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Top 10 Insurance Companies in UK – United Kingdom

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There are different insurance companies in the UK providing different types of insurance including life, car, health, accidental, mobile, theft, fire, and other insurances. An insurance policy is a type of contract in which an entity receives financial protection in uncertain circumstances from an insurance company.

The Company sets the type of insurance contract between the insurer and policyholder to pay a premium to the insurance company, and terms and conditions on which the company agrees to give you protection for your loss after an unforeseen event like death or an accident, etc.

In our daily life routine people faces many risks in every field of life. They wouldn’t estimate first how much loss they faced. Particularly ups and downs are the part of a business.

Businessmen make insurance to avoid loss.

Insurance means protection against loss of some asset.

An insurer is a person who offers insurance and another person who buys insurance is known as a policyholder. This agreement has some insurance terms and conditions which the insurer will compensate the insured.

Please note: This document is written in specific insurance terminologies.

According to this agreement insurer charge, some amount from the policyholder for the coverage of loss is known as a premium.

Premium amount will be charged yearly, quarterly. Premium is income for an insurance company once he charges that represent a liability then the insurer must provide coverage against claims.

When an insurer experiences a loss that is covered by the insurance policy he submits a claim against the insurance company to process the claim adjuster.

Importance of Insurance

The world we live in is full of risk, this is why insurance is important to our life. Our families, assets, business, property could go through different types of risk. These insurable and uninsurable insurance risks include uncertain death, an accident, etc. These losses develop the need for insurance to be compensated with the financial resource from an issuer.

Functions of Insurance

  • It gives protection to you and your family. The whole family depends on your financial support and for the safe side of you and your loved one to take an insurance policy for unexpected and uncertain circumstances.
  • On any unforeseen event like an illness, injury, any permanent disability or uncertain death, can leave your family is facing financial stress. So Insurance reduces your financial stress and you can focus on other circumstances of life.
  • Medical insurance gives you the medical support in case of uncertain illness and you are unable to bear your medical expenses, the insured get the medical support I case of the medical insurance policy.
  • Insurance plays an important role in the development of the country’s economy. A large number of funds are collected by premium. These funds utilized in the industrial growth of the country, which develops economic growth.

Main Types of Insurance Coverage

There are several types of insurance coverage. Insurance coverage has many criteria according to insurance premium or which type of insurance you have. Insurance help policyholder in every aspect of type insurance. Few of types in following:

  • Auto insurance
  • Life insurance
  • Collision insurance
  • Auto insurance
  • Rental insurance
  • Land insurance
  • Homeowners insurance
  • Broadcast insurance

Life Insurance

Life insurance is the most important type of insurance in which the insurance company pays you the sum of money either onset time period or death to his benefit.

It gives liability to the insurance company. If an accident occurs you have to bear the expenses, but if you are insured then these expenses are met by the insurance company.

Terms of Life Insurance policy is approximately 30 years. After that, if an individual dies the maturity amount is paid to the nominee and if an individual is alive then the amount is given to him

Medical insurance is very helpful in this regard where the amount is in accordance with the severity of the condition in any case. There are different types of health insurance coverages provided

Young people pay more premium as they are new with less experience and they have greater chances to meet accidents while older people pay less as they are more experienced drivers…

General insurance

It is the type of insurance that gives you protection on your losses on other things except for life insurance. This insurance includes

  • Home insurance
  • Health Insurance
  • Auto insurance
  • Personal accident insurance
  • Medical and health insurance

Collision Insurance

In this insurance policy If your vehicle is insured and gets damage in some accident then it will be included in collision insurance.

Auto Insurance

In this insurance policy if you are driving a vehicle and you hit someone then all the compensation amount will be paid by the insurance company. Moreover, there are 6 types of auto insurances.

Rental Insurance

In this policy, if the house is on rent and insured then any damage like water, that happens in the house will be paid by the insurance company.

Land Insurance

If the land is insured and unfortunately the landlord dies then no one can occupy the land forcefully and it’s the responsibility of insurance company to deliver to the rightful owner.

Homeowners Liability Coverage

Suppose, if you have a guest in your house and the house is insured and unfortunately guest get hurt by any mishap then the compensation amount will be covered by the insurance company via homeowner liability.

Broadcast Insurance

Broadcast insurance covers the broadcast insurance coverage.

For example, if a radio station is broadcasting a program and unfortunately one of the participants expires then broadcast insurance covers the compensation.

Same as also many other types of insurance coverage

Liability protection is not just a good idea. Insurance agents guide the insurers about the insurance policies and answer the concerned queries about insurance.

Advantages and Disadvantages of Insurance

Insurance provides remarkable advantages, not provided by any other financial program but besides this, it also has some disadvantages

Pros of Insurance
• Protection
• Security
• Savings
Cons of Insurance
• Lengthy
• High Premium
• Crime Supportive
• Few Facilities

Advantages of Insurance Policy

Protect your Family When you Gone: As it is impossible to predict the future. Life insurance provides helping hands to your family when you are unable to support your family after death.

Providing Security: Insurance gives protection to the individual and their family. There may be a fire in the house or the factory or a car accident insurance gives you full security by paying the loss. If in a car accident your car is damaged then according to the terms and conditions insurance company will bear the loss. It provides complete financial security in any unforeseen event.

Saving Encouragement: Insurance policy does not only give you protection in your unforeseen event but provides investment area too. It is a great source through which you can save money by paying a premium amount. The sum-up money will be paid to you after the maturity of the policy

Disadvantages of Insurance Policy

Takes too much time: It takes too much time to gives you payment of your losses due to long and lengthy legal formalities

Premium is Higher than Maturity amount: Sometimes the amount of premium is higher than the amount paid by an insurance company at the time of maturity

Lead to Crime: Insured may lead to crime to get the payment higher than the loss of insured or for the purpose to get the insured may one of family member kill the insured so they can get the sum insured as a nominee.

Fewer Facilities: It may provide saving and investment encouragement, but does not facilitate as a bank do

How Insurance Premium Amount is Calculated?

The Premium amount of an insurance policy is calculated by a specially designed calculator to know the actual amount to be paid as a premium. You just have to fill out the basic information that the calculator recommended you the plan

There are four basic factors to calculate the premium amount such as:

  • Age of entity
  • medical history
  • In taking habits
  • terms of policy

List of Top Insurance Companies in UK

  • Prudential plc
  • Legal & General
  • Aviva Plc
  • Standard Life
  • Old Mutual
  • Phoenix Group Holdings
  • AEGON UK
  • RSA Insurance Group
  • Liverpool Victoria(LV)
  • AIG Europe Limited

Conclusion

Every financial instrument has some advantages and disadvantages. We have to choose according to our needs and their term and conditions. They have some tricky terms and conditions that we don’t read propyl at the time of buying and after that at the time of loss or maturity insurance company does not pay the whole loss or less maturity than the premium is paid.

