FAQs
Account Information
Yes, absolutely! Aura is a member-first loyalty program with no fees. We don’t charge you for cash back rewards or for withdrawing your money. You keep all your earned savings—no hidden fees, just your cash back.
You can link any Australian debit card, as well as Visa and Mastercard. You can even link multiple cards! Earn cash back automatically when you make purchases with our partner businesses using your linked card. Look for the ‘CARD LINKED’ label on merchant detail pages to see who supports this feature.
Invite a friend or family member by sharing your unique Aura QR code or link. Once they make their first purchase through Aura, we’ll automatically credit both your accounts with $5. It’s that easy to earn rewards with Aura!
Simply log in to Aura and visit your favourite stores via the SAVE NOW links in the Aura app or Aura website. When you shop securely via Aura, we can automatically track your purchases.
Once a store approves your transaction, we will credit your account. We do not store your personal information.
Check any special terms on our retailer pages to help get that cash into your account as soon as possible.
Note: Safari browser does not support tracking for stores that are non ITP compliant, in these cases Aura does our best to identify and inform members of this.
Most merchants reward all transactions and indeed most with a simple flat rate. However in some cases a store may have different reward levels for different products, whether you are using a promo code, whether you are buying a product already heavily discounted or indeed whether you are a new or existing customer. In very rare cases some specific products or services might be excluded from rewards. When there are different reward levels we will put in a reward range to let you know that is the case and in the very rare case of products/services being excluded we aim to let you know in the merchant’s description or their T&Cs.
Yes, purchases can be made with our featured online merchants, our in-store partners and fuel cash back offer however are based in Australia. Our plans do include global domination and we are in early discussions with some super heroes to help us additionally negotiate some intergalactic deals. We will keep you posted!
Aura Card Linked offers require an Australian debit or credit Visa or Mastercard.
Simply send an email to Aura support.
By closing your account, all pending or available balance will become unavailable.
Once closed, your account cannot be reactivated. We’ll be so sorry to see you leave!
Linked Card Security and Usage
We recommend linking your card/s as soon as you join Aura to secure future savings! Simply access ‘Linked Cards’ in the Settings. This will allow you to automatically secure cash back when you visit any of our partner in-store merchants. Card details can also be amended through the ‘Linked Cards’ function if at some point you would like to link an additional card or a different card.
Linking your card is easy. For a first-timer, there is a prompt for each in-store business listing that enables you to link your card if you wish to. Once linked, you will be able to make your purchases from other Aura partners by simply paying with your linked card.
We can help!
A Visa or Mastercard can only be linked to one loyalty rewards program. We are so glad you’ve found Aura. After unlinking/deleting your card from another reward program it may take some time for Visa or Mastercard to process it.
We can nudge things along faster if you provide the following details in an email to support@aura.club
Aura Registered Email Address:
Card Issuer & Type:
Card Last 4 Digits:
Card Expiry Date:
Rewards and Tracking
Yes of course. Simply log in online aura.club using your Aura username and password and you will find the same full set of functions available on the web.
Simply log in to Aura and visit your favourite stores via the SAVE NOW links in the Aura app or Aura website. When you shop securely via Aura, we can automatically track your purchases.
Once a store approves your transaction, we will credit your account. We do not store your personal information.
Check any special terms on our retailer pages to help get that cash into your account as soon as possible.
Note: Safari browser does not support tracking for stores that are non ITP compliant, in these cases Aura does our best to identify and inform members of this.
Firstly, make an approved Aura purchase at a participating Aura Business. Within 2 business days your purchase will appear in your App as pending approval. Within 1- 4 weeks eligible purchases will be approved and the status changed from pending to confirmed. Aura will then apply the funds towards the investment option you have selected in App.
At the same time Aura will also allocate your ‘donation’ reward to your chosen charity or club. Your future is that little bit brighter and you have scored a bunch of extra Karma cash.
- • We suggest that for each new transaction you return and click through to the store. Some stores set tracking periods beyond our control.
• Do not visit other websites after clicking SAVE NOW via Aura.
• You won’t earn rewards if an order is cancelled, changed or returned.
• Complete your transaction within 3 hours of clicking through to the store.
• Read store special terms if applicable.
• You may not earn money back on GST, freight, delivery fees and taxes.
• Aura will not pay if fraudulent activity is detected. - You might not be eligible for Aura rewards:
• If your order is not totally completed online or is changed over time.
• If a gift card is purchased or used as payment.
• If a coupon code is used that is not valid on Aura.
Most partners reward all transactions and indeed most with a simple flat rate. However in some cases a partner may have different reward levels for different products, whether you are using a promo code, whether you are buying a product already heavily discounted or indeed whether you are a new or existing customer. In very rare cases some specific products or services might be excluded from rewards. When there are different reward levels we will put in a reward range to let you know that is the case and in the very rare case of products/services being excluded we aim to let you know in the Partner description.
Aura is a member 1st loyalty program with no fees to members. We don’t charge you for giving you cash back rewards and we don’t charge you to withdraw your money. You should not be charged fees that eat into your earned savings. You just get your cash back!
