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Aqua Credit Card Payment – Aqua Payment Options

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It’s important to make your aqua credit card payment fully. This means you have to make at least the minimum payment each month – a sum equivalent to the aggregate of interest, default sums plus 1% of the balance that is appeared on your statement (least £5, or the full balance if less than £5).

You additionally need to ensure you remain within your agreed credit limit.

if you are facing a bad credit score as a hurdle to payday loans, home financing, car loan, or some other cards like Everyday, Avios, or RBS. By having AQUA, you can construct or repair your credit rating, and likewise, you have the capacity to expand your credit limit. This way, you would be able to get other options as well.

Easy Aqua Card Payment Plans

Paying to Aqua is very easy. There are some ways whether you need to pay up all required funds every month or spread your payments, you can look over one of the six following choices:

Aqua Credit Card Payment By Direct Debit

Aqua also takes automatic installments by direct debit payment options. They take a base installment, full balance, a level of your balance, or a set sum every month, whichever consumer inclines toward.

For more details call 0333 220 2691.

On the off chance that you pay by Direct Debit, the cash will be taken from your bank account roughly 17 days after the issuance of the statement.

Aqua Credit Card Payment “Online”

You can make an online payment by your own bank account or on the aqua website www.aquacard.co.uk. After this, you have to wait for at least 3 working days before the due date.

Payments can also be accepted by using the Faster Payment Service. In case you have missed your payments due to any reason, you can call on 0333 220 2691.

Aqua Payment By POST

For doing this, Complete the payment slip and send it with a cheque in the envelope provided by the post office. You have to ensure the cheque is made payable to the account holder, with the 16 digit credit card number in the payee line.

Under no conditions should the check be made payable to the Bank as it may not be acknowledged. You have to wait for 7 working days for your payment to reach the bank.

Payment By GIRO

Your payments can also be made by GIRO. For this, Call any UK bank showing the sign of MasterCard. Then complete and hand in the Giro Credit Slip with the cheque or cash. Some banks may charge a fee. Remember, Payments should be made at least 5 working days before the due date.

Payment By STANDING ORDER

Another option for credit card payment option is to set up a standing order. You have to contact the bank which is holding your current account for this.

You’ll need to check that your payment will reach your account by the payment due date and make sure the amount covers the minimum payment (as this will vary).

For all the above processes you have to provide the following details to your bank:

Aqua Sort Code (30-00-00)

Aqua Account Number (00282448)

Your 16 digit account number as your reference

Paying Through Telephone Banking Service

If you want to pay your account using Telephone Banking, you will have to provide the following information to your bank:

  • Aqua Sort Code (30-00-00)
  • Aqua Account Number (00282448)
  • Your 16 digit account number as a reference

Keep in touch with your Telephone Banking provider that your payment will reach your account by the shown due date.

Missing Payment

A missed payment puts you at risk of damaging your rating. Occasionally even careful customers miss too.

What should be the consequence of missed credit card payment?

Calling your credit card provider to let them know the cause and let them know how soon you will be able to make up the amount can help you save potential damage.

However, continued late payments affect your credit score badly.

Failure to meet up payments in time may result in a charge-off, whereby a creditor states that debt is unlikely to be collected which can be resulted in a negative mark on credit score.

On the other hand, maintaining a spotless balance sheet could reward you positive interest rate cuts and other noted profits. Meeting payments on time and monitoring overspending will maintain the score in a good shape.

How to Spend Avios Points – Easy Guide to Redeem

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Flights, hotels, upgrades, travel experiences, and car hire: there are hundreds of ways to redeem points. Do you have Credit Card & Earning Rewards? If not, You can apply to get the best of the best Avios credit card to get all features.

Use Avios to Book Flights

Thousands of offers available every day to book flights with British Airways, Aer Lingus, or Iberia. There are so many choices, depending on where and when you want to travel. 8,000 Avios points can get you a return flight to Paris by Aer Lingus.

For 17,000, you will have a return flight to the Canary Islands and if you will save 26,000 points, you can have a return flight to New York.

Wisely spend to book flights that cost only 4.5k with flight fees. Use Avios points to intend yourself at the destination under the Avios Travel Reward Programme.

Invest your 13k Avios points to fly from Eastern U.S airports and remember this flight would be one-way.

British Airways Distance-Based Award Chart

Use Avios to Book Hotels

Book over 100,000 hotels around the world; you can book any hotel from boutique independent hotels to major chains. Every hotel has its own redemption chart. So, it’s important to know which hotel has easy earning of Avios points and which hotel is not flexible to earn.

Some hotels in North America offers reward nights, starting from 5k points per night and also there are some hotels which offer each reward night starting from 30k rewards and 2 free nights at any hotel in a year.