So we have to be careful before buying the policy and clearer terms and conditions. Besides all this insurance policy gives protection and security to the family of the breadwinner. It is a great way to feel secure and satisfied that your family and loved one will have some financial protection after any loss or your death. Insurance helps the industrial growth of the country. It also gives you saving encouragement. It is the best way to generates financial resources.

What is Marketing Orientation? Importance and Types of Marketing Concept

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Marketing is the process of creating communication, delivering, and exchanging an offer that gives value to clients and customers. Marketing is defined as  “the activity” by the American Marketing Association. Basically, the term “Marketing” doesn’t mean to go market with some kind of staff for sale. Marketing is management that identifies, anticipates, and satisfies the customer with their profits. Marketing is a combination of 7 P’s

7 P's of Marketing
• Product
• Pricing
• Placing
• Promotion
• People
• Packaging
• Positioning
Explanation of Each P
• What you want to sell
• How much want to charge against
• Where to Sell
• How to Attract Customers
• Who is doing all this
• The attraction of the packed product
• How Customer will perceive you

Marketing is the process in which you can bring a product to market including these steps; Marketing segmentation, pricing, and promotion strategies, developing communication skills, market research, determining distribution, and vision for long-time market development goals. There are many parts of the marketing process “e.g. brand management, advertising art director, product designing, etc”.

Marketing Concept

The marketing concept is to satisfy the organizational objectives, an organization should accept the needs and wants of the customer. In marketing, you have to understand these concepts

  • Needs: The Necessity of People to live a healthy, safe, and happy life, when needs stay unfulfilled adverse outcome: dysfunction or death.
  • Wants Something which is not necessary, but that is your desire or wish. Want are not essential for life survival.
  • Demands When the needs and wants have backed the ability to pay. Then the potential to become economic demand.

For the development of the product and improvement of the product, marketing research is conducted. It is directly related to the consumer’s needs. Customer’s needs are beneficial to market segmentation it is related to dividing the market into different categories of customers on the basis of different desires for customers that might buy separate products or who may buy marketing mixes.

Marketing Concept
• Understand Market
• Develop Need
• Integrated Marketing
• Earn Profit from Customer Satisfaction
Selling Concept
• Develop Product
• Sale Developed Product
• Promotion
• Profit from Massive Sales

Needs-based segmentation “beneficial segmentation”, “place the consumer’s desires at the forefront of how a company works or how its desire and marketing products and services”. Although need based segmentation is not easy to do in practice, it is one of the most effective ways for segments a material.

Designing is the best way of and how it will fulfill advertisements and promotion to show how this product or service is beneficial for customers and how it will fulfill customers’ desires.

What is Marketing Orientation?

Marketing orientation is the philosophy of companies that focuses on developing and fulfilling the needs and wants of their customers through their products. In the past marketing concentrated on establishing selling points for existing products, orientation works in an opposite manner.

types of marketing concept

The Production Concept or Orientation

The Production Orientation or Concept refers that customers will always buy and recommend products available in the market at an affordable price.

It is the oldest concept in marketing and manufacturers following this orientation focuses on only two things

  1. Production
  2. Distribution

This marketing strategy is useful for some products.

The Product Concept or Orientation

The Product Orientation or Concept refers to that customers will not go for an affordably priced product. They will surely go for innovation, qualitative, and better product performance. This concept is usually adopted by the electronics company.

Manufacturers under this concept always try to improve their product features. They make marketing research, and add advanced values to the existing product in the better version like Mobile manufacturers using a better camera, more ram, and processor.

Selling Concept

The Selling Orientation keeps the ideology of selling through extra promotional activities. They believe, their sales are not based on production and product concepts. Their sales depend upon promotional activities they do with different types of advertising and promotional campaigns.

The concept behind this orientation is that customers repeatedly watching ads or promotions may buy repeatedly. They easily forget their past experience with that.

Marketing Orientation or Marketing Concept

Know what your customer wants, how they want, where they want, why they want, and how much they want. In simple words, this marketing concept believes in achieving long-term and short-term organizational goals by knowing the customer at its best level.

The motto is Customer First and Target is Customer Again

It is strongly customer oriented. They totally want to make products for the customer and never rush to find a customer for products.

Societal Marketing Orientation

Societal Marketing Orientation thinks of doing something for welfare, both for consumers and non-consumers.

They believe to do improvements in both and in society too. Doing something like, flood donations, concerts and seminars for orphans and a few similar activities suits best in this example.

This is a newer concept in marketing after the acknowledgment of global warming. Industries and Organizations started to do social welfare and got some good responses in eyes of clients.

Importance of Marketing

Marketing is the heart of the business. Most businesses are based on successful marketing, It advertises the products or services. The overall marketing umbrella covers advertising, communication, promotions, and sales. Marketing is a process by which a product or service is introduced all over the world and without marketing your company may offer the best product or service in your industry but none of your potential customers, targeted by Advertising media or salesman will know about your product or service. Without marketing, your product sales may crash or the company may have to close.

Getting Word Out

For a successful business, the product or service must be providing awareness to buyers. You have to use marketing strategies to create product or service awareness. Without marketing, your customer may never know about your business offers, and your business may never give progress and success. Marketing gives you an opportunity to promote your product, services, and company, with the help of marketing your business has a choice to build up and promote more than your competitors.

High Sales

If your product, service, or company should get a place on the radar screen of your prospect, it increases your chance that the customer will make a buy. Awareness is a reality and the main focus of high sales. If customers are not aware of your product, service, or company then how they buy something and how your sales will be high. Awareness is a point where new customers start to spread the word. Your sales will highly increase as the word spreads. Without marketing these sales may not happen, without sales, a company or business cannot succeed.

Healthy Competition

An environment is fostered by marketing in the marketplace for healthy competition. Marketing can make out on the pricing of products and services which not only reaches the potential consumers but also it reaches the door of competitive companies. As opposed to those companies which have a rich control of products and services those companies can charge any price.

Marketing help to keep pricing competitive for a company or business to try to win over consumers before its competition does. Without competition, the well-experienced and famous companies have no fair loss they can easily sell, on the other side the newly established company has little chance to succeed. Marketing gives the healthy competition that allows the small or new businesses to be successful. Enter and grow your sale in the marketplace places

Reputation For Company

The reality is reputation is the success of a company or business. The marketing introduces the product and builds the brand name of the company. When a company gets to believe in the public and reaches the high expectation of the public its reputation builds up, the business will expand and sales will increase. If you want to build your company’s reputation and you want to increase your sales, then you have to focus on quality able products or services, your communications should be effective, and you should participate in active communicative programs.

Consideration

Marketing is very important in business as above I discussed marketing is the heart of the business, it is very expansive. In the beginning, a company might spend half of its sales on marketing programs. After some time the marketing budget can reach 30 percent (sometimes more) of the annual sale. Your company can get the best chance by marketing, as like; public relations, designing and printing for all print materials, website development, print and broadcast, advertising trade shows, etc.

