Nationwide 5% cashback on supermarket spending

MACKEM99

MouldyOldDough said:

How do we know that a purchase has been registered for the 5% cashback ?

They claim to pay out in 6 weeks but not all stores in a chain qualify - this seems a bit of a cop out -  open to interpretation

plus it says "Whether you do your shopping at Tesco, Sainsbury's, Asda or Aldi. Or if you shop at Morrisons, Lidl, Waitrose or the Co-op. These are just some of the shops likely to be included."

What does anyone else think ?

Seems very much a cluster f##k to me.

pantaiema

I wonder is there anything on the TCs that prevent people to earn cashback in more than one account? Say you have two Nationwide current could you earn from two accounts 2xgbp10 when you spend 2xgbp200?

flaneurs_lobster

pantaiema said:

I wonder is there anything on the TCs that prevent people to earn cashback in more than one account? Say you have two Nationwide current could you earn from two accounts 2xgbp10 when you spend 2xgbp200?

There is nothing in the T&Cs that excludes earning on multiple current accounts. In fact a joint account can earn twice.

GibbsRule_No3.

wmb194 said:

RG2015 said:

flaneurs_lobster said:

I thought Waitrose and F&M were in?

Yes, both on the list.

However VISA may categorise them as posh nosh rather than supermarkets, grocery stores or convenience stores.

Fortnum & Mason offers more than just a supermarket or a convenience store, though, so it's probably the reason Visa classifies it as something else. It might not be as low rent as a Tesco or Aldi but  I wouldn't describe Waitrose as anything other than a supermarket.

I’m surprised F&M are on but M&S Food Halls are not.  I did say I supposed they could not differentiate between food and clothes etc but other stores on the list sell things besides food, so await peoples responses at the end of months when they should be getting their “reward”.  

General_Grant

I have a CC with NatWest which pays 1% for supermarket shopping (0.25% on the rest). 
I am working on the basis that if NatWest recognise somewhere as a supermarket then Visa (and thus Nationwide) will too.  So far I have used it for a couple of very small shopping baskets and am willing to chance not getting anything for using Nationwide DC in place of the NatWest CC but actually expect to get what is actually an extra 4%.

adindas

MACKEM99 said:

ZeroSum said:

I still haven't been officially told about this. No emails, no app messages etc.

Me neither.

Normally it will arrive later, bear in mind the number of letters/email they need to send. But why do you need that if it is already published on their website ?

https://www.nationwide.co.uk/current-accounts/cashback/

Bazzalona13295

Don't see me rushing to buy too much extra shopping, however its another welcome little extra I guess.

I do an online order for family with Iceland every week, that alone will push it near the £200 limit.

Currently getting 10% off any Spar purchases with a Halifax account so really other than Co op (many near me are 'Midcounties/Your' Co ops which I dare say could fall into the 'chain' category) almost every shop I visit should earn me 5% back.

Be good if they sent you an up to date list of your 'earnings' so far like Halifax do but even so, for the sake of using a different card (s) than I would normally do its well worth it.

MattMattMattUK

ZeroSum said:

I still haven't been officially told about this. No emails, no app messages etc.

It shows in the app as a notification under eligible current accounts. I am unable to screenshot it as app security blocks screenshots. 

surreysaver

ZeroSum said:

I still haven't been officially told about this. No emails, no app messages etc.

https://www.nationwide.co.uk/current-accounts/cashback

Rich2808

GibbsRule_No3. said:

wmb194 said:

RG2015 said:

flaneurs_lobster said:

I thought Waitrose and F&M were in?

Yes, both on the list.

However VISA may categorise them as posh nosh rather than supermarkets, grocery stores or convenience stores.

Fortnum & Mason offers more than just a supermarket or a convenience store, though, so it's probably the reason Visa classifies it as something else. It might not be as low rent as a Tesco or Aldi but  I wouldn't describe Waitrose as anything other than a supermarket.

I’m surprised F&M are on but M&S Food Halls are not.  I did say I supposed they could not differentiate between food and clothes etc but other stores on the list sell things besides food, so await peoples responses at the end of months when they should be getting their “reward”.  

Yes - sorry I got confused earlier about who was included and not.

For example

why are stand alone M&S food stores apparently excluded?

can they differentiate between Waitroses and John Lewis purchases when they are part of a single store such as Oxford St?

how can they tell you have spent cash on food in Morrisons - or spent in store at the cafe which Morrisons run. The rules refer to instore concessions - fine for Costas say in Tesco - but presumably if the supermarket runs the cafe itself that is eligible?

Honestly - why not just do what the co-op does and say any spend on a debit card is eligible and if necessary cut the cap. One might suggest non essential non food retailers need more help in the current climate than food ones - so it would help the wider economy (which is what mutuals are there for supposedly)?