Avios is one of the right decisions you make to book your domestic & international flights with points for free. This list of the UK’s top Ranking Best Avios Credit Card helps you to choose one of the best options in the most competitive banking market.
Today, every bank tries to capture maximum market share with the latest, outstanding, competitive, and reliable offers with their services. Similarly, banks give you reward points by using regular or reward cards to use through various available options under banking program partners.
Avios credit card is your first need to go for free traveling from the UK to anywhere or pre-defined destinations by card issuers & airlines. It offers Avios points on your spending. Avios Credit Card Points may be used in various options.
Actually, this isn’t as simple to select from a list of Best Avios Credit Card, being first-time credit card users; before you apply for. You have a greater number of alternatives; you may suspect. There are different cards that offer rewards which can be changed over into Avios points. These cards include a 3% foreign exchange fee, so you should need to get a different free credit card to utilize abroad.
Avios points are used to get free flights around the globe, especially with BA. British Airways with the collaboration of banks launched Avios Travel Reward Program that lets to enjoy free flights, unfortunately; it may be closed in the coming days. Alternatively, consumers can redeem Avios points without that program.
Avios Card issuers allow you to earn points by doing your daily expenses with their specific card. There are multiple banks that offer the points with little variations on spending patterns and amounts. Each of them is good at their best. They are partners with Iberia, Kulula, British Airways, Marriott, IHG, Virgin & Avis.
Basically, Avios Credit Card is issued by Absa Bank Limited but many other banks offer similar services with different brands.
You get points with every purchase. These points may be doubled simply by spending on BA. BA is the official partner of the Avios Travel Reward program.
Table of Contents
Benefits of Avios Credit Card
1. Individual Determined Credit Card
Each card is individually defined with the credit limit assigned to the cardholder. Not everyone is earning enough amount to get the £3000 limit. Each cardholder has fix limit depending upon its credit history, credit score & monthly income.
At that maximum spending limit, your card will no longer be used for further purchases unless you clear previous bills.
2. ATM functionality
Avios cards may be used on Automated teller machines or ATMs in the whole world VISA & Master Card channel partners’ ATMs. No matter you are in UK, USA, Malaysia, or China. You are free to get instant cash in local currency.
3. Notification Service/SMS Alerts
Notify me service helps consumers to get alerts on each purchase, transfer, and withdrawal from their account using a credit card. In case, the holder lost his/her card and gets a notification. He can instantly block cards to Avios more misuses and file a complaint.
4. Protection Measures
Master card purchases give theft protection to cardholders.
5. Free Transaction
Most purchases transactions are free of cost. No fee will be charged on them excluding a few internet banking, withdrawals, casino,s, etc.
6. No Interest Credit
Get interest free credit for 55 days from the day of completed purchases at the store. Cash withdrawals, Casino transactions, Budget plan purchases & internet banking are not in it.
Upon bill payment before the last date, the consumer will not be charged any interest or fee. Late payments may disturb your monthly budget with a high fee and interest charges
7. Lost Card Protection
Your lost cards are still protected. It is only you who can use it.
8. Other AviosCard Benefits
- Earn Avios on all purchases, one Avios is R10
- At BP and Pick and Pay Earn double Avios
- You can use your Avios to book flights with British Airline.
- You are allowed you to collect and spend Avios just after three years
- Choose your own card face from options
- Access to platinum Master card
- Membership to Avios Travel program is totally free
Few UK Banks offering Avios Credit Card
- Lloyds Avios Card
- American Express
- Tesco Credit Card
- TSB
- HSBC
Best Avios Credit Cards in the UK – Select the Right One
1. HSBC Premier World Elite Mastercard
HSBC Premier World Elite MasterCard is specially designed for exclusive customers wishing for air rewards during their annual holiday, at honeymoon or annual tour to some new destinations, HSBC Master Card; on the spending of only £2000 awards consumer with 40,000 rewards.
Isn’t it amazing?
| Signup Bonus | 80,000 |
| Avios points | 40,000 |
| Annual fees £ | 195 |
| Representative APR variable % | 59.3 |
| Notional credit limit £ | 195 |
This card gives 80,000 HSBC points convert into 40,000 Avios. It has a £195 annual fee that is non-refundable. You have to spend £12,000 in your first year to activate the full bonus, and the second half can be received at the end of the year which consigns you to pay the fee of two years.
But it is limited to use within 3 months of activation. Additionally, you may also get more than 40,000 reward points on your credit card’s first birthday by spending only £12000.
HSBC Premier follows strict criteria which are only apt for high earners. This card also gives access to the airport lounge through LoungeKey.
2. American Express Gold Credit Card
With a Gold Credit card, every customer is given a bonus double the amount he/she spends. That is £1 x 2 points. You get 2000 reward points if you spend £1000. This is not the all, along with all this. You may be given 3 points on a £1 purchase/booking with this card.
