Grow My Money Pty Ltd Reviews 21

TrustScore 4 out of 5

4.2

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Rated 4 out of 5 stars

This is a great concept once you wrap your head around how it all works, but be warned ... it's a teeny tiny reward that takes about six months to receive after you make an eligible purchase. Plus, it... See more

Rated 5 out of 5 stars

Super-Rewards is an awesome tool and platform to use. This concept is great and really has the merits to change the way we view and build our super and help make an actual difference to our end balanc... See more

Company replied

Rated 1 out of 5 stars

Note the retail store prices are high whether you are a Super Rewards member or not and please read the T&C for each store as the headline X% to Super may vary. Shop around to get a decent discount.

Company replied

Rated 5 out of 5 stars

This is such an amazing concept, and a great solution to a long standing gap. The solution easily and passively solves towards closing the super gender gap, and at the same time, is equally a great pr... See more

Company replied

Company details

  1. Cashback Provider

Written by the company

Grow My Money is not just a loyalty program – it’s a game changer. Turn your everyday shopping into powerful future savings for your mortgage or superannuation. Every dollar you spend today brings you one step closer to more financial freedom tomorrow. Australia’s first mortgage and superannuation cashback platform, Grow My Money is completely free to join, with zero ongoing charges. It’s your opportunity to make every purchase work harder for you. Shop online or in-store, and earn up to 15% cashback on every transaction. With over 1,500 of Australia’s top retailers participating, including Myer, Big W, Apple, Freedom, The Good Guys, Chemist Warehouse, Nespresso, Virgin Australia, and Petbarn, the possibilities are endless. Your cashback is automatically paid monthly (when paid by the retailer) and can be directed to any nominated mortgage, offset, or superannuation account – even your Self Managed Super Fund (SMSF). When you funnel your cashback into your mortgage or offset account, you’re cutting down interest and shortening your loan term. But the magic happens when you add it to your super – watch your cashback grow exponentially thanks to the power of compound interest. Shop how you want – through the app, web, browser extension, or card-linking. For businesses, Grow My Money also offers corporate partnerships, delivering distribution partnerships cashback solutions into mortgages, super, or both. We're a Corporate Authorised Representative under an Australian Financial Services License. Join us today and start turning your cashback into the financial freedom you deserve.


Contact info

4.2

Great

TrustScore 4 out of 5

21 reviews

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Rated 4 out of 5 stars

Free Money ... But They Make You Work For It!

This is a great concept once you wrap your head around how it all works, but be warned ... it's a teeny tiny reward that takes about six months to receive after you make an eligible purchase. Plus, it's not without effort and conditions and LOTS of fine print. The only GMM partner store that I regularly shop online with is Woolworths, so as long as I remember to click the GMM link before checking out each week, I can make one or two dollars back with every shop. Pity they keep dropping the percentage cashback offered though. It's down to 1.5% for existing customers and it used to be triple that.

25 July 2025
Unprompted review
Rated 5 out of 5 stars

Free super and now mortgage repayments with Grow My…

Love earning free super with Grow My Money, although I’m going to switch over into repaying my mortgage. Amazing innovation and much needed. I do most of my shopping on my laptop as I work full time, so I just keep a browser open to make purchases through the platform. I buy things for me, the family and even for work (staff hampers) through it, and it’s so easy for the money to rack up, my last payment was over $57. We are looking at buying family holiday flights, that will generate over $500 in a single transaction - pass me the credit card! Rarely had issues with purchases not being tracked and when I have, their customer service has been excellent - and persistent - in resolving them. Everyone should be using this service.

18 March 2024
Unprompted review
Rated 1 out of 5 stars

High retail store prices.

Note the retail store prices are high whether you are a Super Rewards member or not and please read the T&C for each store as the headline X% to Super may vary. Shop around to get a decent discount.

26 December 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

**Updated to respond to the reviewer's edited review: this information is still factually incorrect. The retailers website prices are the same, whether you are a Super-Rewards member or not. We do not understand how the reviewer arrives at this idea that the retailer prices are 'high' - Super-Rewards doesn't set any of the retailer's prices and to suggest otherwise is both misleading and incorrect. The retailers comprise 500 of Australia's leading retailers - if the reviewer has an issue with their prices, we suggest s/he takes it up directly with them. Further, there remains some fundamental understanding as to how the program works: there is no 'discount'; there is only cashback into super. We note this reviewer has made this same, factually incorrect comment three times across social media channels and Trustpilot.

Rated 5 out of 5 stars

Awesome!!

So simple to use, and the chrome extension is great at reminding me, and letting me know where I can earn rewards.

