Absa Rewards for a while now and you’ve no doubt seen the benefits. But your needs change, right? So we’re constantly looking at ways to reward financial behaviour that brings your possibilities to life. We are restructuring Absa Rewards to do exactly that. The following changes will come into effect from 16 January 2019:

    • A new behaviour score for monthly deposit payments
    • Higher scores for Savings & Investments accounts
    • Cash back at Sasol now as much as 20%
    • Your total bank earn spend cap is now R75 000 per month
    • Cash Rewards earn rates from Absa, Grocery partners, Sasol and on your Multi-currency Cash Passport have been adjusted
    • The home loan score is now 75
    • To qualify for a score on home loans, vehicle finance, personal loans and credit cards, a debit order must be set up to make repayments on all these products.
    • To qualify for a score on home loans, vehicle finance and personal loans, your minimum outstanding balance required is now R5 000
    • And new partners (as of 16 December 2018)...

    Want to know more about our new partners, new ways to move up tiers, revised earn rates and product scores among many other benefits? Visit the Absa Rewards programme update for more information.

    Don’t forget to visit our updated Rewards estimator


Find out more about Absa Rewards Programme

To find out more about Absa Rewards, click here to view our terms and conditions.


Need more help?

Let one of our consultants help you get the best rewards.

Call us on:

0861 78 88 88

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