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.
Understanding Promotional Limits
When you spend beyond the promotional cashback limit, the cashback calculation is divided into two parts: the promotional rate applies only up to the limit, and the standard rate applies to any amount exceeding the limit. Below is a detailed explanation:
Promotional cashback offers, such as a 20% cashback boost, are subject to a predefined spending limit. This limit determines the maximum amount eligible for the promotional rate. For example, if your promotional limit is 300 EUR, only purchases up to this amount will qualify for the 20% cashback rate.
Cashback Rates Beyond Limits
Once your spending exceeds the promotional limit, the standard cashback rate (typically 1%) applies to the excess amount. For instance:
If you spend 100 EUR and your promotional limit is 95 EUR, you will earn 20% cashback on the first 95 EUR and 1% cashback on the remaining 5 EUR.
Similarly, if you continue to make purchases after fully utilizing your promotional limit, all subsequent eligible spending will earn cashback at the standard rate of 1%.
Cashback 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 |
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.