Cashback in the Czech Republic: How to Make It Work for You

22.05.2025

You've probably heard the term "cashback" thrown around, but did you know it actually comes in different forms? And if you live in the Czech Republic, you might be missing out on some real savings without even realizing it.


Here's a quick guide to the three main types of cashback—and how to take advantage of them.

🔁 1. Credit Card Cashback

This is the classic one: a credit card benefit where you receive a small percentage of what you spend back, either as a statement credit, online voucher or bank deposit.

In the Czech Republic, this form of cashback exists but often flies under the radar. For example:

  • When I pay for fuel at EuroOil or RobinOil with my ČSOB card, I get 0.4 CZK/liter off.

  • During events like Dny Marianne, certain Mastercard purchases offer up to 5% back.

What makes this tricky to track is that many of these discounts are applied immediately at checkout, so they don't feel like "cashback" in the traditional sense. But you'd simply not be getting these if you paid with VISA, or a card from another bank. 

Since I've been banking with ČSOB for a decade now, I'm not fully up to date on what other banks offer—but it's definitely worth researching your own bank's cashback or loyalty programs.

🌐 2. Cashback Portals 

Now here's where it gets interesting—and where the real savings are.

Cashback portals like VratnePenize.cz and PlnaPenezenka.cz work with hundreds of online stores to give you a percentage of your purchase back just for clicking through their site first. Think of it like a finder's fee for shopping.

💡 Example:

Say you shop at Sinsay (we must surely all be guilty of that at least on occasion?). If you go there via VratnePenize.cz, you can earn 5.5% cashback. No tricks. Just two extra clicks.

You can even install a browser extension that alerts you and redirects you through the cashback portal when you visit a supported store. 

Important tips:

  • Cashback is calculated before VAT (so the base price).

  • AdBlockers can prevent tracking—turn them off while shopping.

  • You can still use discount codes and loyalty cards as usual.

  • Cashback appears only after the return window closes, to account for buyer's remorse periods.

Once the cashback adds up, you simply transfer it to your bank account. Most portals even give you a small bonus for signing up.

And don't stress too much about choosing the "best" portal—most of them work with the same retailers, but you can always sign up for more than one anyway.

🎯 Bonus: One-Off Cashback Promotions

Occasionally, you'll find limited-time offers that give you cash back on certain product categories.

Right now, for example, P&G is running a promo (until 31.5) where you can claim money back after purchasing their products anywhere in CZ. I stocked up on Pampers Pants at the best price I could find, then claimed 400 CZK back from P&G on top of that. I also picked up some household items and got another 350 CZK back.

These promotions usually require you to:

  • Buy in slightly larger quantities

  • Submit a receipt or proof of purchase

  • Be willing to wait a few weeks for the refund

But if you're buying stuff you'll use anyway? Total win.

💡 Pro tip: Check in-store flyers, product tags, and even free magazines to catch these offers. They're easy to miss unless you're actively looking.

🏧 3. Cashback at Retailers (Point-of-Sale Cash Withdrawals)

This version of cashback isn't about discounts—it's about convenience.

Say you're shopping at Albert, EuroOil, or Globus to name but a few, and you bill comes up to 400CZK. If you need 500 CZK in cash, just ask the cashier to charge you 900 CZK on your debit card. You'll get the extra 500 CZK back in cash.

Why use it?

  • No extra fees

  • Great if your bank charges for ATM withdrawals or you're far from one

  • Just check for a cashback sticker on the store's door, and make sure the total meets their minimum

✅ Final Thoughts

Whether it's a small fuel discount, a big refund on diapers, or just skipping the ATM line, cashback is one of those quiet money-savers that can really add up over time.

Keep your eyes open. Sign up for a portal. Read the small flyers. A few smart habits could mean hundreds of crowns back in your pocket every year.

And if you know of any current cashback promotions, I'd love to hear about them!

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