Nationwide 5% cashback on supermarket spending

Vortigern

redux said:

Vortigern said:

Rich2808 said:

Still shocking - no M&S food or B&M inclusion!

I used a Barclaycard in an M&S food hall. When I click on the transaction in the BC app it shows the "Business Type" as "Grocery & Super" - the same as transactions at Asda, Sainsbury's and Morrisons. On that evidence, I believe that the transaction would have qualified for cashback had I used the Nationwide card.

Why? If Nationwide and Marks & Spencer haven't agreed a discount arrangement, it won't happen

I don't believe Nationwide has agreed a discount arrangement with any specific supermarket. If they had there would be a definitive list. They are believed to be using the Merchant Category Code allocated by Visa to determine whether a transaction qualifies for cashback, but they don't know which MCC is used by retailers like M&S who sell both food and other goods.

So some M&S transactions may qualify, but there's no guarantee.

I wonder if it's possible to pay for clothing at the food hall tills?

Section62

redux said:

Vortigern said:

Rich2808 said:

Still shocking - no M&S food or B&M inclusion!

I used a Barclaycard in an M&S food hall. When I click on the transaction in the BC app it shows the "Business Type" as "Grocery & Super" - the same as transactions at Asda, Sainsbury's and Morrisons. On that evidence, I believe that the transaction would have qualified for cashback had I used the Nationwide card.

Why? If Nationwide and Marks & Spencer haven't agreed a discount arrangement, it won't happen

Although Nationwide have been rather vague about the details of this offer, there is nothing to indicate that the cashback is funded by anyone other than Nationwide (members) themselves.

flaneurs_lobster

Vortigern said:

I wonder if it's possible to pay for clothing at the food hall tills?

Yes it is but anything more than a pack of socks will generate a serious outbreak of tutting and eye-rolling from the queue behind you. 

TwiceNightly

Section62 said:

redux said:

Vortigern said:

Rich2808 said:

Still shocking - no M&S food or B&M inclusion!

I used a Barclaycard in an M&S food hall. When I click on the transaction in the BC app it shows the "Business Type" as "Grocery & Super" - the same as transactions at Asda, Sainsbury's and Morrisons. On that evidence, I believe that the transaction would have qualified for cashback had I used the Nationwide card.

Why? If Nationwide and Marks & Spencer haven't agreed a discount arrangement, it won't happen

Although Nationwide have been rather vague about the details of this offer, there is nothing to indicate that the cashback is funded by anyone other than Nationwide (members) themselves.

Yes I think it's funded by a pot of money that is saved from not increasing their savings account interest rates.

redux

Section62 said:

redux said:

Vortigern said:

Rich2808 said:

Still shocking - no M&S food or B&M inclusion!

I used a Barclaycard in an M&S food hall. When I click on the transaction in the BC app it shows the "Business Type" as "Grocery & Super" - the same as transactions at Asda, Sainsbury's and Morrisons. On that evidence, I believe that the transaction would have qualified for cashback had I used the Nationwide card.

Why? If Nationwide and Marks & Spencer haven't agreed a discount arrangement, it won't happen

Although Nationwide have been rather vague about the details of this offer, there is nothing to indicate that the cashback is funded by anyone other than Nationwide (members) themselves.

I think it quite possible that this is a co-promotion

There are various prepaid debit cards that offer cashback at certain stores. I doubt that this is funded by other customers of the card system.

Nebulous2

Nationwide said they had allocated £99 million for this and reserved the right to stop the promotion once the money was gone. Doesn't sound like they are getting support from anyone else. 

Section62

redux said:

Section62 said:

redux said:

Vortigern said:

Rich2808 said:

Still shocking - no M&S food or B&M inclusion!

I used a Barclaycard in an M&S food hall. When I click on the transaction in the BC app it shows the "Business Type" as "Grocery & Super" - the same as transactions at Asda, Sainsbury's and Morrisons. On that evidence, I believe that the transaction would have qualified for cashback had I used the Nationwide card.

Why? If Nationwide and Marks & Spencer haven't agreed a discount arrangement, it won't happen

Although Nationwide have been rather vague about the details of this offer, there is nothing to indicate that the cashback is funded by anyone other than Nationwide (members) themselves.

I think it quite possible that this is a co-promotion

There's no evidence of that though.

The only thing we have in the form of evidence (so far) is Nationwide's comments about their £99m pot.

If it were a co-promotion then I would expect that to comply with the law there would need to be greater clarity over which stores were included (you can't just say "Get 5% when you shop at M&S" if only selected stores are part of the deal) and the retailers may also have to apply the statutory exclusions (e.g. baby formula etc).

where_are_we

"You can view the cashback you've earned online using our Banking app or Internet Bank."

Has anyone been able to view the cashback? All I can view in my statements are the supermarket name, date and amount. What am i missing?

"If we have your mobile number and you earn over £3 cashback per month, we'll text you to let you know the cashback has been paid into your account."

I earned more than £3 cashback in March but have had no text. Has anyone had a text confirmation of cashback for March?

[Deleted User]

I earned more than £3 cashback in March but have had no text. Has anyone had a text confirmation of cashback for March?

It says it will text when it has paid into your account. That's not until 6 weeks after the end of the month so it will be a while yet.

RG2015

where_are_we said:

"You can view the cashback you've earned online using our Banking app or Internet Bank."

Has anyone been able to view the cashback? All I can view in my statements are the supermarket name, date and amount. What am i missing?

"If we have your mobile number and you earn over £3 cashback per month, we'll text you to let you know the cashback has been paid into your account."

I earned more than £3 cashback in March but have had no text. Has anyone had a text confirmation of cashback for March?

Has anyone asked Nationwide and also asked whether a particular outlet qualifies?