Cashback & Gift Cards in One App: How to Save with kingpay in Everyday Life (DE & AT)

As of 15 January 2026 – rates, promotions and available brands may change. The binding details are shown in the app and in the programme terms only.

TL;DR

• Cashback applies to card payments made with your kingpay Mastercard® — depending on your plan/promotion, typically between 0.1% and 3%.
• Gift Cards are digital and come with an instant discount (you pay less than the card’s face value).
• Best setup: everyday spending = card (cashback), planned purchases = gift cards (instant discount).

Table of contents

1. What is kingpay?
2. Cashback vs Gift Card discount: what’s the difference?
3. How to get more cashback (without living in spreadsheets)
4. How to save with Gift Cards (digital, instantly in the app)
5. The combo strategy: Card + Gift Cards
6. FAQ

What is kingpay?

kingpay is a payments app with a prepaid Mastercard® plus built-in ways to save, such as cashback and discounted digital Gift Cards.

For this article: you’re currently focused on Germany and Austria (your input). Availability and eligibility requirements can vary and are defined in the official terms.

Cashback vs Gift Card discount: what’s the difference?

People often mix these up — but they’re two different saving mechanisms:

Benefit What happens? When do you notice it? Cashback A portion of your card payment is credited as cashback depending on the programme flow/terms Gift Card discount You buy a Gift Card below face value (instant discount) immediately at checkout (you pay less)

In short: cashback is credited after card spending; Gift Card discount is savings upfront.

How to get more cashback (without living in spreadsheets)

1) Make kingpay your default card for “fixed” everyday spending

Cashback works best when you don’t have to think about it. Typical categories:

• groceries & pharmacy/drugstore
• transport (public transport, fuel, sharing)
• subscriptions (streaming, apps)
• online shopping

2) Check the current “rate & period” in the app

Cashback rates can depend on your plan and promotions. A safe way to phrase it in a blog post (so it stays accurate even if things change):

• “Your current cashback rate depends on your plan/promotion — you’ll always see the latest rate directly in the app.”

3) Understand timing (so expectations are realistic)

Cashback crediting can follow a defined timeline after a transaction is successfully completed. Also, if a purchase is refunded or reversed, cashback may be adjusted accordingly (as outlined in the programme terms).

This is important for trust: it’s better to describe the rules clearly than to imply “instant” crediting.

4) A simple rule that actually works

Cashback is strongest when you don’t buy extra things just to “earn something”, but simply route your normal spending more intelligently.

How to save with Gift Cards (digital, instantly in the app)

What you get

• Digital, merchant-specific Gift Cards
• Purchased at a discounted price and available instantly in the app

What it looks like in practice

1. Choose a brand
2. Select an amount
3. Buy at the discounted price
4. Open the Gift Card in the app and redeem it (online or in-store — depending on the merchant)

The combo strategy: Card + Gift Cards

If you use both, saving doesn’t feel like “finance content” — it’s just a simple habit:

Step 1: Put everyday spending on the card

Whatever you already pay for → pay with the card (cashback accrues in the background).

Step 2: Put planned purchases on Gift Cards

Gifts, gaming, fashion, delivery, electronics — anything you can plan ahead → quickly check whether there’s a discounted Gift Card available for that merchant before you buy.

Step 3: Check in the app rather than guessing

Discounts and available brands can change — so rely on what you see in the app rather than memorising a percentage.

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