Credit card reward – terms & conditions

Key facts (plain language summary)

What you get
£15 Reward (gift card or bank transfer)
Provided by Finder, not credit card provider.
How to start
Get a new Credit Card using the Finder link.
New customers only; UK residents 18+.
Eligibility
✅ Get a new card from eligible providers; HSBC, Santander or 118 118 Money
Must also create a Finder account to qualify.
Timing
Reward claim details emailed within 90 days of validation.
Keep account in good standing. If you don’t receive your Reward claim details within 120 days, contact support.
Begins, 25 August 2026 (and continues until terminated at Finder’s discretion).
One reward per person. Must use the unique Finder promotional link while logged in to Finder. Cards must be approved, issued and remain in good standing until reward is paid. See full terms below.
CREDIT CARD REWARD
CREDIT CARDS
ENDS SOON
Get £15 with a new credit card
Take out a credit card from an eligible provider (HSBC, Santander, 118 118 Money) to earn a £15 reward from Finder. T&Cs apply
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This summary is for convenience only. The legally binding terms appear below.

Terms & Conditions

Overview

The Promoter is Finder.com Comparison UK Ltd (Registered number: 10482489) (“Finder”), 5-7 Tanner Street London SE1 3LE. Finder allows customers to compare products and services via its website at Finder.com/uk (“Finder Branded Comparison Service”).
The Provider is HSBC, Santander or 118 118 Money

Participation in the Promotion constitutes acceptance of these Terms and Conditions.

Definitions used in these Terms

“Finder” and “Promoter” mean Finder.com Comparison UK Ltd.
“Finder Branded Comparison Service” means Finder’s UK-facing website at finder.com/uk and any linked pages or applications operated by Finder in the UK.
“Finder Member Account” means an account registered by a natural person on the Finder Branded Comparison Service.
“Fulfilment Partner” means the third-party provider engaged by Finder to deliver Rewards to eligible Participants. Finder may use one or more Fulfilment Partners at any time and may substitute the Fulfilment Partner in accordance with these Terms.
“Participant” means a natural person who meets the eligibility criteria and participates in the Promotion.
“Product” means the specific Provider product identified in the Eligible products section below.
“Promotion” means the reward promotion described in these Terms.
“Promotion Period” means the period beginning on the start date identified in the Key Facts summary and ending on the earlier of (a) the end date (if any) identified in the Key Facts summary and (b) the date on which Finder terminates the Promotion in accordance with these Terms.
“Provider” means the third-party provider of the Product as detailed in the Overview above.
“Reward” means the reward set out in the Key Facts summary above. The Reward may be delivered as a digital gift card, a bank transfer, or another form determined by Finder from time to time.

Interaction with other terms

In addition to these Terms:

  • Finder’s general terms of use and Privacy Policy apply to Participants’ use of the Finder Branded Comparison Service.
  • The Provider’s own terms and conditions apply to the Product.
  • The Fulfilment Partner’s terms and conditions apply to the delivery and use of the Reward and will be provided to the Participant at the point of Reward delivery.
  • If there is any inconsistency between these Terms and the Finder general terms of use in relation to the Promotion specifically, these Terms prevail.

Promotion Period

  • This Promotion runs from 25th August 2026 until it is terminated at Finder’s discretion.
  • Accounts opened before 25th August 2026 or after termination will not qualify.

If Finder terminates the Promotion, participants who have completed all qualifying steps under these Terms before the termination date will still receive their Reward in accordance with the Fulfilment section below.

Reward amount

Maximum Reward: £15.

Eligibility

To qualify for the Reward:

  1. Be a UK resident aged 18 years or over.
  2. Be a registered Finder member, or create a Finder account prior to claiming the Reward.
  3. The account remains open and has not been cancelled by you or suspended or closed by the Provider until the Reward is fulfilled.
  4. Be a new customer to the provider; new cards with your current provider are not eligible.
  5. Only the main credit card holder is eligible for the Reward. Joint card holders are not eligible.

Eligible products:

  • Credit Card (HSBC, Santander or 118 118 Money)

Ineligibility

The Reward will not be issued if:

  • The referral was not made through the unique promotion link on the Finder Branded Comparison Service.
  • You are not a Finder member.
  • You are a current customer of the provider.
  • You are an employee or eligible for staff discounts of the provider.
  • You redeem another similar promotion.