To spend wisely first you will have to clear that which hotel reward points you will begin with. And this clearance should always be considered before travelling, look at which hotel your credit card earn bounces.

Earning through Dining is also a big deal. You can also earn and spend your Avios points while Dining with your partner. Don’t need to ask the waitress or waiter just to use your Avios Credit card to pay the restaurant bill and earn more points and rewards.

One Way Flights Between Huawei to The US

12,500 points are large enough to take a one-way flight from Huawei to America and save your cash to buy expensive tickets from the USA. Many International airways including Alaska and America airlines allows turning redeemed points to top class flights that is the greatest way when having no cash to fly.

Use Avios to Hire a Car

You can use to pay for quality car hire from international airports worldwide and can make payment by your card that will save your money for the off-the-beaten tracks you’ll discover.

In UK generally come up with very expensive car rentals. You can pay an extra sum to get rid of it. The only and affordable option is to use your Avios points to manage policy. It would cover your total balance within 56 days for rentals each year, annually it costs 1000 Avios points.

For example: if you pay £60, you’ll get 300 Avios points (0.58p per Avios points). This option is helpful only when you are Avios rich and a cash-poor person. And it is really better than buying from a rental company.

Use Avios Points in Flight Insurance

Flight insurance means to secure your flight. To ensure your flight you will have to pay some charges ranging from £0 £to 150 that will give you huge benefits. It will provide you with 24-hour emergency protection and assistance if needed.

It also insured your children under 4 without any hidden costs. They can be used to cover up multiple worldwide trips up to the maximum age of 74.

Redeem on Worldwide Activities & Experiences

Take a world tour and can experience everything from whale watching to the Great Wall of China. Check flight map and start exploring the world. You can Spend 1 Avios point to get 0.5% back if going with reward flights. With millions of offers every day, there are billion of places around the world to use Avios.

Use Avios to Upgrade Flight

Travel in style by using points to upgrade tickets from economy to business class which will give you a fully lie-flat seat and comfortable dining. The required amount of Avios to upgrade your ticket varies by date of travel and route.

Santander Credit Card Activation Full Guide – Step to Step

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Santander is UK based bank offering accounts, credit & debit cards, insurance, loan, mortgage, and investment opportunities. It provides a vast range of credit cards which include: Everyday Credit Card, All in one, World Elite, and Zero Credit Card.

Each of the card has different benefits to consumer & £0-£15 monthly fee.

Before you Apply

Say no to Interest

I or you or even any multi-millionaire in the world will not be willing to pay extra than consumed amounts. Bank Cards give short-term loans for a limited period. Yes, it is both with zero interest & high interest. It totally depends upon your payment decisions.

If you pay your credit card bill within 56 days of purchase, you are free to pay only consumed amount but you will be charged interest on a daily basis after the 57th day. Do it before time to build your better credit score.

Although, there is no interest-free period on balance transfer & ATM cash withdrawal transactions. Paying full credit on time can save you from extra overload.

Santander Charges for Using Abroad

Credit Card

Non-sterling Fee

for purchases

Non-sterling

Fee for cash withdrawals		Cash
withdrawal
Fee
All in One0%0%3%
(min £3)
Everyday2.95%2.95%3%
(min £3)
Zero0%0%0%
World Elite
Mastercard®		0%0%3%
(min £3)
123
(no longer
on sale)		0%0%3%
(min £3)
All other
Cards		 2.95% 2.95%3%
(min £3)

Late Payment Charges

Bank charges are £12 flat on late payment. You are free to pay the minimum payment mentioned in your card bill. You can pay using the phone, post, online banking, and through branch and direct debit option

Auto Payments

It can take credit card bill payment automatically from your account with Santander group.

Steps to activate Santander Card

activate santander card

Activate Card by Call

Simply Dial 0800 9 123 123

Activate with Online Login

Online Banking is valid across your current accounts, savings, credit cards, Flexible Offset Mortgages, and Cash ISAs. You can Log on any time to:

  • Make payments
  • Check balances
  • Set up free email and text alerts
  • Manage your savings
  • Ask questions
  • Change your personal details
  • Sign up for Retailer Offers and additional services
  • Switch off paper statements for current accounts, for savings and credit cards

Manage your Credit Card with Online Banking and take care by screening transactions and statements, check your card details, make balance transfers, and handle direct debits.

