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.

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