Hiver - Where Can You Get Cashback?

Miss B on 07/05/2022 - 08:38
Last edited 07/09/2022 - 10:38

Note: It's all over. Cashback will not apply to transactions that settle from 5pm EST Wednesday, 7 September 2022 onwards.

I don't know if this will take off, but I just thought we could pool our efforts to find out what merchants come under the cashback categories for Hiver. I'll try to add them to the post when people confirm.

Feel free to comment below with either confirmed or questions. It would be great if you update if no one answers and you find out.

See deal here if you have no idea what I'm talking about.

Finding Merchant code: Once the transaction has settled, click on the transaction and the category will be listed.

You can download your transaction history to help work out if you got all of your expected cashback. Brisdaz has requested Hiver add the Merchant Code to the file to make this easier, if you would like this added you may wish to request this also.

Merchants that work

Hiver have advised BPAY doesn't work for cashback.

Updated T&Cs advise cashback now only applies to Visa purchases (i.e. not eftpos/savings) via mobile payments (e.g. Apple/Google pay), online payments or PayWave. Some merchants, including some Coles stores, route tap and pay through eftpos, but paying through Google/Apple Pay goes through Visa (as long as you don't set it up as eftpos when you add the card to your digital wallet).

Appears to work even when paying through PayPal (does not work for Payin4) with the Hiver card.

Grocery stores, supermarkets
- Woolworths/Aldi/Coles
- Woolworths Gift Card site (NOT PayPal payment) don't forget to click through from wherever you get a discount e.g. Student Edge
- IGA
- Foodworks
- NQR (confirmed in SA, should be nationwide)
- Harris Farm Markets
- Some Asian grocers, you might need to check your local
- QLD Fresco (Sunnybank)
- QLD T-Bones Fresh Food Market in Aspley
- QLD Flannerys
- QLD Fresh Sensations
- WA Melissa’s (filipino) Supermarket in Huntingdale
- WA Spudshed
- WA Farmer Jacks
- WA Karrinyup Fresh Market
- WA NP Import & Export (Asian supermarket) - Northbridge
- WA NP Carousel Supermarket at Cannington
- WA Chan Bro in Willetton
- WA Kongs Oriental Supermarket (East Victoria Park)
- WA MCQ @ Morley
- WA Les Family Fresh Forrestfield
- VIC Asian grocer outside JB Hifi at The Glen
- VIC Big Daddy's in Manor Lakes
- VIC Henry's Mercato
- VIC Marketplace Fresh
- VIC Hu Hui Supermarket (Hawthorn East)
- VIC Big Watermelon/Bushy Park
- VIC San Andres of Watergardens (Taylors Lakes)
- VIC Saigon Village (The Fruit Hustle Pty) (Abbotsford)
- SA Foodland
- SA Homes Supermarket (Adelaide Chinatown)
- SA Times Supermarket (Adelaide Chinatown)
- NSW Tong Li Supermarket (Rhodes/Burwood Plaza)
- NSW Marketplace HENLEE Supermarket (Burwood Plaza)
- NSW Zetciti Asian Supermarket (Rhodes central)
- NSW Jusco Supermarket (Carlingford)
- NSW Orange Supermarket (Wentworth Point)
- NSW OK Supermarket (Eastwood)
- NSW Flannerys
Freezer and Locker Meat Provisioners
- VIC Fish Pier at Ringwood/Westfield Doncaster
- QLD Andrews Meats @ Indooroopilly (including their Grill eating area)
- QLD P&L Fresh Meats in Oxley
- NSW HeyMeat (Rhodes Central LG opp Woolies)
- WA Hanuri Korean Butcher & Grocery (East Victoria Park)
Bakeries
- Bakers Delight
- Breadtop
Miscellaneous Food Stores - Convenience Stores and Specialty Markets
- 7-Eleven (city store that doesn't sell fuel, includes purchase of gift cards)
- The Source Bulk Foods
- QLD Pennisi Cuisine in Woolloongabba
- QLD Blunder Rd Country Markets Fruit Shop in Oxley
- QLD Market Organics (several stores in SE QLD)
- QLD Orion Fruit Market, Springfield
- VIC Casaccio egg farm in Werribee
- VIC TANG – The Asian Food Emporium
- NSW Banksia Bakehouse in Sydney
- NSW Happigo Supermarket in Eastwood
- NSW Shortstop Coffee and Donuts
- WA Family fresh market in Belmont forum
- WA Vic Park Fresh Fruit & Veg (East Victoria Park)
Telecommunication Services
- Recharging Launtel account
- Crazytel (worked for one person, didn't for another)
- Tangerine Internet
- Mate (NBN, VoIP and mobile service)
- Telstra (Visa DD/click to pay), Note: One person reported their NBN payment went through with an ineligible MCC, may vary based on service and/or method of payment (2/3 successful - Debit card payment may work, but not PayPal?).
- Circles Life
- Freedom Internet
- Woolworths Mobile
- Aldimobile (online)
- Boost Mobile (Online recharge via web)
- Belong (via PayPal)
Utilities
- Reamped Energy (online debit card payment)
- Globird energy (direct debit from card)
- Red Energy (direct debit from card)
- Tango Energy (online payment with card)
- Alinta Energy
- AGL Electricty + Gas (Inc PayPal)
- Origin Energy
- Energy Australia
- Lumo Energy
- Amaysim
- Discover Energy
- Electricity in a Box
- Dodo Electricty
- NECTR (electricity & gas)
- Energy Locals
- QEnergy(electricity) (phone/post bill pay)
- Telstra Plus rewards store (paying part points part card)
- NSW Sydney Water (online debit card payment/PayPal)
- VIC Greater Western Water (via portal online debit card payment)
- VIC Central highland waters
- WA Watercorp (direct debit)
- WA Synergy
- WA Kleenheat gas (monthly smart saver DD)
- SA SA Water
- QLD Unity Water (Brisbane)
Commuter transport and ferries
- VIC Myki top up (confirmed digital via Google Pay, and physical via machine at station and webpage)
- QLD Translink
- NSW Opal card (contactless tap/auto top-up from online registered card)
- SA Adelaide Metro Card (online top up/self serve machine)
Not specified
- Seene

