Banking

Credit Card Cashback / Rewards Points Accrual

Accruing the liability for cashback and rewards earned by cardholders on their spending.

Account NameTypeDebit ($)Credit ($)
Rewards Program ExpenseExpense (+)5,000.00-
Loyalty Points / Cashback LiabilityLiability (+)-5,000.00

💡 Accountant's Note

Cashback and points programs are a cost of acquiring and retaining cardholders. The liability is recognized as spending occurs. Under IFRS 15, breakage on unredeemed points is released to income using historical rates.

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