efficient and courteous service I had made a silly mistake filling out an online form which resulted in not receiving a "reward" voucher. I filled in the "contact" form on the website. The error was rectified without any queries and I received the voucher the following day. I was VERY impressed with the speed and efficiency of the service and the courtesy of the email which I received from the company's Customer Service department.

Very useful and great discounts Very useful and great discounts. I love using this platform. I usually find retailers that I shop from regularly, which helps me save money!

Avoid if you are not going to use it regularly. A company that is supposed to help the public sector that profits by it! Expensive for a simple cash-back card, there are a lot of other great ones out there that do not change you for not using your card regularly. The annual fee of £2.99 is ok, but a £5 charge per month for not using it or topping up is extremely steep in my opinion. I checked my account at the weekend to find out I had been charged £12.99 (I have now closed my account). I feel they are making money for doing nothing. Unless you shop regularly and remember to top up your card avoid as it isn't worth it.

Don't go out with this as your only form of payment. I have had an NHS discounts card for a number of years. Gradually over time the reliability of the card to actually pay is very low. It fail as roughly 1 in 5 times used, won't work contactless or chip and pin. The discounts are reasonable and we persevered for a good while. Told can't continue using card as have retired, bit annoying as I have 38 years NHS service, but to be honest I was going to pack the card up anyway due to unreliability.

Advisors very helpful and informative Advisors very helpful and informative. Explained the glitch clearly and concisely. Thank you.