Merchants that don't work

Not exhaustive, things you would expect to work that don't, or if you pay through PayPal for a merchant that otherwise works etc.

Wholesale Clubs
- Costco
Computer/Network Services
- Superloop
- MyRepublic
- TPG
- Aussie Broadband
- Origin Broadband
- iinet internet bill
- Coles Mobile (recharge via app)
- Belong Mobile
Service Station
- 7 Eleven (petrol station selling fuel)
- Woolworths co-branded servos
Computer Software Stores
- Catch Connect mobile (auto recharge)
- SimCorner (retailer of travel SIM cards)
Telecommunication Equipment and Telephone Sales
- Vodafone 5G Home Internet bill
- Optus (DD for mobile/tablet plans)
- Telstra Home Internet NBN (PayPal? May work for Debit card, results have varied)
- Spintel
Advertising Services
- Hellofresh
Ecommerce or Mobile Transaction
- Woolworths using 'Everyday Pay'
Government Services (Not Elsewhere Classified)
- Momentum Gas
- NT Jacana Energy
- VIC South East Water via Visa on webpage
- VIC Yarra Valley Water
- QLD Urban Utilities
- NSW Hunter Water
Electronics Stores
- Future Broadband
Computer Programming
- Exetel
Miscellaneous speciality retail
- metcashgiftcards.com.au (for buying gift cards, e.g. IGA)
- Felix Mobile
Caterers
- Dinnerly / Marley Spoon
Discount Stores
- The Reject Shop
- Bodero
Miscellaneous Specialty Retail
- PayPal Payin4 payments
Not specified
- Leaptel
- Southern Phone

Cashback Categories

Reminder of categories, thanks Negative Globalism, I've stolen your idea.

