Welcome offer: Is there anything that you won't earn 1% cashback on?

You won't be able to earn cashback on anything you buy from the following types of merchants:

1. Account and prepaid card funding


2. Antique shops, including repairs and restoration


3. Art dealers and galleries


4. Bail and bond payments


5. Bank fees such as product fees, promotional merchandise, financial consultations and loan fees


6. Boat dealers


7. Car and van dealers - New and used sales, services, repairs, parts and leasing


8. Cash withdrawals


9. Cheques


10. College and university fees


11. Cryptocurrencies


12. Debt repayments


13. Deposits


14. Hospital fees


15. Insurance sales, underwriting and premiums


16. Intra-government purchases


17. MoneySend transactions
    Money orders


18. Money transfers


19. Motorcycle shops and dealers


20. Motor home, camper and trailer dealers


21. Nursing and personal care facilities


22. Pawnbrokers


23. Precious metals


24. Professional and financial services


25. Real estate agent and management fees


26. Savings bonds


27. Securities - stocks, bonds, commodities and mutual funds


28. Stamp and coin stores


29. Tax payments


30. Timeshares


31. Travellers Cheques and foreign currency

We rely on the Merchant Category Code (MCC) to work out whether you can earn cashback on a transaction.

MCC is a specific code given to merchants based on the type of things they sell. 

We don’t control what type of code a merchant gets given. So, in some cases, a merchant might sell something that seems eligible for cashback. But because of the merchant’s category code, the transaction isn’t eligible.