Sales enquiries: 0844 891 3111


RAC Member Benefits Offer

Up to £100 cashback when you join the RAC*.
RAC cashback roundels.

The more you buy, the more you earn.

Offer now open to existing Member Benefits Card holders only.

As a RAC Member Benefits Card Holder, if you purchase a new policy for any of the products below you’ll receive an extra £30 for one product or £50 for two.2

Use your card at your favourite shops and restaurants and get 3-15% back on your card. Plus you can save up to £500.3

Products available in this offer. Buy more, get more!

RAC cashback roundel.

Use your RAC Member Benefits card at the following retailers

You can also earn more with your card by shopping at any one of over 60 shops and restaurants. By using your card regularly you could save over £5003, with up to 15% back on purchases4. You can then spend your accrued credit at any of the same 60 retailers. The more you use it, the more you stand to benefit. So why not take advantage of this great offer today?

You can also earn more cashback by shopping at any one of over 60 shops and restaurants with your RAC Member Benefits card.

2 Offer amount on prepaid debit card when you buy a further 1 or 2 products before 31/3/15.

3 Based on an average family spend. Based on a spending of £200 a week on the Member Benefits Card.

4 Selected retailers only. 3-15% back depending on the retailer.

* RAC Member Benefits Offer - Terms & Conditions

  1. The Offer will be in the form of an RAC Member Benefits Card (the “Card”) with £20, £50 or £100 e-money (available to spend in participating retailers) which will be made available to new customers purchasing 1, 2 or 3 qualifying products respectively – so when you purchase the first product your Card will be pre-loaded with the £20. When you purchase a second product, an additional £30 will be added to your Card. An additional £50 will be added if a third product is purchased (the Offer).

