Natwest CC - Does purchase of Tesco Gift Card constitue "cash substitue"?

Clarissa88_2

Hi,

I wanted to purchase some gift cards for my cousin's birthday.

I know there are questions of this posted before in MSE, where gift cards were classified as purchases, but they didn't specifically mention if their cards were Natwest.

In the CCA, Natwest says a "cash substitute" is "A voucher, gift card or other stored-value card" and calls "cash substitute" as a "cash advance".

Obviously I'm tempted to charge it to my Natwest CC if I could, but does anybody here have any experience?

How does Natwest know actually that I purchased a gift card when I'm at Tesco's anyway?

Thanks!

izools

It doesn't depend on the card issuer, rather on the retailer.

If the retailer puts it through as a cash or other such transaction, that is what it will be charged as on your CC bill, irrespective of issuer.

The reverse is also true. If say, I use my CC at a couple of pubs around town who offer cash back, I don't incur a fee, as the whole amount is put through as a purchase by the bartender.