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
18. Money orders
19. Money transfers
20. Motorcycle shops and dealers
21. Motor home, camper and trailer dealers
22. Nursing and personal care facilities
23. Pawnbrokers
24. Precious metals
25. Professional and financial services
26. Real estate agent and management fees
27. Savings bonds
28. Securities - stocks, bonds, commodities and mutual funds
29. Stamp and coin stores
30. Tax payments
31. Timeshares
32. 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.