NHS Cashback Card 3% - 5%

izools

If you're an NHS Employee you may wish to visit http://www.nhscashback.co.uk/black-gold-discountcard.php

They have a pre-paid mastercard, which is free to top up by Faster Payment or free to top up by debit card if the top up is over £200 (40p fee to pay by debit card if the top up is under £200).

They pay 3% cashback at Sainsburys and Asda, and 5% cashback at a range of other stores including M&S, Boots, Argos, and other commonly used retailers.

The only shops on the list I use are Boots and Sainsburys but if I route all my spending at those shops via the card, I'm looking at about £75~80 a year cashback.

Definitely a goer if you're working for the NHS. Not sure if you can still get the card for free but I ordered it about a week ago with a £10 topup and there was no fee

horngkai

If you are in it purely for cashback and do not mind using a gift card, http://www.nhsdiscounts.com/ gives better discount for Sainsbury at 4%. Also better rate on some other retailers as well. Although the cons is that you need to get one giftcard for each retailer.

Gromitt

I was just about to say the same thing, Asda is 3.5% at NHSDiscounts, for example. Just keep the cards at home and take them with you when you go, so no big problem for me to have multiple cards, and you don't need to pay the £9.99 for the card itself.

izools

Hmm, interesting... May use the Sainsbury's gift card, instead, then. Good spot! Thanks

buffalox

Hmmmm, but is it 3% for ASDA or 5%? Website says 5% but leaflet says 3%.

Does anyone know for sure? Can a cardholder confirm?

Gromitt

I'd have to spend £350 just to break even, and pre-load the card 4 days before I want to use it. Lots of hassle for 3%, or about £1.50 of my typical weekly shop (well, £1.10, as I'd be charged a 40p topup fee, no way I'm going to pre-load over £200).

Noddy4777

The card cost me £2.99 - I spend £400 a month on my family groceries (Asda or Sainsburys at 3% cashback) which alone equates to £144 cashback in one year. I think that more than covers the £2.99 fee...

And because i set up a £400 monthly regular top up, i dont have to worry about the hassle of remembering to top up. And because the top up is over £200, I don't get charged.

Makes more sense to use this card than my debit card...:j