Your card can only be used to make purchases.

If you choose to purchase your goods at one of our preferred suppliers, you will qualify for a cash-back, usually within the month after you made your purchase.

Cash-backs are credited to your Santam card and you are notified by SMS of this credit.

If you again spend this at one of our preferred suppliers, you will qualify for a further cash-back.

Please note that you will not qualify for any in-house discounts offered at point of sale at our preferred suppliers.