Santander 123 card question

Gordon_the_Moron

Applied for and accepted for 123 credit card yesterday, I asked the woman in the branch if I bought cigarettes at a petrol station along with fuel would I get 3% on the whole transaction or just the fuel. She said I'm not 100% sure but I think it is only the fuel, can anyone tell me if this is true? Can't really see how they could tell what you actually bought with the money, surely the transaction would go through as being from the petrol station and they wouldn't get further details???

Vortigern

Santander can't say for certain whether transactions at supermarket filling stations will get cashback at 3% or 1%. The only way to find out is to try it and see what appears on your statement.

Gromitt

It's strange, Santander have a website (can't remember the address though, sorry) that lists all the places and whether you get 3%, 2% or 1%.

AA do something similar (double points on motoring purchases) and state they use the merchants 'classification id' to determine this. So it doesn't matter what petrol station you use, you always get the double points.

I don't know why Santander don't?

Vortigern

Santander also use the Merchant Category Code (MCC) to determine the level of cashback - but you can't see the MCC on their statements! The website Gromitt mentions is HERE. I can see Merchant Categories on the online statement for my Capital One Credit card and on that basis I suspect that if I did a grocery only shop at my local Tesco Petrol Filling Station, I would get 3% cashback - and I think Gordon would get 3% on his cigs, but the only way to find out is to try it.

Gordon_the_Moron

Vortigern wrote: »

Santander can't say for certain whether transactions at supermarket filling stations will get cashback at 3% or 1%. The only way to find out is to try it and see what appears on your statement.

I use a Shell garage not a supermarket petrol station (Santander's website lists it as a petrol station!), just wondered if buying cigarettes in the same transaction would get cashback or not, 2 of my family smoke but I don't so if it would I'd offer to fetch them for them.

Scrounger

Gordon_the_Moron wrote: »

... if I bought cigarettes at a petrol station along with fuel would I get 3% on the whole transaction or just the fuel?

IME 3% cashback on the whole transaction (using a Tesco petrol station). :beer:
Scrounger