Buying discounted gift cards with credit card

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81944616#Comment_81944616

Does buying the gift card itself grant any kind of discount or is all the value from Topcashback (or Quidco) cashback?

That's a rather convoluted way of spending money (buy a Lifestyle gift card that has to be converted into a store gift card 24 hours before you can use it and then hope your cashback tracks OK and you get your money some time later).

For the sake of a quid on a £100 spend I'd rather use everup while I'm in Sainsburys just before checkout for an immediate discount.

HonestJohn

https://forums.moneysavingexpert.com/discussion/comment/81944643#Comment_81944643

I use everup but the discounts vary all the time. I don't have a problem with Lifestyle. I buy my card in advance. If you want a guaranteed 5% buy a Sainsbury's Christmas Club Card and top up before the beginning of November.

born_again

Remember that if buying something over £100 & under £30K on gift card paid via CC. You have lost any chance of a S75 claim & chargeback.

As you paid for & received a gift card.

Grumpy_chap

https://forums.moneysavingexpert.com/discussion/comment/81944701#Comment_81944701

Not necessarily.

Say I want to buy a "thing" from Curry's for £308. I buy the discounted gift cards for the majority (£300) and then pay the balance (£8) on the credit card.

born_again

https://forums.moneysavingexpert.com/discussion/comment/81944830#Comment_81944830

True for S75, in that case.

Nasqueron

https://forums.moneysavingexpert.com/discussion/comment/81944616#Comment_81944616

4% for normal members, at least for me