To apply for a credit card, for example, we are applying for the Santander Ultimate cash back credit card:

  • Go to Login page, create your account
  • In the upper portion of the website there are some options, click the ‘Personal’ one.
  • There will be a section called ‘credit cards’, after moving your cursor to it, you will be greeted with the three credit card options; click the one you want to apply for ( in this case Santander Ultimate cash)
  • After clicking ‘Apply’ there will be two boxes to fill: State and Zip code
  • Then fill in your personal information like:
    • -First & Last Name
    • -Date of Birth
    • -Registered with bank Phone number/Mobile number
    • -Email address
    • -Permanent address
    • -PIN (TPIN/Online Authentication PIN received on your phone)
    • -SSN (Social Security Number)
    • -Bank account number
    • -The user name you want to set
    • -Income/expenses.
  • Before submitting, agree with the terms and conditions; then submit your application and wait for the evaluation.
  • Once after signup with the bank, you will receive an email & telephone call/SMS by the bank to confirm your signup. After signup, simply Login

If you are a current, savings account or credit card holder,  you need your

  • Mobile phone and
  • Debit or credit card or banking account number and
  • Sort code

If you don’t have the above, call on Santander contact number 0800 9 123 123. If you have Business Banking accounts, call on 0800 731 6666 to sign up.

If you have a Santander mortgage but don’t have a savings account, current account or credit card, then you need to take a few steps to manage your mortgage online account. You need to follow the following steps:

  • Enter your personal information
  • Contact details
  • Then enter Mortgage Account number

How to Sign Up for Online Banking

These services are thoroughly important and recommended for further comfort. You can get to transfer money, view various statements/transactions, and stay updated on bills and numerous other features.

When your application gets selected and you get your credit card, sign up for the services:

  • Go onto their UK website and click Log on
  • Below there will be an option for ‘Sign up’, go there
  • There will be some requirements mentioned regarding debit/credit card numbers etc, after sorting them out go onto the ‘Continue’ option
  • Then start filling out the information as it goes along.
  • They require your personal details as always; make sure to write the correct information especially regarding numbers.

Best Personal Loan in Malaysia – How to Apply – Top 6 Banks

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Getting a personal loan in Malaysia is easy because many banks are offering personal loans in Malaysia. If you have a stable job, you can apply for a personal loan which is a temporary solution for your money problem but more or less it is a solution.

There are many banks that are offering personal loan banking services for people in Malaysia at low interest rates. The interest rate depends upon your job status if you are employed privately you will have to pay the low interest rate and if you are a government servant you will have to pay more interest rates.

There is a number of reasons why people are hesitant in acquiring loans and the main reason is that they don’t like paying high-interest rates with loans. We have listed tips and advice at the end of this article which is going to help you in the process of getting your personal loan.

Getting a Personal Loan in Malaysia

Acquiring a personal loan in Malaysia takes 48 hrs because many banks are offering personal loans in Malaysia. Consider you want to borrow 30,000 Malaysian ringgits for 3 years. You have a monthly salary of 5000 RM. If you are privately employed you will have to pay 983 RM per month with an interest rate of 5.99%.

For government servants, they will have to pay 1133 RM per month with an interest rate of 12.00%. Interest rates also depend on the rapidly changing market and the production of the country.

Apply Personal Loan in Malaysia

When applying for a personal loan you will be asked some questions and you need to answer them correctly. If you want to secure your personal loan.

The personal loan approval procedure is given below:

Getting a Conventional loan in Malaysia

Firstly, you will be asked about some basic information like your Name, Email, Phone number, and monthly income when submitting your application through the internet. Secondly, you will be asked for an identification number (IC or Passport) and the name of the place where you live. Lastly, you will be asked about your current job status and your relationship with other banks, or the number of credit cards you have.

Once you have completed your application and successfully submitted it. The Bank will contact you to further process your application. Duration of loan approval is between 2 to 5 business days and loan tenure can be between 1 to 7 years. You can apply for a personal loan through many banks online.

Requirements for a Conventional Personal Loan

To get a conventional loan you need to fulfill the requirements. You must be at least 18 years old Malaysian resident. You need to have a minimum income as stated by the bank.

The minimum loan amount is 500RM or as stated by a bank and you need to pay stamp duty (0.5% of the loan amount) when acquiring a loan.

Penalties for non-payment of the Personal Loan

If you are unable to pay your conventional loan in 7 years, the bank will impose penalties on you. You will have to pay 1% p.a. on the outstanding loan amount.

Getting an Islamic Personal Loan in Malaysia

You can get an Islamic personal loan in Malaysia through many banks offering Islamic personal financing under shariah rules. The process of a loan is the same as the conventional loan but loan requirements are different. The basic requirements for Islamic loans are given below.

Requirements for an Islamic Personal Loan

Fulfilling requirements is a must to get an Islamic loan. You need to be at least 25 years old and must have a linked bank account. A minimum income of more than 4500RM is required or as stated by the bank. The minimum financing amount is 10,000 RM or (as stated by the bank) with a maximum tenure of 8 years.

