SNOW’s payback and rebates: how much actually comes back
A 5% weekly payback and a 0.2 to 1% rebate look like neighbouring numbers, but they attach to different things: one to money lost, the other to money staked. Keeping each tier’s caps and rates exactly as published, this sheet works out what share of the expected loss each one returns.
In this sheet
Paid on losses, paid on stakes
| Benefit | Paid on | Rate | Cycle | Conditions seen |
|---|---|---|---|---|
| Weekly payback | Money lost (loss cashback) | 5% on every tier | Weekly | Tier caps of ₩1 to 3 million |
| Daily payback | Yesterday’s slot losses | Not shown | Daily | Slots only; one of the two per week |
| Casino rebate | Money staked | 0.4 to 1% | Weekly | Excludes blackjack |
| Slot rebate | Money staked | 0.2 to 1% | Weekly | Rises with tier |
A rebate is paid in a winning week too; a payback only matters in a losing one. They work differently, and neither stands in for the other.
The loss at which the weekly payback caps out
Every tier gets 5%; only the cap changes. The weekly loss at which 5% equals the cap is the cap ÷ 0.05.
| Tier | Weekly cap | Weekly loss that hits it |
|---|---|---|
| Stone to Gold | ₩1 million | ₩20 million |
| Platinum | ₩1.5 million | ₩30 million |
| Emerald to Super Diamond | ₩2 million | ₩40 million |
| Master to Legend | ₩3 million | ₩60 million |
Past that line, losing more adds nothing to the payback. A Stone member who loses ₩40 million in a week gets ₩1 million back, not ₩2 million: 2.5% of the loss.
Share of slot expected loss returned
On a 96% RTP slot, 4% of the stake is the expected loss. Dividing the rebate rate by 4% gives the share of that loss the rebate hands back.
| Tier | Slot rebate | Rebate on ₩10 million staked | Share of expected loss returned |
|---|---|---|---|
| Stone, Iron, Bronze | 0.2% | ₩20,000 | 5% |
| Silver | 0.3% | ₩30,000 | 7.5% |
| Gold | 0.4% | ₩40,000 | 10% |
| Platinum | 0.5% | ₩50,000 | 12.5% |
| Emerald | 0.6% | ₩60,000 | 15% |
| Diamond | 0.7% | ₩70,000 | 17.5% |
| Super Diamond | 0.8% | ₩80,000 | 20% |
| Master, Grand Master | 0.9% | ₩90,000 | 22.5% |
| Legend | 1% | ₩100,000 | 25% |
Stake ₩10 million and the expected loss is ₩400,000 at any tier. Even at Legend, three quarters of it does not come back.
Share of casino expected loss returned
On a low-edge game like baccarat, the same rebate rate covers a much larger share of the expected loss; on the high-edge tie bet it barely registers.
| Tier | Casino rebate | Banker (1.06% edge) | Player (1.24%) | Tie (14.36%) |
|---|---|---|---|---|
| Stone to Super Diamond | 0.4% | 38% | 32% | 2.8% |
| Master | 0.6% | 57% | 48% | 4.2% |
| Grand Master | 0.8% | 75% | 65% | 5.6% |
| Legend | 1% | 94% | 81% | 7% |
Only Legend banker bets get most of their expected loss back. But Legend needs 170 million cumulative XP (₩170 billion in casino stakes), and the cost of getting there is set out in cost of climbing.
Two worked weeks
Silver, ₩10 million on slots in a week (96% RTP)
- Expected loss: ₩400,000
- Slot rebate at 0.3%: ₩30,000
- Weekly payback at 5% (assumed on the full ₩400,000): ₩20,000
- ₩50,000 back in total, ₩350,000 still lost: 12.5% of the loss returned.
Platinum, ₩50 million on the banker bet in a week
- Expected loss: ₩530,000
- Casino rebate at 0.4%: ₩200,000
- Weekly payback at 5% (same assumption): about ₩26,500
- About ₩226,500 back, about ₩303,500 still lost: around 43% of the loss returned.
In both weeks the payback is nowhere near its cap (₩1 million and ₩1.5 million). The cap only matters in a week that goes far worse than the expected loss.
Daily or weekly payback
The “loss cashback” panel on the VIP screen says you can take either the daily payback or the weekly payback in a given week, not both. The daily payback is for slots only and based on yesterday’s slot losses, but its rate column showed only a dash. With no published rate, there is no way to say which is worth more.
Amounts that accrue in dollars
Rakeback and loss cashback accrue in US dollars and are converted into the payout currency at the rate on the day you claim. The won amount shown with “≈” is an estimate at that moment. If the won strengthens between accrual and claim, you receive fewer won than the screen showed.
Settlement rules not published
- The exact weekly payback formula (how net loss is defined, whether rebates are deducted first)
- The day and time of settlement
- The daily payback rate
- Whether paybacks and rebates carry a wagering requirement
When any of these is published, the tables here will be reworked and re-dated.