ShopBack, Used Properly: S$6,484 of Cashback for Spending We Would Have Done Anyway

Our ShopBack account has returned S$6,484.09 over its lifetime — S$4,541.03 of it already withdrawn to the bank — for buying the same hotels, insurance and groceries we would have bought anyway. The entire system is one habit: start the purchase at ShopBack, then buy. Here is how we run it — the browser extension, the big-ticket bookings, the upsized-day calendar — and the one rule that stops a cashback app from quietly becoming a spending machine.