Top 10 Largest Silk Producing Countries in World – [ Production Ranking ]

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Production of various types of silk depends upon the amount of availability of mulberry tree leaves, which is limited between 15°to 45° latitudes in both hemispheres. Therefore, only China, Korea, Japan, India, Iran, Turkey, Turkmenistan, Uzbekistan, Vietnam, and Brazil are the largest Silk Producing Countries in the world.

While on the other hand silk fabrics (natural) is mostly used in wealthy countries. Therefore industry is located in Japan, China, India, France, Italy, U.S.A., Germany, Spain, Korea, and Pakistan.

Silk Producing Countries in World – Rank by Production

Silk Exporting Countries


• China
• Italy
• Romania
• Vietnam
• India
• France
• Japan
• Germany
• South Korea
• Hong Kong

Total Exports in 2017


• US$ 1.1 Billion
• US$ 271.3 Million
• US$ 95.6 Million
• US$ 89.8 Million
• US$ 76.6 Million
• US$ 59.1 Million
• US$ 53.7 Million
• US$ 51.6 Million
• US$ 49.5 Million
• US$ 34.3 Million

1. China Silk Production

China is the largest raw silk and silk fabrics producer in the world. The woven on hand looms in China, where an abundant supply of cheap labor is available. The Si-Kiang and the Lower Yangtze, Kiang valleys are traditional sericulture areas and homeland of silk manufacturing in China. This is why silk prices in China are relatively low compared to the international market.

According to the statistical survey of 2012, China produced 126000 Million tons. China produces 60% of the world. It exports raw silk and fabrics to U.S.A., U.K., France, Germany, Italy, Spain and other countries. Shanghai, Hangzhou, and Canton are the main silk manufacturing cities in China.

2. Japan

Japan is an important raw silk and artificial silk producer in the world. It is too advanced in silk cloth and fabrics manufacturing, which is largely synthetic fibers.

Natural silk cloth is mostly located in Central Honshu, particularly around Okaya and Nagoya. While synthetic silk mills are mostly located on the west coast and Fukui, Kanazawa and Niigata. Kyoto, Gumma, and Tochigi are manufacturing centers.

According to the statistical survey of 2012, Japan produced 30 Million tons. It was very high production after China.

3. France

Silk manufacturing developed in France in the 19th century in valleys of Rhone and Lyons city. France uses 70% silk for interior products, which use in daily routine.

Today Lyons is an important silk manufacturing center in the west. France imports raw silk from China, Japan, Korea, Bulgaria, and Greece.

4. India

Silk Producing States in India


• Karnataka
• Andhra Pradesh
• Assam
• West Bangal
• Jharkhand

Production in MT


• 9800
• 5000
• 3300
• 2400
• 2300


India ranking fourth among the leading sericulture countries has not only a time-honored silk tradition but a rich silk fauna. The process of making has been practiced in India since ancient times. India is an important silk producing country. India is exporting different types of silk to various countries.

The Bihar, West Bengal, Madhya Pradesh, Assam, Andhra Pradesh, Jammu & Kashmir, Tamil Nadu, and Orissa are other states prominent in silk manufacturing.

The first mill was established by “East India Company” at Howrah in 1832 at present Karnataka is the premier producing state 52%.

5. Italy

Italy is a pioneer country in sericulture and silk textile manufacturing in Europe. In the 16th century, sericulture started in the Po river valley and Alpine piedmont region, which was home for mulberry tree cultivation. In this region, Milan city became the silk textile center.

Today Milan is the center of silk cloth and fabrics manufacturing. Venice, Geneva, Komo, and Burgamo are some silk textile manufacturing centers.

6. USA – United States of America

It has a large silk industry that commands the world synthetic silk. U.S. market demands high standard luxury apparel. Due to the large market and high demand, U.S.A. imports silk cloth and fabrics from China, Japan, France, and Italy.

Preston New Jersey was the first silk textile manufacturing center in the US. While now Scranton, Wilkes-Barre, Allentown, and Easton cities have the sizable share.

7. Russian Federation

Artificial manufacturing started in Russia before “Revolution of 1918”. Russian Federation and common-wealth nations produce bulk amounts of raw silk /artificial, availability of fossil fuels, technological development, and the large market has manufactured.

In Russian Federation largest silk textile, manufacturing center is Moscow-Tula region. Besides Ukraine and all Central Asian states manufacture large amounts.

8. Pakistan

Silk manufacturing is an old household industry in Pakistan but, Modern silk textile mill was erected in 1948 at Karachi. Pakistan uses artificial silk for textile manufacturing. Faisalabad, Karachi, Gujranwala, Sheikhpura, Hyderabad, Khairpur, Peshawar, Swat are main silk textile manufacturing centers in Pakistan.

China, Japan, Taiwan, South Korea are big Asian countries, which exports more than 50% of silk textile and fabrics to other countries. While Italy, France, United Kingdom, Russian Federation, India, Indonesia and Malaysia, U.S.A. also export me amounts of silk textile to other countries.

Santander Zero Credit Card Reviews [Real Customer Feedback]

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Worn out of consuming money on the high-interest rate card while you are abroad? Zero Credit Card is a perfect choice for travel purposes with many features and benefits as it charges no fee for money withdrawals & abroad purchases in respective local currency.

As with all travel cards, be sure to pay for purchases abroad in the local currency, not in pounds. Local Currency payments will get a good Santander MasterCard exchange rate.

The Santander Zero is MasterCard Credit Card that can be utilized for travel, however, always pay off any money withdrawals as quickly as time permits to constrain interest charges before they hit the time limit.

Santander Zero Retailer Offers

In case you plan to utilize Zero Credit Card in GB or abroad, a few clients may discover an incentive through Retailer Offers. The prizes program can get a premium of up to 15% off select retailers, including different grocery stores, supermarkets, entertainment, food, and more – yet clients should effectively deal with their accounts. These offers are typically fleeting, lapsing within fourteen days. The Santander Zero card gives no reward other than these.

Zero Credit Card Balance Transfers

Santander Zero has balance transfer-ability too, the 3% charge for just a single month of no interest is more awful than the normal transfer deal available on the market.

No Interest for a Set Window

You will have to pay zero interest on buys for the introductory duration. Many cards offer 06 to 18 months duration without interest on buys and purchases and most of the time on balance transfer too.

Helpful for Lowering High-interest Balances

If you are hauling high-interest credit card, you can transfer it to the card that offers a 0% initial APR on balance transfers. This provides you with a window of time where interest will not increase balance, so all of your payments will move towards financial debt itself. This enables you to make quicker progress on dropping debt.

Ideal for Large Purchases

If you would like to make a purchase, such as a television or maybe planning a holiday but need some time to repay it, a 0% interest is a jumbo asset. For a limited time, you get to carry a balance and space out payments on zero interest.

Balance Exchanges are not Usually Included

Pretty much every 0% APR offer is for new purchases made with the card. A portion of these introductory offers additionally include 0% on balance transfers, yet not all do.

