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      Rewards

      Read answers to frequently asked questions, including how to earn and redeem rewards or cash back.

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      • Can you provide more information about earning cash back? expandable section

        You can earn cash back when you buy goods using your MBNA credit card, subject to the minimum spend requirements outlined in your cash back programme rules.

        Please remember:

        • You won't earn cash back if you don't follow the terms of your credit card agreement.
        • If you return an item and get a refund, the cash back you earned will be deducted from your cash back balance.
        • If you have more than 1 cash back credit card you’ll have a separate balance for each, which can’t be combined.

        Important: unless otherwise specified, you won’t earn cash back on cash advances, money transfers, balance transfers, cash substitute transactions such as non-sterling currency, casino and gambling type transactions, finance charges, default charges, interest, payment protection insurance premiums, fees (including non-sterling transaction fees, card fees and handling fees), and unauthorised or fraudulent transactions.

        To make sure you fully understand how your programme works, please check your programme rules.

      • Where can I find my cash back balance? expandable section

        Your cash back balance is shown on your monthly statement.  The amount of cash back you've earned will only show on your credit card statement if you've made qualifying transactions since your previous statement.

      • I have a question about an item I have ordered using my Reward Points, can you help? expandable section

        Please email abs.client-support@argos.co.uk if you have any questions about redemption.

      • If I use my Reward Points to get shopping vouchers, when will they expire? expandable section

        It really depends on the retailer you've chosen - some shopping vouchers may have an expiration date. Please check your vouchers as soon as you receive them and make sure you use them before they expire.

      • Where can I find more information about Smart Rewards? expandable section

        Smart Rewards is a complimentary service for MBNA credit card customers, providing a range of tailored offers and the opportunity to earn up to 15% cashback on qualifying purchases. You can find more information here about Smart Rewards

       

      Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services.

      Personal loans: for personal (unsecured) loans, MBNA Limited:

      • Works exclusively with Lloyds Bank plc.
      • Is a credit broker and not the lender.

      MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

      MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com.

      The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over.

      For credit cards and loans, the interest rate offered to you will also be based on this assessment.

      Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations. Not all telephone banking services are available 24 hours, 7 days a week. Please speak to an adviser for more information.

       

       

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