> For the complete documentation index, see [llms.txt](https://help.thedecard.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.thedecard.com/en/decard-luminaries/cashback-program.md). # Cashback Program **Q1: How does the Cashback program work?** The more you spend with your Luminaries Card, the more cashback you earn — up to 10%, capped at US$200\* every month. Be among the top spenders every quarter and unlock a special mystery gift! Cashback is calculated monthly based on your total spending, according to the following tiers: | Monthly Spend | Cashback % | | -------------- | ---------- | | First US$2,000 | 2.0% | | Next US$3,000 | 3.0% | | Above US$5,000 | 10.0% | Example: | **Monthly Spend** | **Cashback Earned** | | ----------------- | ----------------------------------------------------------------------------------- | | US$2,500 | (US$2,000 x 2%) + (US$500 x 3%) = **US$55** | | US$8,000 | (US$2,000 x 2%) + (US$3,000 x 3%) + (US$3,000 x 10%), capped at US$200 = **US$200** | \*As the DeCard Luminaries Card is an SGD denominated card, the Cashback will be credited in Singapore dollars. Thus, final amounts credited may differ depending on the applicable exchange rates determined by DCS applied at the time of posting. \ **Q2: When will I get my cashback?** \ Eligible transactions are calculated on a calendar-month basis — from the 1st day to the last day of each month. Cashback is calculated at the end of each month and will be credited to your account by the 10th day of the following month. \ **Q3: What happens if my purchase is reversed or refunded?** \ If your purchase is reversed or refunded, the cashback earned on that transaction will be deducted. The refundable cashback is calculated at 2% of the refunded amount, as stated in the Card [Terms & Conditions](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf). \ **Q4: Which transactions are eligible for cashback?** \ Eligibility of transactions is determined based on the Card [Terms & Conditions](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf). Please refer to the latest Terms & Conditions for full details. \ **Q5: How long will the cashback program last?** \ The cashback program details will be reviewed and updated quarterly. DCS reserves the right to make changes at its sole discretion. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://help.thedecard.com/en/decard-luminaries/cashback-program.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.