Read answers to frequently asked questions, including how to earn and redeem rewards or cashback.
You can earn cashback when you buy goods using your MBNA credit card, subject to the minimum spend requirements outlined in your cashback programme rules.
- You won't earn cashback if you don't follow the terms of your credit card agreement.
- If you receive a refund on any purchase, have any credit adjustments or have any fraudulent transactions refunded, the cashback you earned will be deducted from your cashback balance.
- If you have more than 1 cashback credit card you’ll have a separate balance for each, which can’t be combined.
Important: unless otherwise specified, you won’t earn cashback on cash transactions such as cash withdrawals, gambling, currency exchange or cash-like transactions such as sending money orders or wire transfers (other than balance transfers or money transfers), buying coins, banknotes or digital currency, paying government fines, enforcement, penalties, fees or costs, online trading such as share dealing or investments, purchasing or topping up electronic money, payment cards, mobile wallets or account dashboard services, money transfers, balance transfers, 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.
Your cashback balance is shown on your monthly statement. The amount of cashback you've earned will only show on your credit card statement if you've made qualifying transactions since your previous statement.
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