You’ll Still Pay a Balance Transfer Fee

You will still have to pay a balance transfer fee in case you do not find a card with a 0% introductory offer on balance. This fee is usually charged on 3% of the transferred balance, so it will be beneficial if you bring over a large amount of balance.

You can Lose it for Bad Behavior

In case of late payment, Santander has the authority to end the introductory period. In case you will not have a regular APR; you might get a penalty APR which is 30%.

The APR doesn’t last Forever

Appreciate it, on the grounds that once your 0% starting period is finished, it’s finished. The 0% interest goes on for the length of the early on period, and once it closes, the card will return to its regular APR. This standard rate might not be below, so be watchful about carrying a balance in case you’re nearing the finish of your introductory period.

Santander Zero Important Highlights

  • No fee for abroad purchases when made in local currency
  • Simple Credit Card Activation process
  • Welcome cash back offers at major retailers
  • Credit Card login Online Banking or mobile banking for management of accounts and services
  • Link up with Apple Pay

Criteria Applying for Santander Zero Credit Card

  • You must be 18 years old
  • You should be a UK resident
  • You have to earn at least £7,500 per year
  • You must have good credit
  • No CCJs, IVAs, and bankruptcy, within the last 6 years

Zero Credit Card Fees

Transaction FeesNo fee on non-Sterling Transactions abroad
No fee on Santander Credit Cash Withdrawals
Mobile & Online Banking Santander Retailer OffersWelcome bonus of 5 Retailer Offers up to 25%
Ongoing access to Retailer Offers up to 15% off
Annual Feeno annual fee i.e., £0
APR (variable)18.9% on
1. Cash Transactions
2. Balance transfers
3. Purchase
  • Early repayment fee: £0
  • Late payment fee: £0
  • Arrangement fee: £0
  • Intro purchase rate: 0% for 2 months
  • Purchase rate: 9 %

Introductory Offers

Intro Purchase Rate Period1
Balance Transfer Offer Term1 month
Balance Transfers Allowedyes
Introductory Balance Transfer Fee3 % (minimum £ 5)
Max Balance Transfer Limit0 % AER
Money Transfers AllowedNo

Santander Zero Overseas Use

Worldwide Transaction Cost of £100Free
Cost of £100 Transaction in EuropeFree
International Cash Withdrawal Charges for £100Free
Airport Lounge AccessNo
Interest on Cash Withdrawals18.9 % AER

Santander Zero Charges

Interest-Free Period on transactions56 days
Min Monthly Repaymentstatutory minimum
Interest-Free Period on cash withdrawals0 days
PurchasesAnnual Interest Rate18.9 % AER
Inactivity FeeNone
Returned Payment Charge£ 12
Over Limit Fee£ 12
Copy Voucher Charge£ 0
Copy Statement Charge£ 0
Late Payment Fee£ 12

Santander Zero VS Others

To better comprehend the value of the Santander Zero Credit Card you have to see it in respect to other accessible choices so you can choose which will make more an incentive for you.

Santander Zero vs. Barclaycard Platinum Travel Credit Card

The Barclaycard Platinum Travel Credit Card is probably the best credit card for foreign use. Only if you pay off any and all cash withdrawals before the due date. The best feature of the Barclaycard travel card is that you’ll pay no interest charges at all by making payment in time. The card will not be as attractive if the foreign transaction fees increase.

The Santander Zero charges interest from the date of the transaction until the balance is paid off, which can result in an awful interest charge if you are on vacation. If you pay back your cash transactions promptly after withdrawal from the ATM, you lessen these interest charges. Those who won’t be able to pay back their cash transactions promptly can save more on the Barclaycard Platinum Travelcard.

Santander Zero vs. Santander All in One Credit Card

The Santander All In One Credit Card is an average all-around card, you can read the full review here. It offers a 0.5% cashback rate and no expenses on buys made abroad. The greatest inconveniences to the All In One card are the £3 month to month expense and 3% (£3 least) charge on money withdrawals.

These cards are attractive to those who want to manage the Retailer Offers rewards programme in order to have extra incentives. Those charging £600 a month will sufficiently acquire cashback rewards on the All In One to counterbalance the month to month expense.

Anybody searching for a simple card to for abroad may discover more of an incentive on the Zero as it is free and have no charges on cash withdrawals.

Santander Zero VS Halifax Clarity

This card is suitable for travel purposes as you can see in Halifax Clarity Credit card reviews and does not charge any fee. Santander doesn’t charge too. This can be essential as interest is charged promptly from the date of cash withdrawal and can rapidly include.

Both cards don’t charge fees on foreign transactions. Halifax charges a lower interest rate on cash withdrawals. Until you don’t pay back your cash withdrawals immediately, these cards will not work nicely.

Santander Zero Vs World Elite MasterCard

World Elite MasterCard gives you access to 1000 airport lounges and the facility of 1 million Wi-Fi hotspots. It charges no foreign transaction fees on purchases made abroad in local currency. Its representative APR is 49.8% variable and purchase rate is 18.9% p.a variable. It charges $15 on a monthly basis.

Both cards don’t charge any fee on foreign transactions. The World Elite Credit Card charges $15 fee on a monthly basis whereas Santander Zero charges NO monthly fees.

Random Customer’s Zero Credit Card Reviews

Ian B

It is absolutely fine until you withdraw your own money. Not a concern with giving me a long-winded run around when I wanted to take out 5000 in cash at the branch of my very own money.Their fake automatic system keeps denying transfers to my own accounts with other banks. it happens for a relatively small quantity. On the plus side, the people I dealt with on the phone were polite and helpful but it takes 45 minutes on the phone every time I want to send myself money and this is really hectic.

Martin

These people don’t care about their customers, plain and simple. They only care about making their wage and going home and they are not doing wrong. they put me wrong on my account and they think that is not a big issue? like seriously?

Their staff in their branches are very unhelpful and have provided wrong information on many occasions. Even their message service also does not work. How secure is it then?

I am concerned about the safety and privacy of my information as they clearly announce all sorts of information, audible to everyone in the bank, fully discussing.

For example, I had to withdraw £350 but their ATM can’t handle that so I had to speak to a teller. As I was leaving, I realized everyone could hear that I now have £350 in cash, totally unsafe!

A little more security, please. when I log in to their account there is a bottom like to talk with the teller, which tells that all login steps are useless if we still need to talk with the teller at the end. Ultimately, I decided to cancel the Santander credit card.

Jonathan Kay

I went into one of their branches. Here I came to know that my account is expired and I was not notified About it. However, Bridget spent over 30 minutes replacing the account and explaining every action carefully. Would be nice to think she will be there in a year’s time! Deserves praise as I think she used some of her lunch breaks to help me.

Kad Ahmad

I have a business account with Santander and their international banking service, they just called international actually they are not at all is, the worst people to deal with. Staff can not follow simple fax instructions in what currency.

