Rewards programme
The more you save & repay, the more you earn
Beckham Brown Clark rewards you for making smart financial decisions. Earn bonus interest on your deposits and cashback when you repay loans early.
Deposit Rewards
The more you deposit, the higher your tier — and the better your interest rate. Tiers are calculated on your total savings balance across all Beckham Brown Clark accounts.
Min. balance: $0
4.20% AER
Includes 0.10% bonus
- Earn base interest on all savings
- Monthly interest payouts
- No minimum deposit required
Min. balance: $5,000
4.50% AER
Includes 0.25% bonus
- 0.25% bonus AER on top of base rate
- Priority customer service line
- Free financial health check annually
Min. balance: $25,000
4.75% AER
Includes 0.50% bonus
- 0.50% bonus AER on top of base rate
- Dedicated relationship manager
- Exclusive invitations to financial workshops
- Complimentary travel insurance
Min. balance: $100,000
5.10% AER
Includes 0.85% bonus
- 0.85% bonus AER — our highest deposit rate
- Personal wealth manager
- Bespoke investment portfolio review
- Airport lounge access
- Preferential mortgage and loan rates
Early Repayment Rewards
Most banks charge you for paying off your loan early. We do the opposite — we reward you with cashback for settling your balance ahead of schedule.
0.5%
cashback
Repay 10%+ early
Make overpayments of at least 10% of your outstanding balance within the first year.
1.25%
cashback
Repay 25%+ early
Pay off a quarter or more of your loan ahead of schedule and earn a bigger reward.
2.5%
cashback
Full early settlement
Clear your entire loan before the original term ends and receive our maximum cashback.
Example: $20,000 loan repaid in full after 18 months
On a 5-year $20,000 personal loan at 8.9% APR, if you clear the full balance after just 18 months, you'll receive $500 cashback(2.5% of the original loan amount) credited directly to your current account. That's on top of the interest you save by settling early.
$500
cashback earned
How the rewards programme works
Open an eligible account
Sign up for any Beckham Brown Clark savings account or personal loan to start earning rewards automatically.
Grow your balance or repay early
Deposit into your savings to climb tiers, or make overpayments on your loan to unlock cashback.
Earn bonus interest & cashback
Rewards are credited monthly for deposits and upon settlement for early repayment cashback.
Track in your dashboard
See your tier, points, and projected rewards in real time from your online banking dashboard.
Frequently asked questions
Is there a fee to join the rewards programme?
No. The rewards programme is completely free and automatically applies to all eligible Beckham Brown Clark savings accounts and personal loans.
How is my deposit tier calculated?
Your tier is based on the combined balance across all your Beckham Brown Clark savings accounts. Tiers are reviewed on the first of each month.
When do I receive my early repayment cashback?
Cashback is credited to your nominated current account within 30 days of your loan being settled early.
Can I earn both deposit rewards and early repayment cashback?
Absolutely. The two programmes are independent — you can earn bonus interest on your savings and cashback on your loans at the same time.
What if my balance drops below my current tier?
If your balance falls below a tier threshold, you'll move to the appropriate tier at the next monthly review. There's a 30-day grace period on the first drop.
Are joint account balances counted?
Yes. Both individual and joint account balances contribute towards your tier level.
Start earning rewards today
Open a savings account or apply for a personal loan and you're automatically enrolled in the Beckham Brown Clark rewards programme.