With the cost of living on everyone’s mind, IGA is challenging the big supermarkets with a new way for Aussie shoppers to save. The new feature, IGA Cash Back, is part of IGA’s broader rewards program and is designed to be a straightforward alternative to the points-based systems currently offered by Coles and Woolworths.
Rather than earning points to convert into cash, IGA gives you direct cash back into your rewards account when you buy specific products. The goal is to make savings more transparent, giving you a clear cash value that can be redeemed on your grocery shop.
How to earn and redeem with IGA Rewards Cash Back
Unlike Everyday Rewards and Flybuys, which let you accrue points on every dollar you spend, IGA Rewards’ Cash Back program offers money back on specific products. To find these rewards, you’ll need to check the IGA app for a variety of weekly and monthly offers that must be redeemed in-store.
Some of these offers are personalised to your shopping habits, and they typically fall into several categories:
- Fixed offers: A set percentage or dollar amount you get back after purchasing a product.
- Quantity or minimum spend offers: Rewards you unlock after buying a certain number of items or spending a specific amount.
- Targeted offers: Deals that are personalised based on your spending habits.
- Competitions: Monthly prize draws you are automatically entered into when you scan your card.
Here’s how to get started:
- Sign up or log in to the IGA Rewards app.
- Browse and activate the IGA Cash Back offers and deals.
- Shop for the offer items at an eligible IGA store.
- Scan your IGA Rewards card at the checkout.
- Once you have earned $20, unlock your Digital Visa IGA Rewards Card in the app.
- Redeem your IGA cash in-store on your next eligible shop.
Your cash back will accumulate in the app, and once you reach the $20 threshold, you can choose to redeem it on your shopping bill or let it grow for a larger purchase later.
IGA Cash Back vs Everyday Rewards vs Flybuys
Australians are dedicated rewards programs members, with 86% of us signed up to at least one program.
Woolworths’ Everyday Rewards and Coles’ Flybuys are two of the biggest rewards programs in the country and dominate the supermarket space. However, IGA is looking to carve out some of the market for themselves.
So which supermarket rewards program is best? The answer depends on your shopping habits and preferences. Below, we’ve broken down the pros and cons of IGA Rewards, Everyday Rewards and Flybuys.
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| IGA Rewards | Everyday Rewards | Flybuys | |
|---|---|---|---|
| No joining fee</span | ✅ | ✅ | ✅ |
| Rewards can be redeemed in-store and online | ❌ (in store only) | ✅ | ✅ |
| Rewards can be redeemed at partner retailers | ❌ | ✅ | ✅ |
| Rewards can be banked to use later | ✅ | ✅ | ✅ |
| Rewards can be converted for travel (exclusive deals or frequent flyer points) | ✅ | ✅ | ✅ |
| Exclusive fuel discounts | ❌ | ✅ | ✅ |
| Automatic monthly competition entires | ✅ | ❌ | ❌ |
| Can accrue unlimited cash/points | ❌ (max is $4,999 | ❌ (max is $4,000) | ❌ (max is $4,999) |
No matter which rewards program you use, remember these systems are designed to encourage you to spend money. Don’t buy something you don’t need just to earn bonus points and keep in mind you might find better savings by waiting for something to go on sale, rather than purchasing it for points.
You can make the system work for you but it pays to keep your wits about you.
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