Aura can only transfer funds when banks are open. That means that bank closure and holidays may affect when we can make transactions on your behalf, but as soon as they are open again we are on it! We are always here to help.
Fuel Cash Back Reward
The Aura Fuel Cash Back program is a rewards program offered by Aura in partnership with Shell Coles Express that allows you to earn cash back on your fuel purchases.
The Aura Fuel Cash Back program works by linking your eligible Shell Coles Express barcode to your Aura account. When you make qualifying fuel purchases at participating Shell Coles Express stores, you will earn 3 cents per litre of cash back on those transactions.
To earn cash back on fuel purchases with Aura, you need to consent to the terms and conditions of the offer before a barcode will be issued through the Aura app. Then, simply present your barcode when paying for fuel at your nearest participating Shell Coles Express. The cash back will be automatically credited to your Aura Cash Investment account within 1-2 days.
It is recommended to refer to the link below to find participating Shell Coles Express where you can earn your fuel cash back reward.
https://www.shell.com.au/motorists/fuel-finder.html
It is advisable to review the program details for complete information. Please refer below for details;
https://aura.club/fuel-cash-back/
My Money - Your Aura Cashback Account
No set up required! You can start earning cashback and saving money immediately.
You can request a partial or full withdraw of your funds at any time. Please allow 2-5 business days.
To withdraw funds your balance needs to be above $50.
Simply email Aura support with any details you wish to change.
eGift Cards & Cashback
Once you have an Aura account, you can start shopping straight away. By default, our gift cards are delivered to you or your recipients by email, so there is no delivery fee. (SMS delivery is also available; please note SMS is charged at $0.10 per send.)
Follow the below steps to buy and send an eGift Card to a friend or yourself:
1. Sign in to Aura on your desktop or mobile device
2. Within ‘Offers’ select the eGift Card you’d like to buy/send (You can Filter by Category ‘Gift Cards’ to find that perfect card quickly)
3. Adjust the card value by using the +/- buttons and click ‘Send to a Friend’ or ‘Buy for yourself’
4. Enter the details of the recipient, add a personal message and click ‘Confirm’
5. Review details, and then click ‘Continue’
Enter your credit card details and click ‘Pay’
6. Once you see ‘Card sent’, the purchase has been completed, and the eGift Card has been sent to the recipient
Optional SMS Delivery:
To also send your gift via SMS, simply enter your recipient’s mobile number. Please ensure the correct phone number is entered as SMS messages cannot be recalled. Please note SMS is charged at $0.10 per send.
When you have received your gift via email, follow the below steps to view and store the eGift Card safely in your digital wallet or mobile device.
• Locate the gift email and click ‘Redeem Gift’
• The gift page will load, and you will get access to your Gift Card
If you have received a retailer gift card such as Myer, Coles, The Good Guys, Rebel, you may do any of the following to view your eGift Card at any time:
• Store in your eGift Card safely in your secure digital wallet
• View and Print – you can view the eGift Cards, and you can easily print from this screen
• Download PDF – a copy of the eGift Card can be saved directly to your device in PDF format
If you have received a ‘Choice’ eGift Card, you can swap it for a retailer eGift Card of your choice by clicking ‘Swap Now’. Or you can store the ‘Choice’ eGift Card for later use by clicking ‘Store in your Wallet’.
You do not need to decide the retailer that you wish to swap the ‘Choice’ eGift card for immediately, but keep in mind there is an expiry date for the ‘Choice’ eGift Cards.
Important note: eGift Cards should be treated like cash.
• Some online bank systems might truncate some of the words, and it will show up as: ‘TR…’ or ‘Digi…’ or ‘Rewa…’
• Try linking your Card again by clicking on the ‘Having problems? Link another Card’ button (which is located on the bottom of the ‘Confirm Card’ screen)
• Try waiting a bit longer (2-4 hours) and then check again. You can always return to the ‘Checkout’ page and ‘Confirm’ your currently linked Card.
Note: The first four numbers are your code – each bank changes how this message is displayed within your online banking.
Due to high demand, your order is taking a little longer. Please check back in 15 mins. If unresolved, please contact us at support@aura.club
The most common reason an order is unsuccessful is due to online payment security. To ensure online payment security for both our customers and Aura all payment transactions are monitored.
In some cases, due to the payment assessment from our third-party payment providers, we are unable to complete an order. This order may appear as ‘In Review’ after the transaction is attempted.
Unsuccessful orders do not charge your credit card, and no action is required from you. Depending on your bank, a pending transaction may appear on your card statement; however, this pending transaction will disappear shortly.
If you have an unsuccessful order and need assistance, you may contact us at support@aura.club
Trouble Shooting and Support
Here’s what we need to get you some answers. Simply email Aura support with the following details;
Merchant Name:
Order Number (for Online transaction) or Merchant Address (for Instore transaction):
Order Number (Online Order):
Your Email address:
Card Type:
Card last 4 digits:
Transaction Amount:
Transaction Date:
Description: (attach receipt or invoice if possible)
Simply email us at Aura support. Generally we’ll try to identify any problems related to your attempt to submit details, but rest assured we can also complete verification by asking you to submit 2 authorised documents.
