dfcu is inviting customers to move their everyday and festive spending from cash to card, with an end-of-year campaign that rewards every swipe, tap and online payment made on a dfcu VISA card. Running under the theme “Pay. Save. Get More.” until 31 December 2026, the campaign gives cardholders up to UGX 40,000 in cashback for every UGX 500,000 spent at any merchant point of sale that accepts dfcu cards, equivalent to up to 8% back, plus discounts of up to 20% on online shopping and airline bookings.
The offers cover the categories where Ugandans spend the most at this time of year, including dining, fuel, groceries, retail, travel, hospitality and online shopping. Cashback is calculated from verified eligible spend, with no draws, no prize entries and no additional reward layers. A customer simply pays with their dfcu VISA card, builds up eligible spend and earns value back on purchases they were already planning to make.
For online shopping and airline bookings, cardholders can enjoy discounts of up to 20%. The airline offers apply to bookings with Emirates, Qatar Airways and Ethiopian Airlines, giving customers who travel across borders more value on flights paid for with their dfcu VISA cards. Together with the cashback, which works out to as much as 8% back on eligible spend, the offers are meant to reward both everyday purchases and bigger festive and travel spending.
Isaac Bigirwa, dfcu bank Head Cards and Payments, explained that the final quarter of the year is one of the busiest spending periods, as households stock up for the holidays, families travel, and friends and colleagues gather to celebrate. dfcu says the campaign is designed to turn cards in wallets into cards in use, by giving customers practical reasons to reach for their VISA card first and to keep doing so throughout the season.
“Many of our customers already carry a dfcu VISA card, and the festive season is when spending is at its highest, so it is the right moment to make that card work harder for them. Pay. Save. Get More. is a simple promise. Use your card for the things you were already going to buy, and you get value back, through cashback on your eligible spend and discounts when you shop online or book your flights. It is also a safer and more convenient way to pay, without the need to carry cash,” Bigirwa said.
The campaign is aimed first at existing dfcu debit and credit cardholders, particularly those who hold a card but use it only occasionally. It also speaks to digitally active customers, festive-season shoppers, commuters, travellers, diners and families spending across fuel, groceries, retail, hospitality and online channels. Customers can take part through contactless, point-of-sale and e-commerce payments, subject to the campaign terms and conditions.
As the season builds, dfcu is putting the cashback offer in the spotlight at some of the merchants where customers shop and dine every day, including Fraine Supermarket and Caramel, although the cashback applies at any merchant point of sale that accepts dfcu cards.
During Black Friday in November, the bank is drawing attention to its existing dfcu VISA travel discounts of up to 20% on flights with Emirates, Qatar Airways and Ethiopian Airlines, alongside the cashback offer, giving customers more reason to use their cards for both planned and spontaneous purchases. Customers will see the offers across social media, digital platforms, radio, television and at participating merchant outlets, where card-use and contactless demonstrations will show how easy it is to pay with a dfcu VISA card.
The campaign reflects dfcu’s wider drive to promote secure, convenient and cashless payments, and to make everyday banking more rewarding. Customers who would like to take part are encouraged to use their dfcu VISA cards at participating merchants and online, and to keep track of their eligible spend to earn their cashback.
Terms and conditions apply. Cashback of up to UGX 40,000 is earned for every complete UGX 500,000 of eligible dfcu VISA spend at any merchant point of sale that accepts dfcu cards. Discounts of up to 20% apply to online shopping and to airline bookings with Emirates, Qatar Airways and Ethiopian Airlines.
