£50 Mastercard for £45.86 instore @ Wilko
769°Expired

£50 Mastercard for £45.86 instore @ Wilko

179
Found 8th Oct
In our local Wilko the banner is showing 15% off three different gift cards. One of them is this £50 Mastercard that can be used as a credit card.

The full cost of the card is £53.95, but with 15% off total payable is £45.86, so overall an immediate 9% return on your investment of £45.86.

The card is not chip & pin, and can't be used to withdraw money.. After 6 months, I believe a £2/£3 per month fee is deducted. So best to use it immediately to pay for £50 of petrol, or another £50 purchase!

Top comments

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Busy day - scooped up 40 in total

Seems too good to be true? Buy one, use it to buy another and then another and then another...

y-oh-y21 h, 27 m ago

Check to see if you can pay it into PayPal and then into your account.


This. Used to do it with 3v cards when Morrison's did that amazing fuel save scheme. Would buy £1300 or so a time (split in to several transactions as more than 5 was sloooooooow through the tills)
Gift cash to your wife's account, have her Xfer it back and WD as cash back to your bank a/c.
3v cards were classes as debit cards by paypal, if it's same case here I'm off to clear shelves of all my locals. Can also spend love2shop vouchers cards here, get 8% off.

I make that £7.91 profit per card.

Edit - This offer expires 12/10
Edited by: "jaydeeuk1" 9th Oct

Seems like a lot of effort
179 Comments

Seems too good to be true? Buy one, use it to buy another and then another and then another...

Check to see if you can pay it into PayPal and then into your account.

y-oh-y21 h, 27 m ago

Check to see if you can pay it into PayPal and then into your account.


This. Used to do it with 3v cards when Morrison's did that amazing fuel save scheme. Would buy £1300 or so a time (split in to several transactions as more than 5 was sloooooooow through the tills)
Gift cash to your wife's account, have her Xfer it back and WD as cash back to your bank a/c.
3v cards were classes as debit cards by paypal, if it's same case here I'm off to clear shelves of all my locals. Can also spend love2shop vouchers cards here, get 8% off.

I make that £7.91 profit per card.

Edit - This offer expires 12/10
Edited by: "jaydeeuk1" 9th Oct

Original Poster

It is more difficult (not impossible) to use Online, as it has no name on it and doesn't have any address registered which is used during processing / authorisation. When I tried to register it on the website printed on the back of the card, the website didn't work..
However, I used it in a supermarket by swiping on the side of the chip & pin machine, and there were no problems. You are asked to sign, like before the times of chip&pin.
Calling the 0333 number and entering the card number gives the Balance as £50.

jaydeeuk15 m ago

This. Used to do it with 3v cards when Morrison's did that amazing fuel …This. Used to do it with 3v cards when Morrison's did that amazing fuel save scheme. Would buy £1300 or so a time (split in to several transactions as more than 5 was sloooooooow through the tills)Gift cash to your wife's account, have her Xfer it back and WD as cash back to your bank a/c.3v cards were classes as debit cards by paypal, if it's same case here I'm off to clear shelves of all my locals. Can also spend love2shop vouchers cards here, get 8% off. I make that £7.91 profit per card.



That sounds like money laundering to me.

jaydeeuk15 m ago

This. Used to do it with 3v cards when Morrison's did that amazing fuel …This. Used to do it with 3v cards when Morrison's did that amazing fuel save scheme. Would buy £1300 or so a time (split in to several transactions as more than 5 was sloooooooow through the tills)Gift cash to your wife's account, have her Xfer it back and WD as cash back to your bank a/c.3v cards were classes as debit cards by paypal, if it's same case here I'm off to clear shelves of all my locals. Can also spend love2shop vouchers cards here, get 8% off. I make that £7.91 profit per card.


Yes, those 3v cards were the business.
I bought mine from Tesco and used to clear the shelves.
I'm still spending the Tesco points.

smallclone2 m ago

That sounds like money laundering to me.


