TopGiftCards Review (2026): How to Save Money on UK Supermarkets & Shopping

Last Updated on 30 July 2026 by Dan Wilderness

Hello everyone! Today, I’m going to introduce you to a fantastic little trick using TopGiftCards (the internal gift card portal operated by TopCashback) to easily save extra money on your everyday spending.

Depending on where you shop, this trick can secure you a guaranteed, “every single time” saving of between 1% and 5% on your regular shopping.

While the individual savings each time might seem quite small, the benefits of using TopGiftCards can really add up to a massive number over a year, especially if you are buying the bulk of your weekly supermarket groceries for a family. Helpfully, TopGiftCards isn’t limited to just supermarkets—there is a huge range of retailers, takeaway companies like Deliveroo, and coffee chains like Costa.

Here is our ultimate guide to how it works and how to maximise your return.

Quick Verdict on TopGiftCards

Whilst TopGiftCards will only save you a couple of a percent per shop, the fact you can use this on groceries means this can really add up over a year.

It’s a very easy way to save a bit on essentials with minimal extra effort, so we think TopGiftCards is well worth using as part of your moneysaving toolkit.

How can I save on shopping using TopGiftCards?

It’s a simple trick. Owing to the longstanding relationship TopCashback have in terms of referral and buying power, they can offer a gift card through TopGiftCards for slightly cheaper than the actual value. This is because when you buy the giftcard you’re “locked in” to making a purchase there – so the retailers are willing to give up a little margin to make sure they’re the ones you’re spending with.

Redeeming this trick can be done by TopCashback. Now I’ve written before on this site about why TopCashback is a great money saving tool in general and I think is a service worth using beyond just this trick (if you’re not already on there, that link explains why).

How do you get TopGiftCards via TopCashBack?

Once you are logged into your TopCashback account, simply search for “TopGiftCards” in the main search bar just as you would for any standard retailer. The portal will then open, displaying all the currently available brands and their specific cashback percentages.

I’ve shown below how to find TopGiftCards in the TopCashback App below:

You can filter to identify retailers in specific sectors, including supermarkets or others.

When you buy a gift card through TopGiftCards, the gift card will be sent through to your e-mail address as an e-gift, and the underlying cashback will then be received in your TopCashBack account.

How much do I save with TopGiftCards?

Let’s take a specific example:

You buy a £100 gift card for Sainsbury’s supermarket, and we’ll say that has a 5% cashback rate. You then pay £100 for my gift card, but you’ll also get an extra £5 in my TopCashBack account to spend elsewhere or transfer to my bank account.

Just be aware that the Supermarkets on offer and the payout rates TopGiftCards offers can tend to vary (in some cases quite significantly) at different times.

What Supermarkets are on TopGiftCards?

• Asda
• Farmfoods
• Iceland
• M&S
• Sainsbury’s
• Tesco
• Waitrose

3 Tips to Maximize Your TopGiftCards Savings

There’s a few other cash hacks on offer through TopGiftCards to boost savings even further. None of these will net much more cash, but they’re low-effort actions to get a little extra.

TopCashBack Top-Up Giveaways:

Firstly, TopCashback occasionally run top up promotions on qualifying purchases. These take the form of when you make a qualifying purchase through the site that day, they’ll give you (for example) an extra £3 on top. These are usually on an opt-in basis. You need to keep an eye out for these on the front page when you log in to TopCashback.

TopGiftCards do qualify as a purchase – so you can simply top up your gift card when they appear and get that extra as well!

TopCashBack Cash Out as a Gift Card

Once the cash hits your TopCashBack account, you can either take it as straight cash via a BACS transfer to your bank account, or you can cash it out via a gift card which also includes a payout bonus from the retailer and takes your saving that little bit further.

Combine TopGiftcards with supermarket loyalty schemes and vouchers

You can still gain on any loyalty schemes like Nectar when paying with a TopGiftCard so it’s absolutely worth combining this with any scheme on offer.

If you have any vouchers for products at Supermarkets, you can also use these for a bit of extra saving so keep a beady eye out!

Are there any disadvantages to using TopGiftCards?

They are, but these are minor points that can be avoided.

TopGiftCards are effectively cash

Firstly remember that a gift card is essentially cash, so if you had £100 on it and you lose it that’s the equivalent of dropping £100 on the street. TopGiftCards arrive in e-giftcard form so they’re relatively easy to track, but it’s still a possibility if you’re not careful.

