Which transactions do not earn cashback?
Whether a purchase earns cashback depends on the category assigned to the merchant by its payment provider.
Payment providers use a standard merchant category code, or MCC, to identify the type of business where you made the transaction, such as a supermarket, gas station, or money transfer service.
Transactions that do not earn cashback include:
- Financial services, money transfers, and e-wallet top-ups
- Gambling, lottery, and betting transactions
- Cash withdrawals and other transactions treated like cash
- Fees, interest, penalties, and account adjustments
- Refunded purchases
For full details, check the list of non-eligible MCCs.
A merchant may be assigned a category that is different from its main type of business. The category provided by its payment provider determines whether the transaction earns cashback.