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.