MBNA Smart Rewards

Earn up to 15% cashback on your everyday credit card spending… pretty smart, even if we do say so ourselves.

Smart Rewards - brand logos - Co-op, Costa Coffee, Hilton, London North Eastern Railway

If you’d like shopping to be a little more rewarding, MBNA Smart Rewards could be the perfect fit:

  • Browse available offers and pick out the ones which suit you best.
  • Keep track of the cashback you’ve earned in the Smart Rewards hub.
  • Available on Online Card Services and app.

Download on the App Store button    Get it on Google Play button

It’s the cherry on top of that ice cream sundae… an extra banana in the bunch. Up to 15% cashback on the things you buy regularly soon adds up, but you might also be inspired to try something new.

Just make sure you check the details of each offer - cashback amounts may vary.

How does Smart Rewards work?


Visit the Smart Rewards hub to browse available offers and activate any you’d like to use.


In line with the offer conditions, shop with your chosen retailer using your MBNA credit card.


Your cashback will be paid into your credit card account by the end of the following month.

You’re eligible for Smart Rewards if:

  • You have an MBNA credit card.
  • You’re registered for Online Card Services.

To get started with Smart Rewards

Whether you’re using Online Card Services or the MBNA Card Services app, simply log in and look for ‘Smart Rewards’.

You'll have the option to register if you haven't already.

Frequently asked questions

  • We regularly review the information we have about you, including your home location and places you’ve shopped in the past. This helps us work out which offers you’re eligible for, and which are likely to be of interest to you.

  • Cashback for qualifying purchases is automatically paid into into your MBNA credit card account on, (or just before) the last working day of the month.

    For example, if you redeem an offer in January, your cashback should be paid into your account at the end of February.

    If you have more than one active MBNA credit card account, the default is for your cashback to be paid into the oldest one. However, if you’d like to switch to one of your other MBNA credit card accounts, just update your ‘Settings’ in the Smart Rewards hub.

    You need to remain registered for MBNA Smart Rewards to receive your cashback.

  • You can keep track of everything in the Smart Rewards hub, including the cashback you’ve earned so far, where you earned it and if there’s anything pending.

    Just be aware, when you redeem an offer it can take up to 5 working days for it to show as a pending payment on your 'Cashback Summary’.

  • No. Just like a refund, cashback does not count towards your minimum monthly payment – you’ll still need to make that to meet the terms of your credit agreement. 

    Cashback will reduce your outstanding balance though, which is still pretty handy.

Want to know more about MBNA Smart Rewards?

Retailer/merchant offers and cashback amounts vary. Offer terms and conditions apply.
The terms and conditions which apply to MBNA Smart Rewards are covered in our Online Card Services agreement.

To use the MBNA Card Services app you need to have a valid phone number registered to your account and be set up to manage your accounts using Online Card Services. Check your preferred app store for minimum operating system requirements. Device registration required. The app doesn’t work on jailbroken or rooted devices. Terms and conditions apply.

Android/Google Play is a trademark of Google Inc. Apple, the Apple logo, iPhone, iPad, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.