It is meant to be based on your previous spending. You get four choices. Not one of mine are places I shop at eg Play and Morrison's. I have never ever shopped at Morrison's as there isn't one anywhere near here. A friend of mine has the same problem but in reverse..She also has nowhere she actually shops at but would be really happy to have Morrison's as that's where she does her weekly shop.
Well I guess this is one way Halifax will be able to avoid actually giving out any cash back 