The Pluxee Card: Your Ultimate Guide
3 June 2025
Your employees’ salaries have never had to work harder, and neither have your HR teams. Our Pluxee Card is a unique offering. Powered by Visa, our extensive range of Pluxee cashback partners gives your employees the chance to earn up to 25% cashback with over 80 retailers. Embed it into your recognition strategy to load employee rewards directly to their Pluxee Card account. Put it at the core of your member wellbeing strategy, and boost sales when you use it as part of your channel incentives programme. Discover the Pluxee Card benefits in our ultimate guide.
What is the Pluxee Card?
The Pluxee Card is a unique and versatile cashback-earning prepaid card that you can embed into your business as an employee benefit, reward, channel incentive or member loyalty scheme. Versatility is key, but CSR is at the heart of all we do, with our physical cards made from 95% recycled PVC. Available as a digital-only solution, our Virtual Pluxee Card is faster, cheaper, greener, and more secure.
Powered by Visa, our Pluxee Card is a financial wellbeing tool that provides users with access to a network of 80 retailers offering up to 25% cashback when you use your Pluxee Card to purchase goods with them online and in-store.
The Benefits of Pluxee Card
As we’ll explore in this blog, the benefits of Pluxee Card as a strategic solution are many. It's pretty exciting when we explore the different ways businesses are using it.
So... what are the fundamental, core benefits of Pluxee Card? It's all about the impact on people, as well as your business.
Employees feel valued, appreciated, and supported when you create an employee benefits and rewards strategy that ensures maximum positive impact. The potential to earn cashback is limitless when your employees use their Pluxee Cards every day!
Happy employees are loyal employees!
A Money Management Tool
Our Pluxee Card cashback functionality connects your employees and users to a network of the UK’s favourite high street and high-end retailers and brands, stretching their money even further.
Pluxee Card benefits don’t end there! We listen to feedback, and one of the things users love about it is that it allows them to budget and better manage their money.
The Pluxee Card won’t allow your employees to go into debt. There’s no overdraft or charges, and you can’t withdraw the money loaded onto it for cash. So, at the beginning of the month, if your employees load funds onto the Pluxee Card to cover their monthly grocery shop, that’s how they’ll spend it. It won’t get swallowed up by other expenses – it’s protected.
When they shop with one of the many top-name supermarket chains on our cashback network, they’ll earn funds that they can use towards their next shop… or a little treat.
Why Choose the Virtual Card?
In all honesty, we embraced the journey to a virtual card because it fits with our CSR and Net Zero ambitions. CSR is at the heart of all we do, so this was a natural step for us to take. Our clients loved the carbon emission reduction approach, too, and it's been a major selling feature. It's also cheaper to implement because there's no need for a physical card, and we can instantly send digital card details to your users.
As we've evolved and transitioned more businesses from physical to virtual reward cards, we've learned what our users love about going digital. For them, it's less about the emissions and all about the security. There's no physical card to lose or report stolen, and no PIN to remember. All payment details are safely stored on their iPhone or Android device -- all they need to do is tap to pay.
How Does Pluxee Card Work for Businesses?
It’s pretty simple, really, and that’s what makes it so versatile – something you can use to reward, support and incentivise.
A business signs up for our Pluxee Card. Having chatted with our team, we’ll know how you want to use it. You could offer it to your employees as a perk, allowing them to make top-ups without adding company funds. Alternatively, you can opt for employee and employer top-ups – ideal if you want to load rewards and bonuses onto the card instead of going through payroll.
It goes beyond the employer-employee relationship, as businesses are also putting our Pluxee Card in the hands of sales reps, loading up incentives and commissions. We’ll go into more detail during this blog, but a cricket club is also using our Pluxee Card as their members' unique stadium entry pass, as well as a cashback-earning prepaid card they can load funds onto and earn cashback on matchday and daily spending.
How Does Pluxee Card Work for Users?
Once a business enrols in the Pluxee Card scheme, our internal onboarding team supports rolling out the invites and encourages employees to sign up. This process can vary, depending on how the organisation plans to use the card.
Once employees sign up, we’ll deliver their digital details instantly, allowing them to add their Pluxee Card to their Apple and Google Wallets. Once activated, users download the Pluxee Card App to their phones, allowing them to manage their accounts at the touch of a button.
