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MBNA Smart Rewards FAQs

Here you'll find answers to frequently asked questions, all about MBNA Smart Rewards. Read how it works, what to look out for and how to get in touch if you need to.

 

  • Receiving cashback

    1. When and how will I receive cashback?
    2. How do I keep track of cashback I’ve earned?
    3. Can I change the account cashback is paid into?
    4. What if I’ve got more than one MBNA credit card?
    5. Can additional cardholders earn cashback too?
    6. What happens if I miss my monthly credit card payment?
    7. Will cashback count towards my monthly minimum payment?
    8. What if my cashback puts my account balance into credit?

    1. When and how will I receive cashback?

    Cashback for qualifying purchases is automatically paid 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.

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    2. How do I keep track of cashback I've earned?

    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’.

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    3. Can I change the account cashback is paid into?

    Yes. 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.

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    4. What if I've got more than one MBNA credit card?

    That’s not a problem. We use information from all of your MBNA credit card to generate offers. When you activate an offer, you can use any of your MBNA credit cards to redeem and earn cashback.

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    5. Can additional cardholders earn cashback too?

    So, only the main cardholder can activate an offer in the Smart Rewards hub, but the good news is that additional cardholders can redeem offers, helping to earn cashback for your account.

    Additional cardholder spending also helps us to generate new offers, which might be of interest to both of you in future.

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    6. What happens if I miss my  monthly credit card payment?

    You’ll still be able to access Smart Rewards through Online Card Services or the MBNA Card Services app, but you won’t be able to redeem offers until at least one of your MBNA credit cards is up to date.

    However, missing payments could have a broader impact.

    Making regular payments means you’ll avoid additional fees and charges, the risk of losing any promotional offers and any negative effect to your credit file, which is important if you want to apply for credit in future.

    There are things you can do if you're starting to experience money worries, so please talk to us.
    Give us a call on 0800 056 7298 (+44 1244 757 233 from outside the UK). Speak to an adviser Mon-Thu 9am-8pm, Fri 9am-6pm, or 9am-1pm on Sat.

    Alternatively, if you’d prefer to read some information first, please visit our managing debt pages.

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    7. Will cashback count towards my monthly minimum payment?

    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.

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    8. What if my cashback puts my account balance into credit?

    As an alternative to spending with your credit card, we can arrange a credit balance refund to your UK current account. If you’d like to request a credit balance refund, please give us a call.

    If your account is closed, we’ll arrange to send you a refund by cheque instead.

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  • If you've got a problem

    1. If I haven’t received cashback I was expecting, what should I do?
    2. Can I contact you if I’ve got a question?
    3. Can offers be withdrawn or changed?

    1. If I haven’t received cashback I was expecting, what should I do?

    You can check a few things to make sure the cashback you’ve received is correct:

    • Did you activate the offer?
      To receive cashback, you need to ‘activate’ each individual offer in the Smart Rewards hub before you shop with your chosen retailer.

    • How long has it been since you used the offer?
      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’ in the Smart Rewards hub.

    • Did you redeem the offer before it expired?
      If you made your transaction after the offer expired, you won’t be eligible for cashback. You can check the expiry date of offers you’ve activated in the Smart Rewards hub.

    • Were there any offer restrictions?
      Some offers have restrictions and/or exclusions. For example, some apply to online transactions only, rather than those made in a physical store.

    To avoid any disappointment, remember to check the terms and conditions of each offer before you activate and shop.

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    2. Can I contact you if I've got a question?

    Of course. If you can’t find the answer to your question in our FAQs, then just give us a call on: 03456 062 062 (+44 1244 659 005 from outside the UK). Speak to an adviser 7am-10pm, 7 days a week.

    If you have a hearing or speech impairment, you can contact us using Relay UK. Speak to an adviser 24 hours a day, 7 days a week. SignVideo services are also available if you’re Deaf and use British Sign Language.

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    3. Can offers be withdrawn or changed?

    We work hard to make sure all offer details are accurate. If there are any errors in an offer, we might withdraw or correct it, but this won’t affect any offers you’ve already redeemed.

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  • Information about you

    1. What information do you collect about me, and how is it handled?
    2. Will you share my information with anyone else?


    1. What information do you collect about me, and how is it handled?

    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.

    That should explain why some of the available offers cover places where you regularly shop, are local to your home, or are close to your place of work.

    Just so you know though, unless we have your permission, Smart Rewards will not use mobile phone data about your location.

    For full details about the information we collect and how it’s used and stored, please read through our privacy policy. You can manage your marketing preferences at any time using Online Card Services.

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    2. Will you share my information with anyone else?

    We won’t share personal information with any retailers or merchants, but to provide relevant offers we do share data with select trusted third parties, always under strict controls and conditions. Your information is always secure and is only used as outlined in our privacy policy.

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  • More about rewards

    1. I’m already part of a cashback scheme, how will I keep track?
    2. Where can I find more information about rewards in general?


    1. I’m already part of a cashback scheme, how will I keep track?

    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.

    You’ll also see any cashback paid to your account on your monthly credit card statement. I’ll appear with the description ‘Smart regards Cashback’.

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    2. Where can I find more information about rewards in general?

    If your credit card account offers a rewards or cashback programme already, please refer to your programme rules. Alternatively, read further FAQs about rewards.

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About MBNA Smart Rewards

1. What is MBNA Smart Rewards?
2. Am I eligible for Smart Rewards?
3. How do I register for Smart Rewards?
4. How are offers selected for me?
5. Why can’t I see any offers?
6. How do I earn cashback?
7. Are there any restrictions on offers?
8. Can I leave Smart Rewards?


1. What is MBNA Smart Rewards?

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.

Sounds good, right? Learn more about MBNA Smart Rewards.

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2. Am I eligible for Smart Rewards?

You’re eligible for Smart Rewards if:

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

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3. How do I register for 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.

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4. How are offers selected for me?

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.

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5. Why can't I see any offers?

To provide you with relevant offers, we use the information we have about you and the places you like to shop. If you’re a brand-new credit card customer, we might not have enough information quite yet… but hold tight.

Once you’ve been using your credit card for a while, you should start to see offers appear in the Smart Rewards hub under ‘Available Offers’.

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6. How do I earn cashback?

Visit the Smart Rewards hub, which you can access through Online Card Services or the MBNA Card Services app, then browse available offers.

If something takes your fancy:
1. Select the offer to read full details and ‘Activate’ it.
2. Shop with your chosen retailer using your MBNA credit card. Simple!

Check out your list of activated offers in the Smart Rewards hub.

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7. Are there any restrictions on offers?

Offers may have restrictions and/or exclusions. For example, some apply to online transactions only, rather than those made in a physical store. Some can be used just once, while others could be used multiple times. In all cases, an expiry date will apply.

The terms and conditions are usually set by the retailer or merchant and they are responsible for the offer details. It’s our job to make sure the cashback for any qualifying purchases reaches your account.

To avoid any disappointment, remember to check the terms and conditions of each offer before you activate and shop.

You’ll find general conditions that apply to MBNA Smart Rewards in our Online Card Services agreement, and details on how we use your information within our privacy policy.

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8. Can I leave Smart Rewards?

Although we hope you won’t want to, of course you can switch Smart Offers off at any time. Just look for ‘Settings’ in the Smart Rewards hub. It’s just as easy to switch it back on again.

Just be aware, if you leave Smart Rewards, you’ll lose any cashback that’s pending.

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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.