Cashback Exclusions

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
  • Gambling transactions
  • Government services not classified elsewhere
  • Hospital fees
  • Insurance sales, underwriting and premiums
  • Intra-government purchases
  • Money orders
  • Money transfers
  • MoneySend transactions
  • Motor home, camper and trailer dealers
  • Motorcycle shops and 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

Good to know

Merchants get given a specific code based on the type of things they sell. This is called a Merchant Category Code (MCC). We use the MCC to work out whether you can earn cashback on a transaction.

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.