Qualifying Products
  1. To qualify for the Card, a prepaid Visa debit card, you must purchase one of the following products: RAC UK Breakdown, RAC Car Insurance, RAC Home Insurance or RAC Motorbike Insurance.
  2. For Breakdown cover you must purchase a standalone policy with a minimum of Personal Based Roadside & Recovery on annual continuous payment. Breakdown cover purchased as an additional product at the same time as a new RAC Car Insurance or RAC Motorbike Insurance policy is only part of the Offer with a minimum of Roadside & Recovery or above. Breakdown purchased at renewal of an RAC policy or during a breakdown situation will not qualify for this offer.
  3. To qualify for the Offer a minimum 12 month policy must be purchased.
  4. Quote and purchase must be direct from RAC and for first product between 31 March and 18 June 2014, and any subsequent qualifying products before 31 March 2015.
  5. The Offer cannot be used in conjunction with any other offer and no cash or other alternatives are available. The Offer is not available to RAC customers amending or renewing an existing product that they already have with the RAC.
  6. The  Offer is not available via price comparison or cash back websites
  7. To receive the Card, and any subsequent benefits, all payments due on all products must be up to date and received in full.
  8. If you cancel your RAC product(s) before you receive your Card you will no longer be entitled to receive it.
  9. All policies must be quoted and purchased through , or by calling 0800 404 6763. RAC Breakdown can also be purchased through a RAC sales agent or RAC Patrol.
  10. The Offer is subject to customers fulfilling the underwriting criteria for the respective product(s). Full policy terms and conditions apply to each product and will be provided when a product is purchased.
General Terms
  1. The Offer is fulfilled online and you must therefore provide a valid email address at the time of purchase in order to claim your Card and receive the Offer.
  2. The Offer is not available to employees of RAC, their immediate families, agents or any other person connected with the promotion.
  3. Only one Card per customer.
  4. RAC reserves the right to vary or amend these terms and conditions or to withdraw the Offer at any time.
Receiving and Activating the Card
  1. To claim your Card and any subsequent benefits amount you must visit before your claim deadline which will be 160 days from the date your claim email is issued. The claim email will have your deadline date specified and will contain your username and password which you must use to log in and register.  If you do not claim within the 160 days deadline you will lose your relevant Offer amount.
  2. The Card will be posted to your home address within 60 days of registering at
  3. In advance of your Card arriving you will receive your activation instruction email to your registered email address.
  4. In order to be able to use your Card it must be activated and your PIN must be retrieved. You can do this by either going online at or by calling 0844 800 6436.
  5. Once in receipt of the Card you shall be deemed to have accepted the terms and conditions for its use. For full details of the Card’s terms of use, please request a copy by calling 0844 800 6436 or by visiting
Using the Card
  1. Once the Card is activated the Offer amount will be available on the Card to spend at any of the retailers listed at
  2. By reloading and spending at these retailers you have the ability to earn further rebate on purchases from these retailers of between 3% and 15% as listed in the retailer list.
  3. Rebate on purchases will be made available within the first 2 weeks of the month following purchase.
  4. We reserve the right to vary the list of retailers and the percentage of rebate offered.
  5. The Card cannot be used to make cash withdrawals of any kind, nor can it be used to purchase fuel via a Pay@Pump facility.
  6. The Cardholder can add additional cash to the Card using another debit card registered to the same address as the Card: online at The minimum amount you may top up by is £20.
  7. If the value available on the Card is not sufficient to cover your purchase, you will need to pay the difference by other means first (cheque, cash, debit or credit card) and then use the Card. Please note it is down to the individual retailers’ discretion whether they will accept split payments and is outside of the RAC’s control.
  8. The maximum you may top up your Card within any 12 month period will initially be set at £1,900. RAC reserve the right to verify the personal details you provided at the time you purchased your RAC product(s) to be able to offer you a verified higher maximum load limit of £5,000. You will be notified of the outcome of any such check and your higher maximum load limit should be applied to your Card. For full details on minimum and maximum load limits please refer to cardholder terms and conditions which can be found at
  9. It will be necessary to pass some of your data to The Grass Roots Group UK Limited for the purposes of administering the Card, however your data will be kept secure.
Expiry/Termination of the Card
  1. The Card will be valid until the expiration date printed on the front of the Card (36 months from card issue). Please Note: If the Card is not used for 6 consecutive months, subsequently a £2 monthly admin fee will be deducted from any remaining balance on your Card.
  2. If at any point in the future you no longer hold any RAC products, your Card will be cancelled.  The account will be closed and any remaining funds will be paid to you in line with the Card’s terms of use available at

Call Charge Information
0800 numbers are free from a BT landline. Calls from other networks may vary.
0844 numbers are charged between 1p and 13p per minute for landline customers.
Calls may be monitored and/or recorded


Who Does What
Breakdown cover provided by RAC Motoring Services and RAC Insurance Ltd. Arranged, sold and administered by RAC Motoring Services
RAC Car Insurance is arranged and administered by BISL Limited, which is an independent intermediary, and is underwritten by a panel of insurers
RAC Home Insurance is arranged and administered by Gallagher Heath Insurance Services, a trading name of Heath Lambert Limited, and is underwritten by a panel of insurers
RAC Motorbike Insurance is arranged by Devitt Insurance Services Ltd and is underwritten by a panel of insurers
The promoter of the Offer is RAC Motoring Services, registered in England, company number 01424399, whose registered office is RAC House, Brockhurst Crescent, Walsall WS5 4AW.
The Grass Roots Group Limited (GRG) will be administering this promotion on behalf of RAC, to include design and hosting of claims site, fulfilment of the RAC Member Benefits Card and associated services, including cardholder customer service.
The Card is issued by R. Raphael & Sons plc, pursuant to license from Visa Europe. R. Raphael & Sons plc is a UK Bank authorised and regulated by the Financial Conduct Authority (registration number 161302). Registered office at Albany Court Yard, 47/48 Piccadilly, London, W1J DLR. company registration number 01288938. Visa and the Visa Brand Mark are registered trademarks of Visa.

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.