There are three main reasons why your cashback may be lower:
Transaction limit exceeded
Your purchase amount is higher than the cashback limit for that specific category.Period limit reached
You’ve reached your monthly or annual cashback limit for the current period.Incorrect Category
The transaction was not recognized under the category you expected, so a different (usually lower) cashback rate was applied.
(1 and 2) The transaction reached a limit
How is cashback calculated in these cases?
The category cashback rate (e.g., 2%, 3%) is applied only up to the category limit.
Any remaining amount may still earn cashback at the default/base rate (1%), if:
It’s eligible, and
You haven’t reached the default cashback limit.
If the default cashback limit is also reached, no further cashback is applied.
Examples
Example 1: Category limit exceeded
You spend €300 in a supermarket.
Category cashback: 2% of €250 (category limit)
Remaining €50:
Earns 1% cashback, if you haven’t reached the default cashback limit
Total cashback = (2% × €250) + (1% × €50)
Example 2: Monthly default limit nearly reached
You’ve already spent €2,800 in default cashback transactions in April.
You make a €400 purchase (not in a special category).
Monthly default cashback limit is €3,000
Remaining eligible amount: €200
Cashback = 1% of €200 only
No cashback on the remaining €200
The limit resets on May 1st - the first day of the following month
Example 3: Both category and default limits apply
You spend €100 on an Uber payment.
Category limit: €50
Remaining default cashback allowance: €20
Calculation:
3% of €50 (category portion)
1% of €20 (remaining default allowance)
No cashback on the remaining €30
Total cashback = (3% × €50) + (1% × €20)
Cashack Limits
Merchant / Category | Rate | Cap |
All eligible purchases (default) | 1% | €500 per transaction · €3,000/month in transactions value |
Uber, Bolt | 3% | €50 per transaction · €500/month in transactions value |
Just Eat, Deliveroo, Uber Eats, Glovo, Bolt Food | 3% | €50 per transaction · €500/month in transactions value |
Netflix | 20% | €20/month in transactions value |
Amazon Prime | 20% | €10/month in transactions value |
YouTube Premium | 20% | €20/month in transactions value |
Disney+ | 20% | €200/year in transactions value |
ChatGPT | 20% | €30/month in transactions value |
Gemini | 20% | €20/month in transactions value |
Claude | 20% | €250/year in transactions value |
Xbox Game Pass | 20% | €30/month in transactions value |
PlayStation Plus | 20% | €220/year in transactions value |
Nintendo Switch Online | 20% | €80/year in transactions value |
Steam | 20% | €80/year in transactions value |
Restaurants & supermarkets (promo until 31 May 2026) | 2% | €250 per transaction · €1,000/month in transactions value |
(3) Why a transaction may not match the expected category
For a transaction to qualify for a specific cashback category:
The merchant must be classified with the correct MCC (Merchant Category Code).
For specific campaigns, the merchant name must clearly match the expected provider.
Example:
If you pay for a Claude subscription, the transaction description should clearly include “Claude” in the merchant name. Otherwise, it may not qualify for that category.