Smart Rewards

Activate the offers you want and the cashback will be paid automatically into your account at the end of the following month after your purchase.

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

Get up to 15% cashback

Whether it's the weekly shop, a meal out or hitting the high street, registering for Smart Rewards lets you easily earn cashback with selected retailers on your Credit card purchases.

Log on to activate your offers

Manage your Smart Rewards using Online Services or the MBNA Mobile App.

MBNA Mobile App

Get set up online today

  • Join our 1 million app users.
  • Fast and secure log in.
  • Stay up to date with notifications.


How to set up the app

QR code

MBNA Mobile App

  • Join our 1 million app users.
  • Fast and secure log in.
  • Stay up to date with notifications.


Download now

How to set up the app

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 Services.

To get started with Smart Rewards

Whether you’re using Online Services or our 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 are setting up your account at the moment. Once you receive your login details, just login to Online Services or our app and register for Smart Rewards. Then you’ll be able to view and activate cashback offers that interest you. In the meantime you can find out more on our Smart Rewards page.

  • 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 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 Smart Rewards?

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

To use the MBNA Mobile app you need to have a valid phone number registered to your account and be set up to manage your accounts using Online 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.