I want my payment to be sent. How can they get it wrong on so many events? I am now persuaded, they do this intentionally and it’s the same staff. I think as soon as they see my letterhead instructions. I want somebody from the head office to contact me and discuss my issues.

Lucy

I have been banking with Santander for 6 years. I received a text from then at 9.00 PM. I was informed that fraudulent activity has taken place on my credit card and that I should immediately contact the bank.

I took action upon this and after about or more than 90 minutes I was able to speak with someone. This bank does not care about its customers the security system they use.

Such as, text messages are insecure they use the cheapest method of contact, and when they send you a text how do we know whether it is from the bank or scammer. A scammer can even take your money, who will be a cause of it then?

11 Best Debt Management Companies in UK – United Kingdom

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If someone is having difficulty in making payments, an option could be a Debt Management Plan. A debt management plan (DMP) is a correspondence between the person and his creditor (debt management companies or organizations). It usually refers to negotiating reduced interest rates or payments on one’s account. The reduced payment amount makes payments more manageable and allows to pay down the owed debt continuously.

Debt Management Objectives

The objectives of debt management are:

  • To minimize borrowing costs to keep risks at an acceptable level
  • To support the development and functioning of the domestic financial markets

Debt Management Process

There are many debt management companies available that help to negotiate with all creditors in the meantime and create a payment plan whereas, a debtor makes one monthly payment to the debt management company.

The company then makes individual payments to each of the creditors on debtor’s place. Debt management companies usually charge a fee for their service.

Debt Management Types

There are three basic debt management types

Debt Negotiation

Debtor making an agreement with their creditors without any help of a debt management company is debt negotiation.

Debt Consolidation

Debt management company assists you to get your debt under control. In a debt consolidation, the debtor makes one payment each month to the company and company then makes payments to each creditor.

Debt Consolidation Loans

Debt Consolidation Loans involves debtor taking out one large loan to pay off all smaller debts. One disadvantage of debt consolidation loans is that debtor has to pay interest on that loan which will add up over time.

A debt management plan (DMP) is NOT a loan. It is a part of the debt consolidation plans packages that are designed to help people recover standard of their finances while reducing non-guaranteed debts.

Debt Management Advantages and Disadvantages

There are a few following advantages as well as disadvantages of Debt Management.

Advantages

  • The debtor can use this even with the bad financial condition
  • Reduced or eliminated interest rates from the debts
  • Making every day and punctual payments can modify the credit report and credit score over time
  • Getting out of debt
  • No penalization and collections of interest

Disadvantages

  • Account freezing which a debtor include in the debt management plan
  • No application for the new credit card to the clearance of debt

Debt Management Plan in the UK

In the United Kingdom (UK), residents can also apply for an Individual Voluntary Arrangement along with Debt management plans, which can give the debtor some discount on their debt.

Top 11 Debt Management Companies in the UK

Debt management is actually monitoring and managing the risk factors and one of the most challenging tasks about financial problems is finding the correct place. The abundance of Debt Management Companies (UK) are offering free assistance, so it is a difficult task to choose the right one.

Top 11 debt management companies in the UK, performing their functions and services, are going to be discussed here comparatively.

Company Offers DMP Cost Reviews
Gregory PenningtonDebt management18.5% of monthly payment Excellent Customer Service
Quick response
Individual voluntary arrangements (IVA)
Bankruptcy,
debt advice
Debt Advisory LineDebt managementvaries Brilliant professional advice
Courteous
Individual voluntary arrangements (IVA)
Attentive
debt advise
Peace Of Mind GroupPay off debts,
loan,
trust deed,
Bankruptcy,
debt collection,
consolidation loan,
debt in the bank 		17.5% of monthly payment Excellent Customer Service
Quick response
Carrington Dean GroupIndividual voluntary arrangements (IVA),
debt management scheme,
trust deeds,
bankruptcy,
debt advice,
debt arrangement scheme. 		15% of monthly payment Excellent Customer Service
Quick response
National Debt Help Individual voluntary arrangements (IVA),
debt management,
bankruptcy,
debt advice 		FreeExcellent  Service
Quick Response
Less Stressful
Step ChangeIndividual voluntary arrangements (IVA),
debt management,
bankruptcy,
debt advice,
and trust deeds 		Free Excellent  Service
Quick Response
Less Stressful
Independent Debt Management (IDM)Personal finance,
business debt management,
debt advice,
equity release 		25% of total amountGood Service
Good Response
Costly
ACME Credit Consultants LtdBankruptcy,
Individual voluntary arrangements (IVA),
debt management plans,
personal finance,
and debt advice 		20% of total amount Good Service
Instant Response
Costly
Pay Plan Live againIndividual voluntary arrangements (IVA),
self-employed Individual voluntary arrangements (IVA),
debt management plan,
trust deeds,
debt relief orders,
bankruptcy etc. 		FreeLess Stressful
Instant Response
Great Service
Harrington BrooksIndividual voluntary arrangements (IVA),
debt management plan,
bankruptcy,
debt relief orders,
debt consolidation etc. 		₤ 80 monthlyGood Services
Costly
Prompt Response
Money PlusIndividual voluntary arrangements (IVA),
debt management plan,
bankruptcy,
debt relief orders,
debt consolidation etc. 		49% of monthly payment Good Services
Costly
Prompt Response

Conclusions

A debt management plan (DMP) is a correspondence between the person and his creditor. Many debt management companies help to negotiate with all creditors in the meantime and create a payment plan whereas, a debtor makes one monthly payment to the debt management company.

There are numerous debt management companies or organizations addressable to assist people having debts in the UK. All of the top debt management companies of the UK mentioned above have humongous information available regarding debt management plans or many other debt management schemes with either free or costly help available. One can easily compare and take help in choosing DMP with respect to the companies.

Santander All in One Credit Card Reviews

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Santander Bank designs “All in on credit card” for their users to enjoy maximum benefits and rewards. It aims to keep you prosper by offering huge benefits through various banking products including UK’s favourite World Elite Card & Zero credit card.

Santander All In One Credit Card Review

The Santander All in One Credit Card gives a 30-month 0% balance transfer and cashback rewards rates on all purchases. They charge a £36 fee per year. This gives you 0.5% rewards on all purchases 15% off on different Retailer offers at a number of retail partners. Santander All In One will also give you 25% off on five Retail Offers as a welcome bonus which will be for short periods, usually 14 days.

These offers give discounts to various retailers, such as Entertainment, supermarkets, car rental agencies, JD Sports, food and many more.

You won’t be charged any fee for non-Sterling transactions while abroad and it doesn’t charge any additional fees on the purchases made in local currency as well, but a 3% fee for each cash withdrawal will be charged immediately.

All in One credit card gives cashback rewards for those who want 0% interest on balance transfers and purchases on the same card.