  • Grocery purchases (classified by Visa's 'Merchant Category Code' as
    • 'grocery stores and supermarkets' MCC 5411;
    • 'Freezer and Locker Meat Provisioners' - MCC 5422;
    • 'Candy, Nut and Confectionery Stores' - MCC 5441;
    • 'Dairy Products Stores' - MCC 5451;
    • 'Bakeries' - MCC 5462;
    • 'Miscellaneous Food Stores - Convenience Stores and Specialty Markets' - MCC 5499),
  • Public transport (classified by Visa's 'Merchant Category Code' as
    • 'commuter transport and ferries' - MCC 4111;
    • 'passenger railways' - MCC 4112;
    • 'bus lines' - MCC 4131),
  • Bills (classified by Visa's 'Merchant Category Code' as
    • 'Telecommunication Services' - MCC 4814;
    • 'Utilities' - MCC 4900),
  • Uniforms (classified by Visa's 'Merchant Category Code' as
    • 'Uniforms, Commercial Clothing' - MCC 5137;
    • 'Commercial Footwear' - MCC 5139)
Financial

Related Stores

Hiver Bank
Hiver Bank

Comments

  • hellwolf on 23/05/2022 - 08:11

    Payment for Telstra Home Internet NBN has a merchant category of '4812 - Telecommunication Equipment and Telephone Sales'.

  • Franconian on 23/05/2022 - 08:49

    How long does it take to get the cashback? Used it at a few supermarkets and payments are fully cleared, but no cashback yet?

    • hellwolf on 23/05/2022 - 09:27
      +2

      Cash back will be deposited into the member’s Everyday account in the first five days of a new month.

    • Poor Ass on 30/07/2022 - 18:39

      I get mine on the 5th business day start each month

  • excusemesir on 23/05/2022 - 18:27
    +1

    Fish pier at ringwood Vic. May be the same at other stores. Freezer and locker meat privisioners.

    • [Deactivated] on 24/05/2022 - 00:42

      Fish Pier at Westfield Doncaster Vic worked for me too

  • ExPrinceHairy on 24/05/2022 - 06:41

    Andrews Meats @ Indooroopilly, QLD (including their Grill eating area) - Freezer and Locker Meat Provisioners

  • gamerkonks on 24/05/2022 - 11:40

    Hellofresh does not work - 7311 - Advertising Services
    Expected it to come up as groceries.

  • gamerkonks on 24/05/2022 - 11:45

    ISP "Mate." works. NBN, VoIP and mobile service.
    4814 - Telecommunication Services

  • Doggiie on 24/05/2022 - 13:01

    TPG payment seems to be considered "Computer Network Services", so probs not?

  • YesPleaseThankYou on 24/05/2022 - 13:07

    There needs to be a way for Hiver to manually override / reclassify merchants where there is obvious misclassification.

  • YesPleaseThankYou on 24/05/2022 - 13:09

    Despite what others have said, I am not convinced that the cash back will be applied to eftpos and direct debit payments. I am making all my payments via Visa.

    • Miss B on 24/05/2022 - 18:00
      +1

      I'm hoping to do an eftpos transaction before the end of the month so I can find out, but haven't gotten around to it yet.

    • ysco on 07/08/2022 - 19:18

      I use ApplePay and have the transaction go through as eftpos SAV rather than Visa (so avoid credit card fees if applied) and have always received the cashback

  • squeeb on 24/05/2022 - 18:09

    Energy Australia = Utilities

  • RickyMoon on 25/05/2022 - 09:28

    Telstra direct debit via Visa= Telecommunications Service

  • timhn on 25/05/2022 - 20:31

    Anyone know if BigW will get cashback? Plan to make some large purchases at BigW soon.

    • Miss B on 25/05/2022 - 20:56
      +1

      Should be right if you purchase a big W gift card on the Woolworths Gift Card site, but it comes up as 'Variety Stores' if you pay with the card in store.

      Edit: You could equally buy BigW gift cards at Woolworths, if you don't get a discount from anywhere on the Woolworths Gift Card site.

  • klean-out on 25/05/2022 - 20:47

    Tried using the Woolworths app, under the new ‘Everyday Pay’ as I received a bonus points offer. Transaction came up as Woolworths, however is listed as ‘Ecommerce or Mobile Transaction’.

    • sween64 on 02/06/2022 - 10:48
      +3

      Better off buying discounted Woolworths eGift Cards and adding the to Everyday Pay. Still good to know though, thanks.

    • Charlie Dont Surf on 09/06/2022 - 10:25

      That's an odd one, thanks for informing us. Definitely an advantage to load GCs into the app instead.

    • blueyez on 15/08/2022 - 20:39

      Good to know. Wonder if HSBC cashback also affected by Everyday Pay, will try it soon.

