Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MSE Rosie
    • By MSE Rosie 5th Sep 17, 6:32 PM
    • 61Posts
    • 28Thanks
    MSE Rosie
    MSE News: HSBC and First Direct offer cashback credit and debit card schemes
    • #1
    • 5th Sep 17, 6:32 PM
    MSE News: HSBC and First Direct offer cashback credit and debit card schemes 5th Sep 17 at 6:32 PM
    First Direct has become the latest bank to offer cashback incentives when you use its credit or debit cards at selected retailers - just a month after sister bank HSBC launched an identical scheme...
    Read the full story:
    'HSBC and First Direct offer cashback credit and debit card schemes - are they any good?'

    Click reply below to discuss. If you haven’t already, join the forum to reply.
Page 3
    • sausage_time
    • By sausage_time 22nd Sep 17, 6:39 PM
    • 68 Posts
    • 16 Thanks
    sausage_time
    I have read and re-read the Terms and Conditions, and also the help. I can't see the "per account" restriction called out anywhere. All the discussion is per card. Can you point me to the particular section that says you can only have cashback once per account?
    • wiseonesomeofthetime
    • By wiseonesomeofthetime 22nd Sep 17, 7:14 PM
    • 101 Posts
    • 48 Thanks
    wiseonesomeofthetime
    I have read and re-read the Terms and Conditions, and also the help. I can't see the "per account" restriction called out anywhere. All the discussion is per card. Can you point me to the particular section that says you can only have cashback once per account?
    Originally posted by sausage_time

    I agree. I have reviewed the T&Cs and can only see the following:

    [I]3.7 Visa shall pay such Cashback directly into the account of the Registered Card you used to make the Qualifying Purchase. We typically aim to provide you with your Cashback within 5 working days from your Qualifying Purchase. Such payment will appear on the statement of your Registered Card under the reference 'Visa Cashback'.

    4.1 You agree that you will not:

    act in any way that may harm or impair the Site, Other Channels or Visa's operation of the Cashback Service;
    use the Site, Other Channels, or participate in the Cashback Service in an unlawful or fraudulent manner, or in a way that could encourage others to act unlawfully or fraudulently;
    access or attempt to access the Cashback Accounts of other participants or to penetrate or attempt to penetrate any of the security measures in place;
    or seek to take advantage of any mistakes, flaws or loopholes (as viewed by a reasonable person) in the Offers or in the Cashback Service to gain a financial advantage.


    Would the absence of clarity be seen as a loophole?
    • sausage_time
    • By sausage_time 23rd Sep 17, 8:26 AM
    • 68 Posts
    • 16 Thanks
    sausage_time
    Ok thanks, time to put in a claim. There's a section on the site for claiming missing cashback
    • meer53
    • By meer53 23rd Sep 17, 4:37 PM
    • 8,869 Posts
    • 12,878 Thanks
    meer53
    Are people getting the cashback they expect in a timely manner? For three transactions, one (Boots) was notified and paid within days. Two others (Esso, using his and her cards). For one of these, transaction on the 6th Sept, email confirmation on the 11th, but no cashback yet. The other Esso was on 8th - not heard a thing! I'll give it a bit longer before complaining, just wondered what others were seeing.
    Originally posted by sausage_time
    According to the offers website, the Esso cashback offer expired on 28 August ?

    There looks to be another one on, but it started on 8 Sept.
    Last edited by meer53; 23-09-2017 at 4:41 PM.
    • Nebulous2
    • By Nebulous2 24th Sep 17, 1:26 AM
    • 1,590 Posts
    • 969 Thanks
    Nebulous2
    According to the offers website, the Esso cashback offer expired on 28 August ?

    There looks to be another one on, but it started on 8 Sept.
    Originally posted by meer53
    I think offers and dates are individual. I've just registered and mine start 22/9/17 and generally run to 8/10 or so.
    • sausage_time
    • By sausage_time 24th Sep 17, 9:02 AM
    • 68 Posts
    • 16 Thanks
    sausage_time
    Yes, seems people see different offers. In my case:

    Esso
    £5 back on your next purchase of £40 or more
    Expires 14/09/17
    • keiran
    • By keiran 5th Oct 17, 12:49 PM
    • 383 Posts
    • 183 Thanks
    keiran
    I got a response to my query from hsbcofferseu

    """
    The ability to add multiple cards enables cardholders to choose which card they would like to redeem offers, for example between a debit and credit card.
    The offers that are available via Visa Offers are on a per account basis, not per card registered. Although any of the cards you have registered can be used to redeem an offer, it can only be redeemed once, unless the terms state it can be redeemed multiple times.
    """
    • sausage_time
    • By sausage_time 5th Oct 17, 8:04 PM
    • 68 Posts
    • 16 Thanks
    sausage_time
    I got a response to my query from hsbcofferseu

    """
    The ability to add multiple cards enables cardholders to choose which card they would like to redeem offers, for example between a debit and credit card.
    The offers that are available via Visa Offers are on a per account basis, not per card registered. Although any of the cards you have registered can be used to redeem an offer, it can only be redeemed once, unless the terms state it can be redeemed multiple times.
    """
    Originally posted by keiran
    Well, that's not what's in the T&Cs! Also, after my complaint, as of today they now show both "his and hers" as offers redeemed (on the same offer), but only one credited to our account so far.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,126Posts Today

8,767Users online

Martin's Twitter
  • I was surprised to see the three people in front of me in the newsagents were all shocked their old £1 coins were no longer taken.

  • RT @natdebtline: If you?ve been visited by a bailiff since April 2014 we want to hear your story for our #bailiffreform campaign https://t.?

  • Well so far it seems there's one thing remainers and leavers agree on - the EU is getting the better of the negotia? https://t.co/70z5ffpG8S

  • Follow Martin