This article is for educational purposes only. Cashback scams are designed to collect personal data that's sold or used for identity theft.

How Fake Cashback Schemes Operate

The mechanics of the scam:

• You see: "Get 50% cashback on all purchases! Free registration."
• The site asks for: Email, phone, address, NIC number
• Then asks: Bank account details for "cashback transfer"
• Finally: Credit card information to "verify eligibility"
• The reality: You never receive cashback; your data is harvested

What Scammers Do With Your Data

• Sell personal information to other scammers
• Use NIC/passport for identity theft
• Create fake accounts in your name
• Access your bank account (with stolen credentials)
• Apply for loans or credit in your name
• Blackmail using collected information

Red Flags in Cashback Offers

Legitimate cashback programs:

• Are offered by established banks and payment platforms
• Don't ask for NIC or passport numbers during signup
• Don't ask for bank account numbers upfront
• Provide clear terms and conditions
• Have recognizable customer service
• Show cashback in your account immediately after purchase

Protecting Your Personal Data

• Never share NIC or passport numbers online
• Only enter bank details on secure, verified platforms
• Check HTTPS and verify the company's legitimacy first
• Use unique, strong passwords
• Monitor your credit report regularly
• Set up fraud alerts with your bank