Lol.

smallclone3 m ago

That sounds like money laundering to me.


I see it more of taking advantage of a glitch.
Think of it as buying £50 notes cheaply.

Original Poster

y-oh-y5 m ago

I see it more of taking advantage of a glitch.Think of it as buying £50 …I see it more of taking advantage of a glitch.Think of it as buying £50 notes cheaply.


It's not a glitch. There are 3 different gift cards that Wilko are advertising as 15% off.. The others were GAP and "Beer Money". Deal is shown on their website.
I believe they are clearing "Old Stock", as the newer £50 card packs look more festive...
From time to time I do see Tesco & Morisson running a deal on Gift Cards, selling them below face value. But usually, they're Google Play, Apple credit or Pizza Express...

Seems like a lot of effort

jakerushworth3 m ago

Seems like a lot of effort



Good, more left for the rest of us.

plokij7 m ago

It's not a glitch. There are 3 different gift cards that Wilko are …It's not a glitch. There are 3 different gift cards that Wilko are advertising as 15% off.. The others were GAP and "Beer Money". Deal is shown on their website. I believe they are clearing "Old Stock", as the newer £50 card packs look more festive...From time to time I do see Tesco & Morisson running a deal on Gift Cards, selling them below face value. But usually, they're Google Play, Apple credit or Pizza Express...



No, not a glitch with the offer.
It was an argument against money laundering post.
A glitch in being able to buy cheaply and pay back into your account and repeat.If possible of course.

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Could this be spent on Argos, Amazon etc?
Got a few toys I need to buy for Xmas.

This is basically free money which is amazing! But the £3.95 fee Mastercard charge for buying one of these is disgusting.

JPS7 m ago

This is basically free money which is amazing! But the £3.95 fee …This is basically free money which is amazing! But the £3.95 fee Mastercard charge for buying one of these is disgusting.




Yes, the fee is bad and apart from this deal, I can't see any logic.
Those 3v cards had no fee.

Original Poster

1616french35 m ago

Could this be spent on Argos, Amazon etc?Got a few toys I need to buy for …Could this be spent on Argos, Amazon etc?Got a few toys I need to buy for Xmas.


Amazon would be difficult, without registering the cards online which wasn't working when I tried.
Argos, should be possible if the have "swipe" card terminals.

I used mine at the local Morissons, the side of the chip & pin reader has a swipe slot. The receipt is printed with a signature area, which you are asked to sign..

Nice find, I'll bet the guy who cleared the shelves of bananas at Tesco a few years ago will already be on the case.

(£1 bananas got £1.10 worth of Tesco points; he took a trailer to the supermarket with him, then gave the bananas away in the city centre).

Why is the initial charge for the £50 card £53.95???

1616french9 m ago

Why is the initial charge for the £50 card £53.95???


£3.95 MasterCard processing fee

There are some cool things you can do with these cards but you can find that out for yourselves
Edited by: "Madchester" 8th Oct

nice deal plonki

Madchester13 m ago

There are some cool things you can do with these cards but you can find …There are some cool things you can do with these cards but you can find that out for yourselves

With that username, prob to make neat white lines

So can you use a card to buy a card? And just pay the initial 3.95 once?

If you intend getting one of these to then transfer the money elsewhere, and you know it will work, then fine, go for it, but if you intend to just use it in-store for shopping, instead of your normal card, don't bother, because its hit and miss whether it will be accepted or not.
I got one back in the summer when Sainsburys were doing a similar offer. It was accepted in Morrisons, but refused in Tesco, accepted in Asda but then refused in Home Bargains.
It was initially accepted in Toolstation, but when I went back the next week to buy something else it was refused.
On each occasion I swiped it down the slot on the side of the reader because I knew it had no pin, so that wasn't the issue.
It was more hassle than the small saving was worth and I was glad to get rid of it, but obviously it does work for some people in certain situations so I haven't voted either way.
Just don't expect to be able to use this everywhere like a normal credit card, because you can't.
Edited by: "Delbert.Grady" 8th Oct

Can you easily use more than one of these cards in a single transaction ie game Argos for ps4 or xbox with black Friday round the corner would make these a no brainer ???