Islamic Personal loan offers a fixed interest rate of 6.99% (as stated by the bank). Bank also encourages applicants to buy a Takaful product (Islamic Insurance) along with this. Stamp duty for this loan is the same as the conventional loan that is 0.5% of the loan.

Penalties

If you are unable to pay your debt in 8 years, the bank will impose penalties on you as per Shariah ruling.

Top 6 Malaysian Banks Offering Personal Loans

There are many banks offering a variety of personal loans in Malaysia. We have listed six banks offering low interest rates as compared to other banks.

BANKS Loan PackageFinance ValueFinancing PeriodIncomeProfit Rates
Alliance BankCash Vantage Personal Financing IRM5000 – RM15000012 to 84 monthsmin. RM360003.99 – 14.78% p.a.
UKHWAHPersonal Loan Package Cash IRM2000 – RM20000024 to 120 monthsmin. RM15004.3 – 4.99% p.a.
CitibankPersonal LoanRM5000 – RM15000024 to 60 monthsmin. RM480005.88% p.a.
Al Rajhi BankPersonal Financing-IRM10000-RM15000024 to 96 monthsmin. RM600006.99% p.a.
Standard CharteredCashOneRM3000 – RM25000012 to 60 monthsmin. RM360006.99% p.a.
Alliance BankCash First Personal LoanRM5000 – RM15000012 to 84 monthsmin. RM360003.99 – 14.78% p.a.

Loan Interest rate can change from time to time depending on market and the value of ringgit.

You can visit the bank’s websites for more information but we have listed basic information about the personal loan packages right here.

When Applying for a Personal loan remember these tips

There are many things you need to take care of when applying for a personal loan, few of them are given below:

  1. Don’t acquire a loan until you have a plan for returning it.
  2. Limit loan funds usage to yourself.
  3. Consider visiting a bank for Personal Loan never give personal information on unofficial websites.
  4. Educate yourself about it and different products offered by banks.
  5. Never take the decision without calculating risk.
  6. Never apply for a loan with high-Interest rates.
  7. After acquiring Personal loan always set aside money on monthly basis to repay your debts.
  8. Always consider the loan as your last option.

Conclusion

Getting a personal loan in Malaysia is easy but it is way harder to pay it back with interest. So, I want to encourage you to start saving money for harsh times. In every difficult situation loan should be your last option because after spending borrowed money your life is not going to become easy, it will become harder. I hope this information will help you on your journey of getting a personal loan.

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 insurance. 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 face many risks in every field of life. They wouldn’t estimate first how much loss they faced. Particularly ups and downs are 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.

The Premium amount will be charged yearly, and quarterly. Premium is income for an insurance company once 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, and 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 of 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.
  • Any unforeseen event like an illness, injury, permanent disability, or uncertain death, can leave your family facing financial stress. So Insurance reduces your financial stress and you can focus on other circumstances of life.
  • Medical insurance gives you medical support in case of uncertain illness and you are unable to bear your medical expenses, the insured gets the medical support in 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 are 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 premiums or which type of insurance you have. Insurance help policyholder in every aspect of the type of insurance.

Few types in the 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.

The term of a 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 coverage 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 damaged 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 insurance.

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 the 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 InsuranceCons of Insurance
ProtectionLengthy
SecurityHigh Premium
SavingsCrime Supportive
 Few Facilities

Advantages of Insurance Policy

Protect your Family When you are 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: An 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 give 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 the family members 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 the 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 ones will have some financial protection after any loss or death. Insurance helps the industrial growth of the country. It also gives you saving encouragement. It is the best way to generate financial resources.

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?

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 them at various outlets, airports, hotels, and shopping stores.

Choose the 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 a 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 sign, you shall be given the opportunity to earn points that you can redeem. These earnings will be credited to your account or your British Airways Executive Club account

Many of us have more than 1 credit card in our pocket and use them randomly. The best & most used earning strategy is to use a card that gives 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 of using your debit card to get rid of monthly credit card bills, do not do it. Debit cards won’t give you a return. Swap your credit card and pay your bills instantly.

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

Shop Online with Avios E-Store

Buying from a random eCommerce store is not a good choice when you have Avios E-Store. With Avios E-Store, your Avios points are 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 out 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 a few clicks online, transfer your other credit card rewards points into Avios. This way your hotel points, and 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 £ spent.

Here is a list of a few HOT Avios Offers

Get 12 for £1

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

Get 20 for £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 for £1

  • Toms UK
  • The Royal Mint
  • 24 Severs

Get 18 for £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.