The Pluxee Card App lists all available retailers on the scheme, their cashback rates and special offers. It’s also where users add funds, monitor transactions and watch their cashback pot grow. As a prepaid card, there are no credit checks or blockers to your employees stretching their money and yours further.
Pluxee Card Uses
Enhance employee engagement and boost your employee experience!
Pluxee Card uses:
- A cashback-earning employee benefit.
- Part of your employee rewards strategy.
- A member benefit.
- Within your employee or channel incentive scheme.
- When you go virtual, it forms part of your corporate social responsibility (CSR) and carbon reduction strategy.
This list explores some Pluxee Card uses, but the truth is, there are other ways you can apply it to your needs – that’s how versatile it is.
How to Use a Pluxee Card for Household Support
We’ve not mentioned it yet, but you can also allow your employees to apply for a partner card connected to their Pluxee Card account. They could let their other half earn cashback when they spend, too, stretching their money even further and providing financial household support.
We don’t limit partner cards to spouses; some users choose to give their partner cards to children when they attend university.
Many of us have been there… at university, eating beans on toast because we ran out of money to spend on a decent food shop. We probably asked our parents to top up our funds once or twice as well.
Did that money go on essentials? Questionable.
Because students can use the Pluxee Card wherever Visa prepaid is accepted, you can’t guarantee that they won't spend the funds on… let’s say, making life more joyful, but it does offer more control than extra cash in the bank.
The Pluxee Card helps create good money habits, inspiring young adults to think about where they spend it. Watching that cashback pot grow is a great feeling, and it encourages users to think about how to get more for their money. It’s not about spending more. It’s about spending wisely with retailers that offer cashback.
Say an employee shops at a supermarket offering 4% cashback (as an example). If they use our Visa prepaid card to pay for their weekly shopping instead of their regular debit card, they’ll earn cashback.
Spend £130 = £5.20 cashback x 52 weeks of the year = £270.40 in cashback earnings!
We’re only referencing one area of regular spending and the potential cashback earnings. Apply the practice to all areas of spending, and watch the funds add up!
With a partner card available, the whole family can participate in earning cash back while shopping. All it takes is a behaviour change.
Discover what happened when we challenged our employees to use only their Pluxee Card and Employee Discounts Platform for 21 days in our blog, ‘How Do You Boost Engagement with Employee Benefits?’.
How to Use a Pluxee Card for Employee Rewards
Nurture a loyal workforce by creating an employee rewards strategy that aligns with their needs and values.
Reward and recognition initiatives are essential to a successful HR strategy, boosting employee engagement, retention and motivation, setting you apart from the crowd when searching for new talent.
How do you deliver your employee rewards? Cash bonus? eVouchers?
Streamline the rewards process by adding funds to the Pluxee Card using the same unique details for each employee every time!
You can embed our Pluxee Card into your employee rewards strategy without utilising the cashback feature, but why would you? The opportunity to earn cashback stretches the value of your employee rewards further, works harder for your people, and has a more positive impact.
Employee rewards budgets can be tight. It’s time to get creative, using cost-effective and sustainable solutions that give your people more.
Our Pluxee Card in action: You gift an employee a £100 bonus and add the funds to their Pluxee Card. They spend that £100 with a retailer offering 15% cashback. They earn £15 cashback, making the actual value of their employee reward £115!
Cashback makes such a difference!
Even if you incorporate our cashback card to issue employee rewards, you can use it as an employee benefit in the future. For optimal results, always allow users to add funds, enabling them to maintain momentum and drive growth.
How to Use a Pluxee Card for Member Incentives
A 5% rise in customer retention can lead to a 95% increase in company profits (Forbes).
British consumers are cutting back on non-essential items and shopping around for the best deals. Is their membership with your business at risk in their bid to make savings?
Retaining members is far cheaper than attracting new ones. Your offering must be cutback-proof, becoming something members can’t do without. Show your members that you understand their struggles and provide solutions to help, like a cashback card that makes their money go further. It’s a form of incentivisation and support, adding unbeatable value to your membership offering.
Have you heard about our partnership with Worcestershire County Cricket Club?
Our groundbreaking partnership with the Club has our Pluxee Card operating as the fans' membership card, giving them access to the stadium. Members benefit from the 80 retailers participating in our cashback scheme, allowing them to stretch their money further.
