Vina Cash Back platform terms

You are responsible for accurate registration information, protecting your password and two-factor recovery codes, and promptly reporting unauthorised access.

Earn Cash Back in the form of Vina Credit when you shop with participating merchants. Vina Credit can be used toward eligible purchases across the Vina merchant network. Vina Credit is promotional loyalty credit, is not cash, cannot be withdrawn to a bank account, and cannot be redeemed for cash. Cash Back is calculated from confirmed eligible invoices using the merchant's published rate, may be subject to redemption limits and can expire under the published inactivity policy.

Merchants remain responsible for their services, pricing and availability. Customers must review and confirm an invoice or complete the selected payment flow before Cash Back is posted.

Accepting customer card payments online is optional. A merchant funding card is not required during low-friction onboarding, but may be required later to restore a negative Cash Back wallet or continue billing. When enabled, auto top-up restores the wallet toward NZD 300 according to the displayed settings.

Referral attribution must be genuine and must not involve self-referral, misleading advertising or automated clicks. Eligible commissions are released immediately after the underlying confirmed transaction, subject to fraud review and reversal if that transaction is refunded.

Rules and feature availability may change with notice in the application. Questions or disputes can be submitted through the complaint flow or to admin@vina.nz.