      Also got an Everyday Pay / Visa offer

      • non-core promise on 15/08/2022 - 21:12

        Wonder if HSBC cashback also affected by Everyday Pay, will try it soon.

        I have not tried it, but I don't think this will work.

        HSBC's 2% cashback applies for tap and pay purchases made via the Visa network (not EFTPOS) under $100 (no part payments either).

        I believe adding your HSBC card to Everyday Pay will not count as a tap and pay purchase.

        Or, someone will correct me and I'll have egg on my face.

        • DoctorCalculon on 17/08/2022 - 19:55

          HSBC must be:
          • Tap and pay (and no least-cost routing by the merchant)
          • <$100
          • No government services

      • bluesky on 16/08/2022 - 11:32

        I tend to agree with Negative Globalism. I am hesitant to try it with Everyday Pay after caution from someone who believed money was stolen from their card linked to Every Pay. However, I have used the HSBC card with the other Woolworths initiative - Scan and Go. And it was not eligible for the 2% cashback. If you are still going to try it, do let us know.

  • AussieBogan on 25/05/2022 - 21:02

    Doesn't work for Jacana energy in the NT - Government Services (Not Elsewhere Classified)

  • kds5pp on 26/05/2022 - 21:02

    Circles Life - Telecommunication Services

    • brisdaz on 21/07/2022 - 18:44

      Another confirmation for Telecommunications Services.

  • Team Ozgiftcards on 26/05/2022 - 23:11

    I just bought something from IGA to test - How do you guys check what the MCC code of a place?

    • gamerkonks on 27/05/2022 - 10:37
      +1

      If you click on the transaction in internet banking, it shows you more details.
      The MCC code is under merchant category on the bottom right of the details.

    • Team Ozgiftcards on 28/05/2022 - 07:05

      IGA: grocery store, supermarket

  • seug123 on 26/05/2022 - 23:35

    What about Opal contactless payment method trips?

    • Miss B on 27/05/2022 - 11:13
      +2

      I don't think anyone has tested yet (or they haven't reported back). Sounds like something that should work, but it's not confirmed.

  • Shadowsfury on 27/05/2022 - 11:29

    Aussie Broadband - out - falls under Computer Network Services

  • blueyez on 29/05/2022 - 00:39
    -4

    Can you please bundle the list by state? It will make it easier to read. Maybe put national at the top.

    I'm still using my card for the first month so have yet to report anything..

    • Miss B on 29/05/2022 - 15:29
      +2

      I've moved the ones only in a single state to the bottom and added the state at the start. I've also removed the MCC from the ones that don't work, as I don't think it adds much and makes it much harder to read. If people feel particularly strongly I can add the MCCs back, I saved the list.

      • ggfatty on 29/05/2022 - 15:40

        Personally I don’t think state is needed. You already doing a great job by making this list. We are helping you to get more business tested . If someone cannot be bother to read carefully or do a keyword search, that is not your fault.

        I prefer to see the MCCs that does not work , that might come in handy in future if other deals are relying on MCC

        It is rare chance that we can identify MCC of any business this way

      • blueyez on 29/05/2022 - 20:24
        -1

        Thanks! So much easier to read and follow, great stuff =)

        Side (general) note - dunno why my comment was negged, was just a suggestion/feedback. Didn't expect to offend anyone by putting an opinion out there. Some things aren't in every state and just makes it easy to read. Maybe I'm old. Plus it differentiates those stores we might have never heard of within our own state, as opposed to being a state specific store elsewhere.

  • psycho06 on 29/05/2022 - 16:36

    Freedom Internet - Telecommunications Services

  • bluesky on 29/05/2022 - 18:19

    My Telstra NBN bill - paid via 'Click To Pay' method - came up as "Telecommunication Services".

    Thanks OP, for collating this useful list.

  • Nousernamehere on 29/05/2022 - 21:56

    WaterCorp (WA) came through as Utilities (direct debit) 👍🏻

    • fritzsticker on 30/05/2022 - 16:50

      Cheers mate

    • fatice on 28/07/2022 - 12:52

      May I know how did you set it up as direct debit. The website rejected the BSB 812812.

      • Nousernamehere on 28/07/2022 - 14:32
        +1

        I did it through credit card payments.