Better still, they can earn cashback with the vendors at the stadium! Since the fans must use their card to gain entry to the stadium, it’s always with them, so when they’re buying their match refreshments, they can earn cashback!
How to Use a Pluxee Card for Channel Incentives
Does your business rely on referrals and product sales across a vast retailer network? A channel partner incentives programme will drive growth.
Our Pluxee Card seamlessly integrates into your current or improved strategy, streamlining incentive payments. This means less admin for your teams, allowing you to deliver variable payments with ease as well as providing personalised incentives.
How does the Pluxee Card help you stand out from your competitors? You can make incentive payments stretch even further with cashback.
The versatility piece also plays a role here, as not all incentive schemes are for channel sales. We’re partnering with a variety of organisations that want to offer their consumers an incentive to participate in surveys, and they’re uniquely branding their Pluxee Card to keep their name front and centre.
How to get a Pluxee Card Scheme Running
First step. Get in touch with us and have a chat. The more you can share with us about your business and ambitions, the better we’ll be able to tailor your Pluxee Card scheme to see you achieve your goals.
There will be questions… it’s how you get what you need, after all, and options, but that’s because you can make the Pluxee Card work best for you.
Once you know what you need from your Pluxee Card scheme and we’re clear on how to deliver it, we’ll go through the usual contractual obligations and then get you on a call with our specialist onboarding team.
Our onboarding specialists guide you through the entire process, including what to do, how to get started, where to access marketing materials, and how to enrol and excite employees. They then hand over to your dedicated account manager.
Your account manager then takes over as your point of contact, helping keep your scheme on track, providing you with essential data, and ensuring you see a return on investment.
As for your employees, we have a UK-based Customer Care team that will assist with any enquiries they may have or the support they require.
Pluxee Card Benefits for Your Business
We’ve already shared some Pluxee Card benefits for your business – versatility and impact being two of the standout features. Now, we’ll go into each area in more detail.
A Cost-Effective Solution
We love that our Pluxee Card helps your employees’ money stretch further, but it also matters to us that you get the most out of your budgets. When you invest in a financial wellbeing initiative, it needs to hit the mark
Employee benefits must be both cost-effective and sustainable. With the Pluxee Card serving as both a benefit card and a rewards card, you get two strategies in one. Or take Worcestershire County Cricket Club as an example. They use our Pluxee Card as their members’ stadium pass, as well as a member benefit.
Think outside of the box… because the Pluxee Card doesn’t come with many boundaries.
Personalisation & Branding
We’ve mentioned already that you can add your branding to your Pluxee Card. You don’t have to. Branding takes a little more time and costs more than a non-branded solution, but there are benefits to putting your logo on a card that makes your employees’, members’ and partners’ lives more affordable.
Enhance Financial Wellbeing
Financial anxiety is real, and it can impact more than just your employees’ bank balance. Anxiety negatively affects mental and physical health, too.
There are many benefits to enhancing financial wellbeing. When you make life more affordable for your employees, alleviating some of their money worries, they can bring their best selves to work. They’ll be more motivated and productive, and this is how you can measure your return on investment.
Improve Employee Retention
When you show your employees that you’re in their corner and take steps to make their lives more enjoyable, you cultivate a culture of loyalty. That’s when we have our employee benefits hat on.
Let’s not forget that you can embed the Pluxee Card into your reward and recognition strategy as well. Monetary rewards aren’t the only way to reinforce recognition, but offering employees a card with money to spend as they choose makes a significant impact.
When you provide workplace perks that genuinely make a difference, your employees are more likely to stay with your business.
Boost Employee Engagement
Benefits and rewards form part of a winning Employee Value Proposition (EVP), making work not just a place to be but a place to belong. When you show your employees that you value them, support and celebrate them, it increases employee engagement and job satisfaction.
An engaged workforce drives a thriving business that innovates and delivers results.
Reduce Absenteeism
Whether you implement the Pluxee Card as a benefit or reward, it will help reduce absenteeism.
Here’s why…
- Rewards boost engagement and loyalty.
- Engaged employees are less absent.
- Alleviating money worries reduces stress-related absenteeism.
- Helping employees afford to make healthier lifestyle choices will create a more productive and healthier workforce.
Absenteeism can cost employers around £500 per employee each year. Investing in the Pluxee Card costs a fraction of this, making it a cost-effective way to tackle problem absenteeism.