In the first three months of your credit card subscription, you may be given 20,000 points by spending £20,000 only. Additionally, Every year, every customer is gifted 2 lounge visits on more than 500 international lounges.
| Signup Bonus | 20,000 |
| Avios points | 20,000 |
| Annual fees £ | 0 |
| Representative APR variable % | 57.6 |
| Notional credit limit £ | 1,200 |
Earning Amex Points is as easy as spending on preferred options including entertainment, ticket booking, gadgets, online purchases & Amex Gift Cards.
3. American Express Premium Plus Card
American Express Premium Plus Credit Card offers 25000 Avios points to every customer who opens a new account with the bank on the spending of only £3000 in the first 90 days. Use it for your daily expenses to get benefits. Spend virtually to get 3 Avios points on each £1.
| Avios points | 25,000 |
| Annual fees £ | 195 |
| Representative APR variable % | 76 |
| Notional credit limit £ | 1200 |
With British Airways, spend only £10000 in 1 year to receive a free complimentary ticket with BA Flights. Last but not least, Try referral programs to 90000 Avios points in your account (per year).
4. American Express Platinum Credit Card
American Express gives 30,000 Membership Rewards points change over into 30,000 Avios. £450 yearly fees discounted star rata on cancellation. It is issued by Amex. You have to spend £2,000 in 3 months to trigger points.
| Signup Bonus | 30,000 |
| Avios points | 30,000 |
| Annual fees £ | 450 |
| Representative APR variable % | 14.9 |
| Notional credit limit £ | 1000 |
The Platinum card likewise accompanies a significant number of other travel benefits including inn status cards (Starwood Preferred Guest Gold, Radisson Rewards Gold, Hilton Honors Gold, Melia Rewards Gold, Shangri-La Golden Circle Jade).
It also gives travel insurance and two Priority Pass cards to avail free airport lounge, access to the Plaza Premium parlor in Heathrow T5, and Eurostar lounge availability.
5. Amex Rewards Credit Card
It is the best card for you if you want to avoid the annual fee while having a Preferred Rewards Gold or Platinum Amex Card. This card which is also issued by Amex has 3 types:
LOW RATE
This version offers 5,000 Membership Rewards points as a bonus and a 9.9 Representative APR variable.
BASIC
This version offers 10,000 membership Rewards points’ bonus and 22.9% Representative APR variable.
PURCHASES
This version has no sign-up bonus, and for 18 months, offers 0% APR on purchases and a Representative APR of 22.9% variable. There are No annual fee cards.
| Signup Bonus | 30,000 |
| Annual fees £ | 0 |
| Notional credit limit £ | 1200 |
6. Tesco Clubcard Mastercard
Tesco Clubcard MasterCard offers relatively fewer points per £1 spent. Compared to the above three Avios Credit Card, you get only 0.3 points on 1 pound spending on converting Clubcard vouchers into Avios. It also gives you Uber Credit, free miles with Virgin. The membership signup bonus is only 24000 points.
7. IHG Rewards Club Premium Mastercard
IHG Rewards Club Premium MasterCard charges a £99 annual fee. Like Tesco, It offers 0.3 Avios on £1 purchase. IHG Reward card gives you a free night stay at IHG hotels after spending £10000. On signup, you received 20,000 IHG Reward Points.
| Signup Bonus | 20,000 |
| Avios points | 4,000 |
| Annual fees £ | 99 |
| Representative APR variable % | 41.5 |
| Notional credit limit £ | 1200 |
This card, issued by Creation, offers 20,000 IHG Rewards Club points which can be converted into 4,000 Avios. Bonus can be activated with £200 spent. Representative APR 41.5% variable, it includes fee-based on a notional £1200 credit limit.
8. Starwood SPG American Express
Starwood SPG American Express gives 1 Starwood point after the spending of £1 only. Starwood SPG Points can be converted with more than 25 different airlines and hotel points.
| Signup Bonus | 10,000 |
| Avios points | 10,000 |
| Annual fees £ | 75 |
| Representative APR variable % | 36.2 |
| Notional credit limit £ | 1200 |
Starwood Flat conversion rate is highest, i.e., 1.25 Avios per £1. Starwood Gives 10,000 signup bonus
How to Collect Avios Points Fast
With each swipe on a store, you get points. Guide in our website about Earning Avios points may help you to get more & more points with minimum purchases and fewer efforts. Collected avios points consumption can take you to the destination you like from below or others.
Do Avios Points Expire?
Of course, they do. Avios points are saved if you spend a minimum of 1 with 3 years. This way your points will stay as long as you keep collecting them. Do not forget to use.
Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger
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