        WaterCorp is fee free for credit/debit cards so just set it up that way instead of direct debit from your account.

        Sorry I should have clarified that in my original post.

        • fatice on 28/07/2022 - 15:08

          That means its VISA debit payment that has the cashback, not direct debit.

          Cheers.

          • Nousernamehere on 28/07/2022 - 15:50
            +1

            @fatice: Well it is still direct debit.

            Just sourced from a credit/debit card rather than a bank account.

  • Ozbaragain on 31/05/2022 - 10:21

    Food Works - Grocery Stores, Supermarkets

  • hanofee on 31/05/2022 - 19:08

    Momentum (gas provider, VIC) comes up as gov services paying directly on their website :(

  • molybtek on 31/05/2022 - 23:49

    Perkbox doesn't work - went through as Buying /Shopping Services.
    Parramatta Council didn't work - government services (not elsewhere classified)
    Tangerine Internet works - Telecommunications services
    Globird Energy works - Utilities

    • slickvic on 12/08/2022 - 15:12

      I tried direct debit on Globird Energy but didn't work, is it still working for you?

    • ScobyInvader on 19/08/2022 - 16:43

      How did you get Tangerine Internet eligible? I did mine via direct debit and it just said Tangerine Telecom.

      • non-core promise on 19/08/2022 - 16:46

        Did you set up direct debit with your card or BSB + account number?

        • ScobyInvader on 20/08/2022 - 10:35

          Yeah I did but the transaction didn’t say telecommunications services

          • non-core promise on 20/08/2022 - 12:12
            +2

            @ScobyInvader: That was an either or question.

            Did you set up direct debit using your Hiver card or did you set it up using your BSB and account number? Which one?

  • Ozbaragain on 01/06/2022 - 10:57

    Central highland waters, Ballarat region - Utilities

    Paid on their website.

  • Gyr on 01/06/2022 - 11:40
    +1

    On two different 7 Eleven petrol stations I've seen the MCC "Groceries: Convenience Store" as shown on ANZ app. Haven't tested it with Hiver yet.
    Wonder if this will also work for petrol stations with Coles/Woolworths attached stores.

  • fritzsticker on 01/06/2022 - 19:57

    Hi Melissa’s Supermarket in Huntingdale WA (filipino store) and spudshed (WA) are both class as Grocery stores, supermarkets

    Cheers

  • sween64 on 02/06/2022 - 10:21
    +1

    Response correlation does not match Request.

    Has anyone else had this error on their app? I've lost all functionality and it was fine just earlier this morning.

    • daanish on 02/06/2022 - 10:31
      +1

      Yep I had the same thing earlier today. Gave up on the app but the desktop website appears to be working currently.

      • sween64 on 02/06/2022 - 10:34
        +1

        I've jumped on live chat, apparently the issues are intermittent and known.

        • daanish on 02/06/2022 - 10:35

          Is live chat accessible on the desktop website? I wanted to chat with them about something else but can't stare at my phone while I'm at work.

  • excusemesir on 02/06/2022 - 12:45

    Asian grocer outside JB Hifi at The Glen. Comes up at grocery store/ supermarket.

    Would license renewal for Vicroads be eligible for 5% cashback?

    • Miss B on 02/06/2022 - 18:01

      Would license renewal for Vicroads be eligible for 5% cashback?

      No, it wouldn't fit any of the eligible categories.

      • DoctorCalculon on 02/06/2022 - 21:52

        Correct. It will come up as Government Services. So, if you are tapping at the counter with your HSBC card, you will also not receive the 2% cashback.

  • dinted on 02/06/2022 - 17:11

    Coles mobile recharge is not possible

  • timhn on 02/06/2022 - 17:40

    Anyone know when do we see the cashback?

    • hellwolf on 02/06/2022 - 17:50

      In the first 5 days of the following month

      • DoctorCalculon on 02/06/2022 - 21:54

        I have a feeling it will be a lump sum payment rather than being itemised like HSBC.

        • timhn on 03/06/2022 - 12:52
          +1

          Yep, one lump sum deposited before 12pm today.

  • Miss B on 03/06/2022 - 08:26
    +2

    I added up my total and it was correct including the gift card from the Woolworths gift card site (no reason it shouldn't given it comes up as Grocery Store) and the eftpos purchase (at Aldi) was also successful. My electricity bill was paid on the 30th and didn't settle until the 1st and as I expected it's not included this month. Very different amounts, so quite certain of what was and wasn't included.

