Cashback is a reward you earn when making eligible purchases with your Brighty card at participating merchants in selected categories. It is a promotional reward credited to your dedicated Cashback Balance and does not constitute a deposit, e-money, or savings.
How does Cashback work?
You make an eligible purchase using your Brighty card.
The transaction must be successfully authorized and settled.
Once confirmed by the merchant and payment processor, cashback is credited to your Cashback Balance.
Most cashback is credited within 5 business days, although some merchants may take up to 90 days or longer due to settlement
cycles, returns windows, or external verification.
Cashback is calculated based on the final settled amount of the transaction.
How much cashback can I earn?
The cashback amount you can earn depends on the merchant, transaction type, and your Brighty subscription plan. Cashback rates may vary by merchant, category, country, and promotional period, and the applicable rate is displayed in the Brighty app.
Cashback rate (all plans): 0.5% on eligible purchases.
Selected categories cashback: up to 1.25%–1.75%, depending on your plan and selected categories.
Each subscription plan has a maximum amount of cashback you can earn per month. Once the monthly limit is reached, additional eligible purchases will not generate cashback until the next month.
Subscription plan One: up to USDC 20 per month
Subscription plan Plus: up to USDC 60 per month
Subscription plan Pro: up to USDC 100 per month
Which transactions qualify?
To qualify, transactions must:
Be successfully authorized and settled
Not be refunded or reversed
Fall within supported merchant categories
Meet your plan conditions
Cashback is not earned on certain categories such as:
Card-to-card transfers
ATM withdrawals;
Gambling and betting transactions
Money transfers, wallet top-ups, or quasi-cash purchases
Cryptocurrency purchases
Cashback is calculated based on the final settled amount of a transaction. Additionally, cashback is not applicable to Curve cards or equivalent services.
Where can I find my cashback?
Open your app ⟶ Go to "Rewards💎" section
Once the cashback is granted, it is not credited to your main account, but to a separate vault under your account called Cashback. Funds are credited to this specific vault as a separate cashback balance.
Monthly transfer to Reward Box - at the start of each new month, the cashback amount is automatically transferred from the Cashback vault to your Reward Box. The funds remain in USDC during this transfer.
After the funds are transferred to the Reward Box, you may withdraw your Reward Box balance to your payment account and use it for other actions of your choice.
Can cashback be reversed?
Yes - cashback may be reversed or deducted if:
A transaction is refunded or reversed
A chargeback occurs
The transaction is found to be ineligible.
If your balance is insufficient, deductions may be applied to future cashback earnings.