Additional ineligibility includes:

  • Accounts cancelled or rejected.
  • Accounts opened using VPNs or ad blockers.
  • Accounts opened using a VPN or IP-masking tool to circumvent Finder’s UK geographic eligibility requirement
  • Accounts where the account opening cannot be attributed to a click through the unique Finder promotional link because ad-blocking or tracking-blocking technology has interrupted Finder’s tracking of the referral.
  • Accounts opened via links from other cashback or rewards websites.
  • Accounts opened using vouchers or promo codes not featured on Finder.
  • Fraudulent transactions.
  • Any gift card, voucher, or store credit purchase

Fulfilment

  • Rewards are issued electronically within 90 days after eligibility is confirmed.
  • Rewards are sent via email to the address used for Finder Member Account.
  • Finder is not responsible for delays caused by third-party account providers.
  • Finder may substitute the Fulfilment Partner on reasonable notice. Where the Fulfilment Partner changes, Finder will ensure any Reward that has already accrued to a Participant is fulfilled by either the outgoing or incoming Fulfilment Partner and the Reward’s value and nature will not be reduced by the change.
  • Where the Reward is delivered by bank transfer, the Participant is responsible for providing accurate bank details. Finder will not be liable for failed transfers caused by inaccurate details provided by the Participant.

Limitation of liability

  • Entries and information submitted must be personal and accurate. Participants warrant that no submissions infringe any third-party rights or contain defamatory, obscene, or threatening material.
  • Finder is not liable for indirect, consequential, or special losses, including lost revenue, business, goodwill, or data. Nothing in this Section excludes or limits Finder’s liability for a breach of any statutory rights that cannot be excluded under English law.
  • Finder will not be liable for failures caused by force majeure (events beyond Finder’s control).
  • Nothing in these terms limits liability for death, personal injury, or fraud caused by Finder’s negligence.
  • Your statutory rights remain unaffected.

Gift card restrictions

  • Where the Reward is delivered as a digital voucher or gift card by a Fulfilment Partner, the Reward is subject to the terms and conditions of the Fulfilment Partner in addition to these Terms. The Fulfilment Partner’s terms will be provided to the Participant at the point of Reward delivery.

Disqualification & misuse

Finder may disqualify participants if there is reasonable grounds to believe based on evidence of:

  • Abuse or attempted abuse of the Promotion
  • Breach or attempted breach of these terms
  • Breach of Finder website terms and conditions
  • Fraud or misuse of the Promotion

Before disqualifying a Participant, Finder will notify the Participant of the grounds for disqualification and give the Participant a reasonable opportunity to respond. Finder will consider the response in good faith before making a final disqualification decision.

A Participant may appeal a disqualification decision by contacting Finder customer service. Finder will consider appeals in good faith and respond within 30 days.

General conditions

  • Finder may amend, suspend, or cancel the Promotion at any time without notice. Participants who have completed all qualifying steps before the effective date of amendment or termination will still receive their Reward on the terms in place when they completed those steps.
  • Costs associated with participation are the participant’s responsibility.
  • Personal data submitted in connection with the Promotion is processed by Finder as data controller in accordance with the Finder Privacy Policy and applicable data protection law. Where Reward fulfilment involves transfer of personal data to a Fulfilment Partner outside the UK, Finder implements the transfer mechanisms required by the UK GDPR (as detailed in the Privacy Policy).
  • Finder is not responsible for delays or failures in Reward fulfilment caused by third parties (including Providers and Fulfilment Partners) or by events outside Finder’s reasonable control. Where a delay or failure is caused by Finder itself, Finder will use reasonable endeavours to remedy the issue and fulfil the Reward.
  • All intellectual property rights in the Promotion remain with Finder or its group companies.
  • This Promotion is governed by the laws of England and Wales and disputes are subject to the courts of that jurisdiction. Nothing in this Section limits any right you may have to bring proceedings in the courts of another part of the United Kingdom where you are resident there.

Disclosures

  • Finder acts as an independent comparison service. Finder does not provide financial advice. Participants should review the Provider’s product terms and consider whether the product is suitable for their needs before completing an application.
  • Finder does not endorse any banking providers or products.
  • Participants are responsible for reviewing all terms from the banking provider to ensure suitability.
  • Finder may receive commission for purchases made via the Finder Branded Comparison Service.
  • The Fulfilment partner and the Provider are not associated with this Promotion.
  • Finder complies with FCA Consumer Duty requirements in relation to this Promotion. If you have concerns about how Finder has handled your participation, you can contact Finder’s Complaints team (see below). If your complaint relates to an FCA-regulated activity carried on by Finder and is not resolved to your satisfaction, you may be entitled to refer the complaint to the Financial Ombudsman Service.

Support

If you are eligible but have not received your Reward within 120 days, contact Finder customer service via your Finder account.
For complaints (as distinct from Reward fulfilment queries), see Finder’s Complaints Policy.

More resources on Finder

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