Are these basically the same as the cards you get from bt/ee for signing up?

Will this work at a self service petrol station ?

Original Poster

As they're sold by Wilko, I'd assume they'd also be accepted by Wilko as payment.

So they could then be used to buy any other Gift card. A wide selection of shops, Amazon, etc were on offer if you want to then "get out" of the Vanilla Mastercard due to difficulty using them elsewhere.
Edited by: "plokij" 8th Oct

If you find a shop which will allow you to use the swipe system your lucky.
Most shops don't allow them due to how easily they can be copied, and also with advent of chip and pin, in some shops they don't instantly authorise the transaction.

so you could have £1 on your card use it for a purchase of x amount and the shop would just authorise it to process the transaction later on.

devlino1 h, 42 m ago

With that username, prob to make neat white lines


No not that. Much cooler than that.

MonkeysUncle14 m ago

If you find a shop which will allow you to use the swipe system your …If you find a shop which will allow you to use the swipe system your lucky. Most shops don't allow them due to how easily they can be copied, and also with advent of chip and pin, in some shops they don't instantly authorise the transaction. so you could have £1 on your card use it for a purchase of x amount and the shop would just authorise it to process the transaction later on.



Exactly what I found, very hit and miss regarding which shops accept it.
A pity, because if you could use this everywhere like a normal card, it would be a winner.

Bargainhunt21 h, 22 m ago

Can you easily use more than one of these cards in a single transaction ie …Can you easily use more than one of these cards in a single transaction ie game Argos for ps4 or xbox with black Friday round the corner would make these a no brainer ???



I think in the past I found that argos have a limit of 4 or possibly 6 cards per transaction.

jaydeeuk15 h, 10 m ago

This. Used to do it with 3v cards when Morrison's did that amazing fuel …This. Used to do it with 3v cards when Morrison's did that amazing fuel save scheme. Would buy £1300 or so a time (split in to several transactions as more than 5 was sloooooooow through the tills)Gift cash to your wife's account, have her Xfer it back and WD as cash back to your bank a/c.3v cards were classes as debit cards by paypal, if it's same case here I'm off to clear shelves of all my locals. Can also spend love2shop vouchers cards here, get 8% off. I make that £7.91 profit per card.



How do you get 8% off love2shop vouchers??

DavidL12 m ago

How do you get 8% off love2shop vouchers??


Perkbox

m1chaels1 h, 41 m ago

I think in the past I found that argos have a limit of 4 or possibly 6 …I think in the past I found that argos have a limit of 4 or possibly 6 cards per transaction.


But argos gift card with 4 or 6 and then use the argos gift cards to purchase the product and use another 4/6 pre paid cards?

Do they offer student discount?

jaydeeuk15 h, 40 m ago

This. Used to do it with 3v cards when Morrison's did that amazing fuel …This. Used to do it with 3v cards when Morrison's did that amazing fuel save scheme. Would buy £1300 or so a time (split in to several transactions as more than 5 was sloooooooow through the tills)Gift cash to your wife's account, have her Xfer it back and WD as cash back to your bank a/c.3v cards were classes as debit cards by paypal, if it's same case here I'm off to clear shelves of all my locals. Can also spend love2shop vouchers cards here, get 8% off. I make that £7.91 profit per card.


Do they still do the 3v cards?

Madchester3 h, 32 m ago

No not that. Much cooler than that.


Spill the beans man. I'm on tenterhooks here

Also, does anyone know if these can be paid into a bank account? And if they can be bought using a credit card? (Or is it classed as a cash advance?)

For the sake of making 10 pence worth of club card points? That’s retarded
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