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:
- Account and prepaid card funding
- Antique shops, including repairs and restoration
- Art dealers and galleries
- Bail and bond payments
- Bank fees such as product fees, promotional merchandise, financial consultations and loan fees
- Boat dealers
- Car and van dealers - New and used sales, services, repairs, parts and leasing
- Cash withdrawals
- Cheques
- College and university fees
- Cryptocurrencies
- Debt repayments
- Deposits
- Hospital fees
- Insurance sales, underwriting and premiums
- Intra-government purchases
- MoneySend transactions
- Money orders
- Money transfers
- Motorcycle shops and dealers
- Motor home, camper and trailer dealers
- Nursing and personal care facilities
- Pawnbrokers
- Precious metals
- Professional and financial services
- Real estate agent and management fees
- Savings bonds
- Securities - stocks, bonds, commodities and mutual funds
- Stamp and coin stores
- Tax payments
- Timeshares
- 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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