    • hellwolf on 03/06/2022 - 08:31
      +1

      Is that for May spend? No cashback for me yet.

      • Miss B on 03/06/2022 - 08:35
        +2

        Yeah, landed at 8:10, but they might come through throughout the day.

      • fritzsticker on 04/06/2022 - 13:20

        Yes same bo cashback for me yet

    • hellwolf on 03/06/2022 - 09:18

      Mine just came in, everything that had a matching MCC received cashback as my calculations match the figure I received.

  • Shikha966 on 03/06/2022 - 08:48
    +2

    Received cashback. They gave cashback for Sydney water bill payment via PayPal (no cc fee).

  • techlead on 03/06/2022 - 10:44
    +1

    Telstra Plus rewards store is showing up with merchant code as 4900 - Utilities. That means there should be a 5% cashback, right?

    I recently got the Pixel buds A series for $72 and 2500 points, the transaction has confirmed and it has that merchant code.

  • techlead on 03/06/2022 - 10:46

    Anyone tried with council fees? What merchant code do they fall under?

    • timhn on 03/06/2022 - 12:51
      +1

      You can try and tell us. I would think it would be under "Government"

      • techlead on 03/06/2022 - 13:15

        I was hoping someone else tried lol.

        Fine, I will be a guinea pig, I will try it out.

        • daanish on 03/06/2022 - 13:17
          +2

          I think it's going to depend on which council you are under anyway so without that info no one would have been able to confirm for you regardless. Just make a $1 payment as a test amount to see what the transaction lists under.

  • skill on 03/06/2022 - 15:36

    Amaysim mobile worked. Pay by the visa card online - Utilities.

    • skill on 10/06/2022 - 23:12
      +1

      Just to correct Amaysim mobile is under telecommunications Services.

  • excusemesir on 03/06/2022 - 17:34

    Mine came through this morning at ~8:30. Cashback amount is correct per my calculations.

  • coolsteps on 04/06/2022 - 11:21

    doesnt work for LCC council fees and first choice liquor. if it works at any other liquor stores please let us know?

    • YesPleaseThankYou on 04/06/2022 - 11:22
      +1

      Liquor is not groceries.

      Buy the relevant gift card from Woolworths or Coles and go for it.

    • Miss B on 04/06/2022 - 11:49

      If you get discounted gift cards on the Woolworths Gift card site, from somewhere like Student Edge/Entertainment Book etc., you can get ~5% off Dan Murphy or BWS gift cards and get the 5% cashback.

  • daanish on 05/06/2022 - 13:44
    +1

    Miscellaneous Food Stores - Convenience Stores and Specialty
    Pennisi Cuisine in Woolloongabba, QLD
    Blunder Rd Country Markets Fruit Shop in Oxley QLD

    Freezer and Locker Meat Provisioners
    P&L Fresh Meats in Oxley QLD

  • blueyez on 06/06/2022 - 10:37

    A lot of my transactions weren't credited, now to figure out what the random amount came from…

    I mainly used myki top up (via a machine, this was not credited) and a few local bakeries.

    • Miss B on 06/06/2022 - 16:53

      myki top up (via a machine, this was not credited)

      That's strange. Does it not show as "Commuter transport and ferries"? Had it settled by the end of the month? Someone else reported theirs did show as that.

      • bdl on 08/06/2022 - 20:41

        Definitely worked for me at a machine with a contactless transaction. Maybe if you insert card or select non-credit account, it is different?

  • Cluster on 06/06/2022 - 12:12

    I can verify Hiver gave me 5% cash back on my Lumo electricity bill. Online debit card payment.

  • skill on 06/06/2022 - 13:48
    +2

    I can confirm Aldi cashback worked with the EFTPOS saving payment option (no surcharge for saving option) another saving of 0.5%.

    • SydOzber on 20/06/2022 - 23:47

      this should be updated in the OP.

  • ErrolR on 06/06/2022 - 17:06

    Does anyone know if Urban Utilities (Water) in Brisbane qualifies under utilities and if so does payment by Bpay qualify?
    Great work putting this together Op

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