If you have been invited to a wamo cashback campaign, you can earn rewards simply by using your physical or virtual wamo cards for your daily business expenses.
How does the cashback payout work?
Cashback is calculated on a monthly basis. The total reward for your eligible expenses made within a specific month is deposited into your account during the first week of the second following month.
Example Timeline (2026):
April 12 – April 30: You spend on your Grow plan. All eligible transactions accumulate cashback.
May: Our system calculates your final total for April.
First week of June: Your April cashback is automatically credited to your account.
First week of July: Your May cashback is credited, and so on.
Which transactions are eligible?
Cashback applies to all settled (cleared) card transactions made with any wamo card (physical or virtual) across any of your sub-accounts.
Eligible Transactions | Ineligible Transactions |
Standard business purchases | ATM cash withdrawals |
SaaS subscriptions | Online gambling, casinos, or betting |
Travel & office expenses | Government services & taxes |
Vendor payments via card | Horse/dog racing & state lotteries |
| Temporary holds or chargebacks |
| Refunds to your card |
| Inbound/Outbound bank transfers |
| Monthly subscription fees |
What happens if a transaction is refunded?
Any card transaction that is later refunded is not eligible for cashback. If a refund occurs, that amount is deducted from your total eligible spending for that month before the cashback percentage is applied.
How does account status affect my cashback?
Account Closure: If your account is closed (by you or by us) before the payout date, any accumulated cashback for that period will be forfeited.
Frozen Accounts: If your account is temporarily frozen due to a breach of our T&Cs, your cashback will be held. Once the issue is resolved and your account is active again, the accumulated cashback will be credited shortly after.