I’ve also found so many new retailers I didn’t know of before I signed up, it’s great, and it’s always good to have an extra excuse to shop …. ‘For the good of my future’ 😂

31 October 2021
Unprompted review
Rated 5 out of 5 stars

Simple and efficient super top ups

Super Rewards is a simple and efficient platform which allows me to generate extra super contributions through every day shopping. It's a no-brainer and every little bit helps.

31 October 2021
Unprompted review
Rated 5 out of 5 stars

Super-Rewards is an awesome tool

Super-Rewards is an awesome tool and platform to use. This concept is great and really has the merits to change the way we view and build our super and help make an actual difference to our end balance. Simple, everyday shopping is earning me super dollars through big brands and retailers every week, and it's enough to make me excited about it and want to login in and check fortnightly.

27 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Thank you for your kind review, we are so glad you are as excited as we are about building your super through everyday shopping!

Rated 5 out of 5 stars

Such an easy Life Win

This is such an amazing concept, and a great solution to a long standing gap. The solution easily and passively solves towards closing the super gender gap, and at the same time, is equally a great product for all to grow super without thinking about it.

25 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Thank you for you review, we are so pleased you are are as passionate as we are about helping close the super gap for women!

Rated 5 out of 5 stars

Love being able to shop for my things…

Love being able to shop for my things and then get some money towards my Super

22 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Thanks so much for your review! We are so happy you are finding it easy to shop and save for your retirement at the same time.

Rated 5 out of 5 stars

Simple and Easy

Fantastic way to build your super while you shop. Simple and easy to use. It takes only a few seconds more to log onto your favourite store to do your shopping. Every little bit helps and adding to your super this way, especially when you're buying the item anyway, is a no brainer in my opinion.

22 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Thanks for your kind words - we are so pleased you find Super-Rewards so easy to use! Yes, every little bit helps to make sure your retirement is as stress-free as possible.

Rated 5 out of 5 stars

Retailers contribute to my superannuation!

Super-rewards is brilliant! It's the easiest and most efficient way to increase my superannuation (retirement) account. I do my shopping on the platform, and retailers pay me a % of my total spend directly into my superannuation account.

22 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Thank you for your wonderful review, we are delighted you are finding Super-Rewards an easy way to help save for your retirement, earning money while you shop at your favourite retailers!

Rated 5 out of 5 stars

Super Rewards is easy to use and the…

Super Rewards is easy to use and the plugin really helps prompt the user to ensure to login and shop through SR. It's great to see so many great retailers on the platform.

21 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Hi Anna, thanks so much for your kind words - we are so pleased the browser extension is helping you remember to shop through Super-Rewards and make sure you build up your super!

Rated 5 out of 5 stars

Super-Rewards by name

Super-Rewards by name - Super Rewarding by nature. Have used this for some time now and it’s a great way to top-up your super - and get wealthier with no real extra effort. It’s like an After-Pay but I am the one that gets paid

21 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Hi Jordan, thanks so much for your kind review! We agree that if you are going to shop, you may as well get the benefit!

Rated 5 out of 5 stars

I love that this service is helping me save for my retirement by purchasing everyday items

I love that this service is helping me towards my retirement just for spending on everyday items. It's a great passive income for me as I have been struggling to grow my super. On top of that a beautiful and engaging online experience.

20 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Hi Vy, thanks so much for your support, we are so pleased we are helping you reach your retirement goals and that you are loving Super-Rewards!

Rated 5 out of 5 stars

Absolutely LOVE superrewards

Absolutely LOVE superrewards. Not only do you earn good money for your regular shopping, you get introduced to new retailers. It’s the best !

20 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Hi Katie, thank you so much for your thoughtful review, we are so pleased we can help you both meet your retirement goals and introduce you to new retailers that you love!

Rated 5 out of 5 stars

An easy way to contribute to your super…

An easy way to contribute to your super in a painless way. A great idea, which will help many!

20 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Hi Daniel, thanks so much for your kind feedback, we love helping Australians reach their retirement goals and hope we can help with this for everyone!

Rated 3 out of 5 stars

This was great until woolworths pulled…

This was great until woolworths pulled their rewards.

20 October 2021
Unprompted review
Grow My Money Pty Ltd logo

Reply from Grow My Money Pty Ltd

Hi Lucy indeed, it was a blip with Woolworths (& all supermarkets) stopped paying cash back to all platforms when covid started. However, Super-Rewards continued to honour cashback payouts for Woolworths purchases for 12 months after Woolies stopped. There are 400+ other (non-Woolies) retailers who continue to pay Super-Rewards - these include Apple, Catch, ebay, Energy Australia, etc, providing lots of opportunities for you to earn super!

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