9 December 2024
Did you know there’s a super easy way to top up your super? Our exclusive rewards program, SuperSuper, works with Australia’s top retailers to top up your super as you shop – and it costs you nothing extra. Here’s how it works.
What is SuperSuper?
SuperSuper is our exclusive rewards program, that tops up your GuildSuper account for you as you shop.
There are a lot of rewards programs out there, most of which give you a small percentage off your shop, which may not feel like much. With SuperSuper, instead of giving you the small discount, that percentage is put into your super account, where it eventually grows into something bigger. It’s a great solution in tough times – it takes nothing out of your pocket and in the long run, makes a big difference.
Is it worth it?
SuperSuper doesn’t cost you anything extra to join – it’s already a feature of your GuildSuper membership. And it doesn’t cost you anything at the checkout, either. Each time you shop, a percentage of your spend goes into your super. So, if you spend $100 at Target, which gives you a 5% reward, $5 will go straight into your super account.
SuperSuper has no effect on your employer contributions, it just adds to them. Even better, it keeps going even when you have no employer contributions – if you’re on parental leave, taking a career break, or are self-employed.
Over time these small percentages can really add up. Let’s look at a couple of examples.
Annie’s Christmas
Annie is getting ready for Christmas. It’s not cheap but it’s an important part of her year.
She uses her SuperSuper account to order some gifts: $50 at Sephora for her mum, $50 at Dymocks for her dad, an $85 pair of Lorna Jane leggings for her sister and a $65 shirt for her brother at The Iconic. For her boyfriend, she splurges on a pair of $120 sunglasses from The Sunglass Hut. Each purchase puts between 5-10% into her super.
She buys all her Christmas food from Woolworths for $350, with 4% of that added to her super.
Altogether, Annie spent $720 on Christmas and received $42 into her super.
Maya’s minibreak
Maya organised a weekend away with three friends.
She used her SuperSuper account to book everything, and her friends paid her back their share. She spent: $1,000 at AirBnB (5% reward), $500 on a spa sesh at Endota (6%), $120 with Uber Eats (2%) and $30 on movie snacks at Coles (4%).
The total came to $1,660, which added $84 to her super balance – and her friends then paid her back their share $1,245.
Where can I boost my super?
Lots of places. Here are just some of the retailers that will add a percentage to your super with every purchase.
Everyday basics: Coles, Woolworths, Target, Kmart, BigW
Online marketplaces: Amazon, eBay, Catch
Homewares: Ikea, Sheridan, Amart, Harvey Norman
Tech: Apple, JB Hi-Fi, the Good Guys
Motoring: Ampol, Supercheap Auto
Entertainment: Event, Village and BCC cinemas, Ticketek
Outdoor: BCF, macpac, Adrenaline, Kathmandu
Travel: Webjet, AirBnB, Uber, Flight Centre, Accor Hotels, RedBalloon
Fashion: Myer, Asos, Bonds, Footlocker, Nine West, Rebel, Cotton On
Different retailers offer different percentages, and you’ll find a current full list of these inside your account portal when you sign up.
Great! How do I actually grab the cash?
Start by signing up. Log in to your GuildSuper account and navigate to Grow My Super > Rewards Program, then follow the instructions.
How you actually receive your rewards depends on the retailer. All purchases must be made via the SuperSuper portal to be eligible. That then takes you to the retail site, where you can either:
· Download an eVoucher immediately after your purchase to use in store
· Receive physical card vouchers in the mail to be used in store
· Online shopping transfers the cash when you checkout
As long as you begin your purchase at the SuperSuper portal, your extra dollars will be credited to your GuildSuper account within 10 working days of the fund receiving payment of your accumulated rewards. You’ll be able to see your transactions in the SuperSuper portal to track how much you’ve earned.
Find out more
SUPERSUPER™ is a benefit provided to members of the Fund by the Promoter. SUPERSUPER™ is a rewards program where contributions are made to your superannuation account on a non-concessional basis and can only be accepted by GuildSuper if you have provided your Tax File Number (TFN) to the Fund. Contribution caps apply to non-concessional and concessional contributions - contact us for more information. Members can claim a tax deduction on non-concessional contributions but should be aware doing so would preclude the amount being considered in the assessment of a government co-contribution or applying towards the First Home Super Savers Scheme. The information in this document is general in nature and does not take account of your personal financial situation, objectives or needs. Before deciding whether this product is appropriate for you, please read and consider the Terms and Conditions available at guildsuper.com.au or by calling us.
SUPERSUPER™ is made available to you by EonX Services Pty Ltd ABN 39 615 958 873 (the Supplier). This third-party provider is responsible for this program including its ongoing management and operation. The Trustee or the Fund do not pay for this service, nor do they have any involvement in the ongoing management and operation of the Supplier or their program.