All In One is Good for Those who want to

  • Earn everyday rewards
  •  manage rewards actively to find extra worth
  • Make purchases by All In One credit card abroad

All In One is Bad for

  • who wants an interest free period for cash transactions
  • don’t want to pay a monthly fee
  • £3 monthly fee
  • 3% High balance transfer fee applies after the introductory period ends
  • Transfers from additional Santander Group accounts aren’t permissible

Santander All In One Representative example:

If spending £1,200 at a purchase interest rate of 15.90% p.a. variable) then the representative rate will be equivalent to 21.70% APR(variable) by a monthly fee of £3.

Highlights

All in one credit card contains everything you need in a credit card. With this credit card, you’ll get;

  • Credit Card with a monthly fee of £3
  • Activate Santander card on phone or laptop
  • No balance transfer fee for 30 months from the date of account opening
  • No interest for 30 months on purchases from the date of account opening
  • No foreign transaction fee
  • 0.5% cash back on all of your purchases
  • Protect you when there are some price changes in the market.
  • Gives you a built-in warranty to make purchases and manage
  • accounts.
  • Use for foreign purchases and withdrawals having no transaction fees.
  • Notifications on card limit increase while mobile & email
  • Cash Back offer on Purchases
  • You will earn 0.5% cashback on every purchase. So, when will you make any small or big purchase every time you earn.
  • The bank is responsible to charge your account monthly and you can see this status through online or mobile banking.

All in One Credit Card Gratify Your Banking

All in one credit card has been promoted worldwide due to some of its features to add more values to personal and business banking. Your banking transactions are now at your fingertips with various facilities including the Internet, Mobile, Telephone banking.

Mobile Banking

Mobile banking allows users to quickly log on and securely use your account. You can see your transactions & limits through your mobile. You will have to register yourself for retailer offers to earn cash back on your balance.

Santander Online Banking

Santander Online Banking login enables you to handle banking tasks on your phone or tablet anytime anywhere.

Telephone Banking

Through all in one, you can also manage to a bank through a phone call by dialling 08009123123

Security Checks

Bank takes extra measures to protect your account information and aims to give you a secure trustworthy bank account assistance. Santander Offers you lots of benefits but they are still dangerous if used carelessly.

To take unlimited Credit Card benefits, firstly you have to pay off the full balance quickly

Balance Transfer and Cashback Calculator

This calculator is only for descriptive reasons.  This calculator supposes you’ll make the repayment amounts (monthly) entered, there are no additional transactions, rather a fixed interest rate charged on your accessible credit card and that you’re not in an early or promotional period.

Santander All in One Benefits

Rewards0.5% cashback rewards
on all eligible purchases
Transaction FeesNo fee on non-Sterling
Transactions abroad

3% on min £3 fee
on cash transactions

0% on PurchasesFor 30 months
Annual Fee£36
0% on Balance TransfersFor 30 months
(no initial balance transfer fee)
Retailer OffersWelcome bonus of
5 Retailer Offers up to 25% off

Continuing access to
Retailer Offers up to 15% off

  • If you have a current account then no monthly fee for 6 months
  • 0% for the first 30 months on purchases, after that 15.9% p.a. (variable)
  • 0% foreign transactions fees while using the All In One credit card abroad
  • 0% for the first 30 months on balance transfers, after that 15.9% p.a. (variable) and 0% balance transfer fee
  • 0.5% cashback on every purchase with no limits or caps

Santader All in one Credit Card Application Requirements

  • Be aged 18 or over
  • Be a permanent UK inhabitant
  • Have a £7,500 or more gross annual income
  • Have an excellent credit history
  • Have no bankruptcy, IVAs or CCJs in the last 6 years

Santander All in One Fee

Arrangement fee£0
Late payment fee£0
Early repayment fee£0

Applying for Card

If you’ve compared other credit cards with all in one and want to apply, firstly, complete the secure online application form. Before applying, check the eligibility criteria, whether you meet the criteria and all the requirements that are needed. Gather all the information and documents which are needed to make the process simple and straightforward.

All In One Compared to Aqua Rewards


The Aqua Rewards Credit Card is a cashback card which is free and offers 0.5% rewards rate. The disadvantage to the Aqua Rewards card is that the cashback is paid out one time in a year, and missing a payment is meant forfeiting all cashback for the year. This can be risky for many cardholders. The Aqua cards are suitable for those who have weak credit histories. This is good for individuals eager to improve their credit history.

RBS Credit Card Charges [ Reward, Black, Royal Bank & Student ]

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What are RBS credit card charges? Does RBS charges for using the credit card abroad? Royal Bank of Scotland makes it easy to choose a credit card when there are a clear benefit and assistance schemes. That’s why RBS made range nice and simple. It is great for saving money and also helping with student finance. Royal Bank of Scotland credit cards will help you to purchases and balance transfers at low rates.

List of RBS Credit Cards

  1. Reward Credit Card
  2. Reward Black Credit Card
  3. The Royal Bank Credit Card
  4. Student Credit Card

RBS Rewards Credit Card

Representative Example

Representative APR is 23.7% (variable). It is based on the Credit Limit of £1,200.

Rewards Credit Card by RBS typically applies 23.7% APR, these charges could be variable and annual fee will also be applied after three months of membership. The annual fee will be refunded if you have a reward current account. You can earn 0.5% rewards on every purchase everywhere. Royal Bank of Scotland applies £24 annual fee when you first ever use your account and then after one year on that date.

The reward credit card offers 1 RBS reward point every time you spent £1 on grocery, gas & other market purchases. To get bonus points Credit Cardholder has to carry out a significant amount of transactions through the card. It enables you to make RBS Credit Card Payments in the native currency as well as in foreign currency.

RBS Rewards Credit Card Fees and Charges

Representative APR23.7%
The interest rate
on the purchase		18.9% p.a.
(variable)
Annual fee£24

RBS Reward Overseas Charges

Charges for £100
Int’l Cash Withdrawal		£ 3
Interest Charged on
Cash Withdrawals		25.9 % AER
Cost of £100 Transaction
Worldwide		£ 2.75

Additional Charges

Inactivity FeeNone
Late Payment Fee£ 12
Returned Payment Charge£ 10
Copy Statement Charge£ 3
Returned Payment Charge£ 10
Over Limit Fee£ 12
Copy Voucher Charge£ 0

This credit card is suitable for you if:

  • You earn at least £ 10,000 per year
  • Your credit rating is Prime
  • You would like to borrow at least £ 300
  • You are above 18 years older

Rewards Black Credit Card

Reward Black Credit Card by RBS applies 31.7%APR, these charges could be variable and annual fee will be applied after three months of membership. Using this; you do not have to pay any foreign transaction fees. The annual fee will be refunded if you have already a Reward Black current account. Service tax will be applied with the total amount charged to the Credit cardholder.

While using Reward Black credit card, as you earn points near to £5, you can convert them in money into your account. It also offers security purchases and also enlarges warranty protection for your account.