Help Your Employees Get the Most from Their Pluxee Card
There are many business benefits to embedding the Pluxee Card. Still, as with all employee benefits, your employees must utilise them for you to see the impact.
Ensure employees get the most from their Pluxee Card by encouraging uptake, creating Pluxee Card champions who can share their tips and wins, and ensuring their colleagues recognise the value in making regular use of cashback-earning opportunities.
Download the marketing materials from our Comms Centre, promote our competitions and giveaways, and encourage your employees to sign up for our marketing emails so they never miss the best deals.
What else do your employees need to know to get the most from their Pluxee Card?
- Pluxee Card… where to use: We partner with over 80 retailers, including supermarkets, luxury goods, clothing brands, DIY centres, and more. All they need to do is open up their Pluxee Card App for the complete list of retailers and their cashback terms.
- Pluxee Card… how to use: Once registered, your employees must download the Pluxee Card App, as this is how they manage their account, top up on the go, and watch their cashback pot grow. Topping up is quick and easy, and users can pay for goods online or in-store, wherever Visa Prepaid is accepted worldwide.
Consistency is key. Encourage your employees to embed their Pluxee Card into their daily lives to make the most significant impact.
The Pluxee Card… Giving You More of What Matters Most
As you can see, our Pluxee Card works incredibly hard for your people and business. It wears many hats and is versatile enough to meet your bespoke needs.
As for us, we believe in creating partnerships. We don’t disappear once you’ve signed a contract; we stay with you throughout, ensuring that no matter how you utilise your Pluxee Card scheme, it’s a success.
Join us in helping people and businesses thrive.
Pluxee Card Reviews
You’ve read quite a lot from us, but what do employees think about our Pluxee Card?“When the Pluxee Card arrived through the post, it was such a welcome surprise; it was easy to activate, and I was able to go to the supermarket and get every treat and trimming you could possibly wish for a family feast. Once the £100 was deducted from the card, I just had £14 to pay for a three-course meal and drinks for 15! What a treat. Ryan Peasland | Communications and Engagement Specialist | Viridor
I’ve really enjoyed having the member card. The cashback on my purchases is a nice touch, especially when I’m grabbing food and drinks at the ground. James H | Worcestershire County Cricket Club Fan
Their Totum Student Cashback Card is great, and I am making use of the cashback feature!” Alice P“Great cashback benefits from ODE card. I save at least £10 a month from my regular shopping. There is a good range of retailers on their list. It's very easy to top up and monitor transactions through their App. Kaustav Mukherjee
Great card, easy to use, getting cashback is seamless and is very useful for big purchases/at Christmastime, 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. Jo Robinson
FAQs
How easy is it to use your Pluxee Cashback Card as an employee benefit and reward?
Really easy. When we set up your scheme, we can enable employer and employee loads, allowing you to add cash rewards to employees’ accounts. They can then top up and earn daily cashback.
Where can I earn Pluxee Card discounts?
Remember that with cashback, you’re not getting a discount on the sales prices; you’re earning cashback on the value of what you spend.
Who are the Pluxee card retailers?
We partner with over 80 UK retailers, covering all your needs. From supermarkets to spas, restaurants to coffee shops, clothes, shoes, and cosmetics – there are high-end and high street brands to suit every budget and style.
Can I use Pluxee Card on Amazon?
You can use your Pluxee Card with any retailer that accepts Visa prepaid as a payment option, including Amazon. However, Amazon is not part of our cashback network.
What can I buy with a Pluxee Card?
Whatever you can afford. You can use the Pluxee Card worldwide at most retailers. There are some industries (airlines, for example) that don’t accept Visa prepaid as a form of payment.
What about Pluxee Card charges?
The Pluxee Card isn’t a credit card, so there are no charges for employees using the card to buy goods. You can find the details of any charges associated with your card scheme in your terms and conditions.
Pluxee Card… How to add Money:
Employees can top up their Pluxee Card from their preferred bank account at any time, and employers can also load funds. Your dedicated account manager will talk you through the process of adding employer funds to the cards.
What about the Pluxee Card cash withdrawal process?
The Pluxee Card isn’t a cash card, so you cannot withdraw cash from your balance.
What are the Pluxee cashback rates like?
The Pluxee Card cashback rates vary from retailer to retailer, with some retailers offering up to 25% cashback.
Sources: Forbes.
