Maximising contactless benefits

chiefnoodle

Has anyone got any ideas for how to maximise contactless payments? Useful for people with the TSB account which gives 5% back on contactless (£100/month), as most shops don't actually do contactless.

One idea I thought of was to get cashback at the till at a shop which does offer contactless, but I don't think that would work.

Or maybe paying utility bills in a post office with contactless card? Not so good because I anyway get 3% back on DDs from Natwests new account.

Splitting the monthly supermarket shop into several under-£30 payments is a bit too much hassle for me and the cashiers might say :mad:

Any suggestions welcome for a quick & easy way to hit the £100 level of monthly spending (per account!)...

Steve_xx

Apparently, Morrison's petrol stations use contactless terminals and so this should prove relatively easy to rack up your monthly fiver.

chiefnoodle

Steve_xx wrote: »

Apparently, Morrison's petrol stations use contactless terminals and so this should prove relatively easy to rack up your monthly fiver.

I don't drive....

Westie983

I bought some gift cards from Morrison's which I then use to pay for my shopping then I get a voucher to get p of litre of fuel which used my card contactless.

colsten

Did you check the main TSB contactless cashback thread? https://forums.moneysavingexpert.com/discussion/5317664

Spidernick

If you ask for cashback you then have to put in your PIN, so that won't work.

colsten

All of this and more already covered in https://forums.moneysavingexpert.com/discussion/5317664 :wall:

chiefnoodle

colsten wrote: »

All of this and more already covered in https://forums.moneysavingexpert.com/discussion/5317664 :wall:

Thanks wasn't aware of this - but the point of the two threads is slightly different. That thread lists several retailers who accept contactless, which is great to know. This thread is for clever tricks if recording spending on your card, like till cashback or paying utility bills.
Another idea - can you buy vouchers in Tesco stores or post offices etc (with contactless) which you can then use online etc?
Again, this is a way of "routing" other forms of spending through your contactless - online spending you anyway are going to do gets done with vouchers purchased at 5% discount.

colsten

Well, I have seen plenty of 'clever tricks' in that main thread.

chiefnoodle

apologies I see that on the 12th page there are indeed a few ideas which qualify for this thread.
Sorry it took so long to reply, thats what happens if you have 12 pages of forum to read

BTW what happens if you return something you bought by contactless - will you lose the 5%? Like when you buy on a reward credit card you lose the points on sthg you return.
I'd guess that the system doesn't recognise that the return is a return of the specific contactless transaction, for all the bank knows its a return of a different transaction entirely... so they can't cancel the 5%.

Steve_xx

chiefnoodle wrote: »

apologies I see that on the 12th page there are indeed a few ideas which qualify for this thread.
Sorry it took so long to reply, thats what happens if you have 12 pages of forum to read

BTW what happens if you return something you bought by contactless - will you lose the 5%? Like when you buy on a reward credit card you lose the points on sthg you return.
I'd guess that the system doesn't recognise that the return is a return of the specific contactless transaction, for all the bank knows its a return of a different transaction entirely... so they can't cancel the 5%.

So it's off to Argos to buy some things for £100 in four transactions and then return them and see what happens - providing that Argos have contactless terminals of course!