RBS Rewards Black Charges

Annual Fee£ 84
Interest-Free Period
(transactions)		56 days
Annual Interest Rate
for Purchases		18.9 % AER
Interest-Free Period
(cash withdrawals)		0 days
Minimum Monthly RepaymentStatutory Minimum

Reward Black Overseas Charges

Cost of £100 Transaction
Worldwide		Free
Cost of £100 Transaction
in Europe		Free
Interest Charged on
Cash Withdrawals		25.9 % AER
Charges for £100
International Cash Withdrawal		£ 3

RBS Reward Black Additional Charges

Over Limit Fee£ 12
Late Payment Fee£ 12
Copy Voucher Charge£ 0
Returned Payment Charge£ 5
Inactivity FeeNone
Copy Statement Charge£ 0

This Credit card is suitable for you if

  • Your you earn at least £ 15,000 per year
  • Your credit rating is prime
  • You would like to borrow at least £ 5,000
  • You are above 18 years old

The Royal Bank Credit Card

The Royal Bank Credit Card applies 9.9% APR, which will be variable according to market ups and downs. Using this, you will enjoy a 0% annual fee. The Royal Bank credit card offers 0% foreign transaction fee and low rates on balance transfers. You will also enjoy low-interest rates.

It also provides a revolving credit limit that varies with financial exposure of the holder.

The Royal Bank Credit Card Charges

Interest-Free Period on transactions56 days
Min Monthly Repaymentstatutory minimum
Interest-Free Period in cash withdrawals0 days
Annual Interest Rate for Purchases9.9 % AER

The Royal Bank Card Overseas Charges

Cost of £100 Transaction
in Europe		Free
Cost of £100 Transaction
Worldwide		Free
Interest Charged on
Cash Withdrawals		16.9 % AER
Cash Withdrawal Charges
for £100 International		£ 3

The Royal Bank Credit Card Additional Charges

Late Payment Fee£ 12
Over Limit Fee£ 12
Copy Statement Charge£ 3
Copy Voucher Charge£ 0
Inactivity Fee:None
Returned Payment Charge£ 10

This card is suitable for you if

  • You earn at least £ 10,000 per year
  • Your credit rating is prime
  • You would like to borrow at least £ 300
  • You are above 18 years older

RBS Student Credit Card

Representative APR is 18.9% (variable), If you are borrowing of £500 on an interest rate of 18.95% (variable) annual.

RBS Student Credit Card applies 18.9% APR and also have no annual fee. This card will ensure safety for student life. The least maximum limit for a student credit card is £500. But to avail student Credit Card service you must have a Royal Bank of Scotland Student current account.

Along with these charges other taxes, duty, and some else charges were also required to be paid, which will be applied to your account. RBS Credit Card Services are full-time amazement, but if payment will not be paid within due date, credit cardholder charged with some additional costs, just due to delay in payment.

Student Credit Card Charges

Interest-Free Period
for transactions		56 days
Min Monthly Repaymentstatutory minimum
Interest-Free Period
for cash withdrawals		0 days
Annual Interest Rate for Purchases18.95 % AER

Student Credit Card Overseas Charges

International Cash Withdrawal
Charges for £100		£ 3
Interest Charged on
Cash Withdrawals		27.95 % AER
Cost of £100 Transaction
Worldwide		£ 2.75

Student Card Additional Charges

Over Limit Fee£ 12
Late Payment Fee£ 12
Copy Statement Charge£ 3
Returned Payment Charge£ 10
Copy Voucher Charge£ 0
Inactivity FeeNone

This credit  is suitable for you if

  • Your credit rating is prime
  • You would like to borrow at least £ 250
  • You are over 18
  • You are previously an existing customer

Credit Card hub of Royal Bank of Scotland will help you to choose the best one credit card. RBS also introduce a “Grace Period” once during a year. During the Grace period, the cardholder has to pay their credit card bills without any additional interest.

Different Ways to Earn Avios Point Rewards

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Everyone does not get full of their credit card offered rewards just because of the knowledge they do not have at all. Credit card reward programs are not so complicated.

They are simple, easy & awesome as well

The same is Avios Point Credit Cards. Consumers can earn rewards easily with the following strategies and redeem at various outlets, airports, hotels, and shopping stores.

Choose Right Credit Cards with Avios Points

Multiple banks in the UK offer a credit card with Avios points. Lloyds, TSB, American Express, HSBC, Tesco and few more banks facilitate consumers with rewards.

Most of them give signup Avios points bonuses to clients. All you have to do is to select the best Avios credit cards for your needs & spending patterns.

Top Strategies to Earn Avios Points

Bank & Shop with Avios Card

The easiest and simplest strategy is to Sign Up with Avios. Once after signup, you shall be given the opportunity to earn points that you can redeem. These earning will be credited to your account or your British Airways Executive Club account

Many of us have more than 1 credit cards in the pocket and use them randomly. The best & most used earning strategy is to use card giving you the best conversion to your points.

Like Tesco gives 0.3 per £1 spending but American Express gives 2 Avios per 1 pound.

So why use Tesco?

If you are thinking to use your debit card to get rid of monthly credit card bills, do not do it. Debit cards won’t give you return. Swap your credit card and pay your bills instantly.

This way you are getting double benefits. The first is Avios points and second is building a good credit score.

Shop Online with Avios E-Store

Buying from random eCommerce store is not a good choice when you have Avios E-Store. With Avios E-Store, your Avios points transferred into your account within 35 days of purchase.

Book Holidays with British Airways

Planning a honeymoon or business trip. Book your flights with British airways using your card. Do not forget to book a rental car too. With each £1 spent, you get 2 points. Check multiple online options for hotel selection around the globe

Online Surveys

Giving approx 45 minutes can return you with points. Not every day you are free to fill online surveys but someday or weekends may be randomly selected for this. Avios Online survey programs are interlinked with British Airways.

Your spare time can be utilized. Simply these earned points can be transferred to your account and further transferred to your British Airways.

Transfer your Hotel Points to Avios

Just with few clicks online, transfer your other credit card rewards points into Avios. This way your hotel points, reward points can be moved here to fly free.

Shop with Avios Channel Partners

Shop with more than 100 Avios channel partners to earn Avios rewards at each £ spending.

Here is a list of few HOT Avios Offers

Get 12 on £1

  • Wolf & Badger
  • MathcesFashion.com
  • Biscuiteers Banking Company
  • Karl Lagerfeld

Get 20 on £1

Appleyard Flowers

Get 7 on £1

Viking Direct

Get 8 on £1

Joseph, Cath Kidston

Get 6 on £1

  • Joseph
  • Cath Kidston
  • Clarins UK
  • NotonTheHighStreet

Get 4 on £1

Dorothy Perkins

Get 11 on £1

Links of London UK, Gap UK,

Get 15 on £1

Boohoo UK bonuses with 5 Avios per £1

Get 13 on £1

Ranging Bull

Get 9 on £1

Cowshed

Get 10 Avios on £1

  • Toms UK
  • The Royal Mint
  • 24 Severs

Get 18 on £1

Facetheory

Get 6 on £1

Vestiaire Collective

Refer a Friend

Amex Preferred Gold Card gives a great offer of referring a friend, With this offer, simply refer any friend or family member to the card to earn 9000 rewards and 4000 rewards.