If a retailer goes bust, a voucher also becomes worthless – you are not naturally entitled to get the cash back as you’ve already bought a service. Now that’s unlikely with major supermarkets, but with some of the other retail gift cards it’s more of a possibility.

To counter both of these, I don’t recommend putting really significant amounts of cash on a gift card, and simply topping it up when you need to. It’s a little more effort, but also safer.

Can’t use American Express to buy a gift card

You also can’t buy a TopGiftCard using American Express. Now usually the gain on the gift card cashback exceeds the 1%ish that most American Express cards will reward you for spending, but if you have a promotion in place it may prove better to forget the giftcard and buy direct. This situation will be rare and exceptional.

Finally, if you’re making an online purchase, you generally don’t get additional cashback if you make your purchase via a gift card – so just be aware you generally can’t double dip that way.

You can however use any Visa or Mastercard that has a rewards element to it, or a Chase card offering 1% cashback.

Using TopGiftCards with a credit card

It doesn’t happen often, but a reader warned me that her credit card classified her a TopGiftCard purchase as a cash advance and charged a small fee of this. This isn’t common (and I think it’s unreasonable any credit card provider doesn’t consider this a good or service) but it’s worth keeping an eye out for.

Cannot “double dip” cashback on Standard Online Retailers

If you are buying clothes online, you generally cannot click through a TopCashback link to earn cashback on the clothes, and then pay with a TopGiftCard to earn cashback on the card. You usually have to pick one or the other.

This is because Gift Cards are usually an explicit exclusion in the terms and conditions.

Don’t always work with Supermarket Delivery Options

One slightly annoying quirk I’ve found when using Tesco is that you can’t use a gift card there on click and collect or delivery orders, which many of us use these days. It only works on an in-store shop.

So just be aware that if this is your usual method you might want to check the payment options on your supermarket of choice. Personally, I just pay for my Tesco shopping and tend to get an M&S gift card to get some treat options with my shopping.

What are the best offers on TopGiftCards?

These change constantly, however in order to show the kind of benefits that can be obtained on TopGiftCards here is a list of some of the best offers available at the time of writing.

We’ve highlighted the ones where we think these are either shops people may make frequent use of for a gift card to be worth it, or where there’s benefit that would be found via making a large single one-off purchase and using a gift card route.

(If there’s a loyalty scheme you can also combine with the gift card I’ve highlighted it here!)

Please note fluctuate regularly based on promotional periods and were correct at time of writing.

Retailer / Brand	Cashback Rate	Best Loyalty Scheme Combo
O’Neills	8.8%	N/A
Caffè Nero	7.5%	Cafe Nero Loyalty (Free stamps with our signup link)
Costa Coffee	7.0%	Costa Club (Free stamps with our signup link)
Nando’s	7.0%	Nando’s Rewards
Greene King	7.0%	N/A
TK Maxx	7.0%	Treasure Reward Scheme
ASOS	6.1%	ASOS Premier
IKEA UK	4.5%	IKEA Family Membership
Primark	4.3%	N/A
PizzaExpress	4.3%	PizzaExpress Club
Marks & Spencer	2.25%	M&S Sparks
Deliveroo	2.5%	Deliveroo Plus
Eurostar	2.5%	Club Eurostar

And if you’re looking for loyalty schemes, check out our guide to the best loyalty schemes in the UK!

Overall Verdict: Is TopGiftCards Worth It?

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Using TopGiftCards isn’t going to make you rich overnight, but it is one of the easiest, most reliable ways to shave a consistent 5% off your mandatory household bills and weekly grocery shops. As a famous supermarket once said: “Every little helps!”

The process is extremely easy to do and quick. You just need to be mindful of the need to track your gift cards and ensure you don’t lose them – personally I tend to add them to my Apple Wallet as this means I can see the value of them very quickly, and have them to hand in one place.

Finally I’ll note offering cashback on giftcards is something that quite a few sites offer these days. I ran some comparative checks and it was rare TopCashback didn’t come out on top in terms of value back (where it didn’t, there was usually a special boosted rate from a competitor).

By simply changing the way you pay at the till, you can easily bank hundreds of pounds in cashback over the course of a year. It is a phenomenal tool.

Are there any alternatives to TopGiftCards?

Rival cashback service QuidCo also offers a gift card service, and we review Cheddar which is an app near exclusively focused on gift cards. Those are not exhaustive – offering cashback on gift cards is relatively common these days

Any questions?

If you have any questions about using a TopGiftCard for making purchases or TopCashback in general, just drop us a note in the comments below!

And that’s it!

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