Great option to get Cashback The majority of my regular cashback comes from my weekly Sainsburys shop. Great card with 5% off, easy to use, getting cashback is seamless and is very useful for big purchases/at Christmas-time etc. I do all my weekly grocery shopping on it and we use it as our family expenses card, paying for meals out and trips away.

Really impressed I have recently started a new job and was made aware of the benefits I have access to within a couple of days of joining, and the discounts are absolutely amazing! I have only been using them a couple of weeks and have already saved £35 on a new phone and about £20 on my food shops. I've just received and activated the cashback card I ordered through the website on recommendation of a colleague and I'm super excited to start using that too!

Very disappointed Very disappointed. Signed up to this card through Totum. I topped up the card and added it to my apple wallet, however, it will not verify. I have contacted customer service and still not had any luck after over a week. I cannot access my money or use my card. I have requested that I have my money returned and a refund on the card fee, or alternatively a plastic card rather than a virtual one, but I am getting no reponse. I will be taking legal advice.

Really good offers via employee access Really good offers via employee access, often much better than other cashback sites. I saved about £30 on a new sofa at Argos, and have also saved on Just Eat and Apple. I would use it more often if some of the discounts were higher, it can be time consuming logging in and buying discount vouchers to save 4% on a £12 takeaway, but it's worth it for larger purchases. I'm grateful that my employer provides this benefit.

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.