The cashback ratio of overseas transactions ranges from 3% to 30%. There are differences in the cashback ratio of bank cards of different banks and different types of bank cards of the same bank in overseas transactions. The cashback ratio of overseas transactions is also affected by bank policies. In order to promote consumption, more and more banks have launched cashback activities for overseas transactions. Some banks have a large proportion of cash back, while others are relatively small.

First, cashback

The word cashback first appeared in Wal-Mart Shopping Center in 2002. Consumers can accumulate points when shopping at Wal-Mart. After the points reach a certain amount, the points can be used for shopping at designated merchants. Used as a cashback website, that is, cashback. Later, it was gradually applied to communication industry, hotel industry, e-commerce, banks and so on.

Second, the development process

1, earliest cashback

Shopping cashback network is the initial application of cashback. Specifically, if you go shopping in the online mall through the connection provided by a third-party website, the return website will give you a certain percentage of cash back, such as Huiji. Com and QQ. Shopping cashback has formed an industrial chain, including merchants, cashback platforms and shopping cashback websites, and the market is already quite large. Cash back is also called rebate. In addition, some websites take the form of returning points.

2. Cash feedback

The cashback website gathers a large number of online shopping members in the form of shopping cashback. Members shop in major online shopping malls from cashback websites. After the order is completed (no return), the website, as a partner of the mall, can get a certain percentage of sales commission from the mall, and the cashback website will return most of the commission to the members. This is the source of cash rebate, which does not affect any preferential treatment that members could have enjoyed.

3. Cash back from group purchase

20 1 1 year, combined with the popular group buying website mode (O2O), opened up a new channel "group buying rebate". Members in Huiji.com can purchase goods through cooperative group buying merchants, and get a certain percentage of rebate cash according to different rebates.

4. Cash back in shopping malls

In 20 12, major e-commerce websites have sprung up like mushrooms after rain, such as JD.COM Mall, Suning.cn, Dangdang, 1 shop and other well-known e-commerce enterprises. As a professional shopping cashback website, they launched shopping cashback, and consumers can get the highest cashback when shopping in major shopping malls.