Switch your Magazine

Business Traveller Magazine gives up to 2000 points to their subscribers

Best Avios Credit Cards

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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.

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 Bonus80,000
Avios points40,000
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 Bonus20,000
Avios points20,000
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 points25,000
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 Bonus30,000
Avios points30,000
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 Bonus30,000
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 Bonus20,000
Avios points4,000
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 Bonus10,000
Avios points10,000
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.

Amex Everyday Credit Card Reviews

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The Amex EveryDay Credit Card from American Express is a wise choice if you have family & spend a lot on Gas Stations and groceries. It is most compelling; no annual fee card offering 2.00x points.

EveryDay Card gives more points – this is a pretty matchless card for those who don’t spend much on credit cards but still wants to earn valuable rewards.

Card Sign-Up Bonus

After spending $1,000 within three months Everyday credit card rewards you a sign-up bonus of 10,000 Amex Membership Rewards points. Though this is not a huge sign-up bonus for a no annual fee card but, it is still not bad.

You can exchange Membership Rewards points for a number of rewards, such as:

  • Gift cards
  • Statement credit
  • Travel Rewards
  • Merchandise in categories like technology, home, and office, fashion and beauty etc
  • Events and experiences
  • Donations
  • Payments at checkout with points

Annual Fee

The Amex EveryDay Card charges no annual fee. At no extra cost, you can also add authorized users to the card.

Annual Fee= $0

Purchase APR =14.74%-25.74% Variable

Card Return on Spend

It is the very reason why you want the card. The Amex EveryDay Card gives:

  • 2x points at US supermarkets, on the first $6,000 spent annually
  • A 20% points bonus on making 20 or more purchases on per billing cycle

This card has no annual fee but still gives more points per spending on non-bonuses purchases as compared to AMEX Platinum Card and the Premier Rewards for Amex Gold Card.

Intro APR

For the first 15 months after account opening 0%, intro APR would be on purchases and balance transfers. You’ll have a purchase and balance transfer APR of 14.74% to 25.74% after this intro APR expires.

2.00x Points at US Supermarkets

You’ll earn 2.00x points at US supermarkets (on up to $6,000 per year in purchases, then 1x points on eligible purchases.

Access to Amex Offers

One of the amazing rewards of having a card is having access to Amex Offers, which saves your hundred dollars per year. These offers give you discounts or a chance to earn bonus points with retailers. The ideal situation is to have no annual fee

More Amex Rewards Points the More You Use Your Card

You will get 20% more points on the purchase if you make 20 or more purchases with your card in a billing period.

Transferring Amex Points

Membership Rewards points can be transferred to eligible frequent traveller programs, i.e. British Airways Avios, Emirates Skywards, Choice Privileges Rewards, Hilton Honors and Starwood Preferred Guest.

Use Membership Rewards Points for Some Charges

You can easily redeem Amex Points as For some types of purchases — such as dining and entertainment — card charges can be paid with Membership Rewards points.

Travel Insurance American Express

For vacations, you can have access to the American Express Global Assist Hotline and Roadside Assistance Hotline.

ShopRunner Benefits

Through ShopRunner get free two-day shipping from different stores.

Purchase Benefits

You will have complete warranties on eligible items you buy with your card. By Purchase Protection your eligible items are sheltered against theft and accidental damage.

Transfer in Limited Time

To take benefit of the intro APR for balance transfers, make transfers within the first 60 days after the opening of your account.

Not Widely Accepted Overseas

As Visa or Mastercard, the Everyday Credit card is not widely accepted overseas.

Penalty APR

American Express may assess a penalty APR of up to 29.99% that will differ from the market on the basis of Prime Rate.

This APR can apply to new transactions on your account if:

  • you make one or more than one late payment

Penalty APR applies for at least 6 months. Your account is reviewed every 6 months once the Penalty APR is applied. It will keep on applying until after you have ended timely payments, with no returned payments throughout the 6 months being reviewed.

Foreign Transaction Charges

If you use this card on a foreign website or abroad you will pay a 2.70% transaction fee and potentially

Transaction Charges/Fee

You have to pay a fee for making a balance transfer or advance cash.

Late Pay Penalty

You have to pay $38.00 fee per infraction if you delay payments. You can do online Amex credit card payments to avoid this fee.

Annual Membership: $0

balance Transfer: $0

Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater

Foreign Transaction: 2.7% of each transaction after conversion to US dollars.

Late Payment: Up to $38

Returned Payment: Up to $38

Overlimit: None

Everyday Credit Card Application Criteria

  • You must be 18 years old
  • You must be a Us citizen
  • Your credit score must be 680.00 or higher
  • No hard pulls on your credit report
  • Low balance relative to your credit limits

Everyday Credit Card in a Glance

  • No annual fee.
  • You can Earn 10,000 Membership Rewards points after using your new Card within 3 months to make $1,000 in purchases.
  •  Intro APR is 0% that is too low for 15 months on balance transfers and on purchases, then a variable price, currently 14.74% to 25.74%
  • Within 60 days from account opening, Balance transfers should be requested with $0 balance transfer fee.
  • You can get 2x points at US supermarkets on up to $6,000 in purchases per year and1x points on extra purchases.
  • You can utilize more than 20 times on purchases in billing time and can earn 20% more points on those purchases fewer returns and credits.

Though the Amex EveryDay Card is the best credit card and The Platinum Card from American Express and the Premier Rewards Gold Card from American Express are charge cards, Amex limits its consumers to have five credit cards to approving the major limitations.

The approval of Amex cards is easy for those having a huge credit. For those who try to make credit or without a giant credit history, Amex offers rewarding cards that would be beneficial to develop their credit history.

Best Substitutes

You can also use others cards as a substitute to Amex’s.

Amex Every Day Preferred Credit Card

This card which is the premium version of EveryDay Card, offers you $95 annual fee, 3x points on the first $6,000 spent annually at US supermarket, 50% bonus points on making 30 or more purchases on per billing cycle, 2x points at US gas stations.

Chase Freedom Unlimited Credit Card

This card is another best substitute for Amex EveryDay card. It has a 0% annual fee and offers 1.5x points per dollar spent, offers Unlimited Rewards points that can be converted into Ultimate Rewards points.

The Bottom Line

Those who need a no annual fee card that offers kind rewards, the Amex EveryDay Card is the most rewarding in the market. This card offer Membership Rewards that can be exchanged for airline or hotel partners. It’s a wise choice if you regularly spend.

This is among one of the two cards which charge no annual fee and accumulating these sorts of Membership Rewards points. One of the shining points of Amex card is that it earns above 1.2 x Membership Rewards points on per dollar spent that is much better than other Amex’s card which charges high annual fees.