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.

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