When asked to provide additional documents to begin investing 2 of the following are sufficient;
Medicare Card, Passport, Birth Certificate, Centrelink Card or Drivers License (Both license number and card number visible.)
Cost and Taxation
Aura is a member 1st loyalty program with no fees to members. We don’t charge you for giving you a cash back reward and we don’t charge you to withdraw your cash. You just get your funds… as opposed to fees that eat into your rewards.
Selling any investment or receiving cash rewards in any financial year can affect your taxes. We don’t offer tax advice but suggest you talk with a tax professional if you have any questions about your savings.
Board of directors
The board of directors is an elected group of individuals with the role of representing stockholders in company decisions.
Capital Gain/Loss
A capital gain/loss is the difference between what you buy and sell a stock for. For example, if you bought $100 of stock today and then sold it for $150 in ten years, your capital gain would be $50, since you made $50 on your investment. Likewise, if you purchase a stock for $100 and sell it for $50 ten years later, your capital loss is $50, since you sold it for less than you purchased it for.
Clearinghouse
An institution that acts as the intermediary between brokerage firms, exchanges, and other clearing corporations for settling trades and delivering securities.
Dividend
A dividend is a way to share in the profits of the companies that you own stock in. Dividends are issued as a fixed payment per share of stock to the owner of the stock. For example, if you own five shares of ABC stock, and ABC company declares a $.05 dividend, you will receive $0.25 in dividends ($0.05 x 5 shares). Dividends are often issued by more mature companies and can be delivered to investors sporadically.
Earnings report
An earnings report is a report created by publicly-traded companies about their financial performance. Earnings reports are often an important driver of stock price changes. A positive earnings report may result in higher demand for the stock, and in turn, higher stock prices. A negative earnings report (or one that does not live up to expectations) may drive the stock price down.
Exchange-Traded Funds (ETFs)
Exchange-Traded Funds (or ETFs) are an investment fund that has stocks, bonds, or other assets that are traded on a stock exchange.
Equity
Equity is ownership. When you own a part or all of something, you have equity in it. Companies issue shares of stock as a way to raise capital. When someone invests by buying shares in a company, they become a partial owner. When they become a partial owner, they have equity in the company.
Ex-dividend date
The date a stock begins to trade without the new owner receiving the dividend.
Fractional share
A fractional share of stock is part of a full share of stock. Imagine you take a $100 share of stock and split it into 50 pieces. You can now buy one of those pieces (a fractional share) for $2 and become an investor without paying to buy a full share of stock.
Investing
Investing is the act of using money to buy something with the hope that it will increase in value, and can be sold for more money in the future. There are many things we can invest in: stocks, bonds, real estate, rare record covers etc . These are all things you buy in the hope they will become worth more in the future so you can sell them for a profit. Investments can also become worthless, which means you may only be able to sell them for less than you bought them for.
Market Value
The most recently-quoted price for a stock.
Portfolio
In investing terms, your portfolio is all the various stocks, bonds, or other investments you own. If you own stock in 20 different companies, those 20 companies make up your investment portfolio.
Proxy Voting
Proxy voting is a common way for the owners of a company’s stock to vote in annual shareholders meetings. When shareholders vote by proxy rather than attending the annual meeting in person, they designate someone to represent their vote in the company matters being voted on. This designated person casts a vote in line with what is indicated on the proxy ballot, giving shareholders the ability to vote in shareholder meetings without being physically present. The number of shares held typically equates to the number of votes allowed.
Publicly-Traded Company
Publicly-traded companies are those either partially or completely owned by the public. A publicly-traded company is created when a private company goes public, called an initial public offering (IPO). Going public means the company is offering small pieces of ownership that can be purchased by the general public, making those purchasers partial owners in the company.
Rate of Return
The rate of return is the amount the price of stock changes over a set period of time. For example, you may hear that a stock price increased by 1.5% on a specific day. The daily rate of return for this stock is 1.5%. Rates of return may also be discussed in any amount of time, such as monthly, annually, 10 years, or even 50 years. This refers to how much has the stock price changed over the designated period of time and can be either a positive or negative rate of return.
Settlement Date
The date that a trade is settled. It’s the date that sellers are expected to sell the security and buyers are expected to buy the security. The standard settlement date for stocks is two business days after the trade date (T+ 2 days). For example, if you initiate a stock sell on a Friday, it should settle by the following Tuesday. Keep in mind that holidays may affect how long it takes for stock to settle.
Share
A share is a specific term for ownership of stock in a specific company.
Stock Exchange
A stock exchange is a place (physical or electronic) that facilitates the trading of stocks. Those wishing to buy and sell stocks are matched together on an exchange where they can trade ownership of the stock. For example, if you place an order to purchase $100 of stock, your “buy” order is taken to an exchange and matched up with a “sell” order for that same stock, completing a stock exchange.
Stock
A stock is a general term for a piece of ownership in a company.
