Virgin Atlantic White Credit Card Account

Flying Club Reward Programme^{footnote a}

• 3,000 bonus Flying Club miles
when you make a card purchase within the first 90 days^{footnote a}.

• Earn 1 Flying Club mile for every £1 spent on card purchases with your Virgin Atlantic White American Express^® Credit Card from MBNA, and 1 Flying Club mile for every £2 spent on Virgin Atlantic White Visa Credit Card purchases^{footnote a}.

Representative example:
17.9% p.a. (variable) on card purchases. This is equivalent to 17.9% APR representative (variable) based on a credit limit of £1200.

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^a Full details of the reward programme will be sent to you once your account is opened.
^b Terms & conditions apply to all insurances. Full details will be sent once your account is opened.

Earning Flying Club miles
Every £1 you spend on the Virgin Atlantic White American Express^® Credit Card and the Virgin Atlantic White Visa Credit Card earns you Flying Club miles that you can redeem on a huge range of fabulous rewards. Cash transactions, money transfers, and balances you transfer to MBNA Europe Bank Limited do not earn Flying Club miles. You will earn 1 Flying Club mile for every £1 you spend on the Virgin Atlantic White American Express^® Credit Card and 1 Flying Club mile for every £2 you spend on the Virgin Atlantic White Visa Credit Card. Miles are earned for each whole pound spent on each transaction on your card. You will earn double your normal rate of miles on your Virgin Atlantic White White Credit Card when you spend direct with Virgin Atlantic and Virgin Holidays (and from time to time other partners), visit www.virginatlantic.com/creditcard for more information. Your personal information will be processed by Virgin Money Limited for the purpose of administering the Flying Club miles earned through your Virgin Atlantic White Credit Card.

The number of Flying Club miles earned each month from credit card spend will be displayed on your monthly credit card statement, and will then be added to your Flying Club account within 30 days of the statement date. Please note, it is not possible to allocate Flying Club miles to your account before they have appeared on your statement. Where a refund is made on your card, your Flying Club miles total will be adjusted accordingly. Should you decide to cancel your Virgin Atlantic White Credit Card Account before the production of your next statement, then any miles you have earned during the current statement period will be lost. Cardmembers miles can be suspended or cancelled if you do not keep your account in good standing.

If you have not provided MBNA with a valid Flying Club membership number at the point your statement is generated, Virgin Atlantic will not be able to allocate Flying Club miles to your account. Please note the Flying Club membership number you give us must be for a Flying Club account in your name. If you have any additional cardmembers on your card account, any Flying Club miles they earn by spending on their card will also be credited to your Flying Club account. Your personal information will be processed by Virgin Money Limited for the purpose of administering the Flying Club miles earned through your Virgin Atlantic White Credit Card Account. Your card cannot be used within the Virgin Card Members Shop, and no cash alternative is available.

Bonus Flying Club miles
You will earn 3,000 Flying Club miles if you make your first card purchase using your Virgin Atlantic White Credit Card Account within 90 days of your account being opened. The Flying Club miles will be credited to your Flying Club account within 30 days of your statement date. If you have not provided MBNA with a valid Flying Club membership number at the point your statement is generated, Virgin Atlantic will not be able to allocate Flying Club miles to your account.

Complimentary companion reward flight
Spend £15,000 on card purchases on the Virgin Atlantic White American Express^® Credit Card by the end of any card account year and you will be eligible to receive a complimentary companion return flight reward the next time you book a qualifying flight with Virgin Atlantic. The main cardmember can only earn one companion return flight reward per card account in any one year. A companion reward is valid for 12 months from the date it is added to your Flying Club account. Card purchases exclude cash transactions, money transfers and balance transfers. A card account year is defined by the 12 month period starting from the date your Virgin Atlantic White Credit Card account was opened. MBNA will notify Virgin Atlantic of your eligibility within 30 days of you becoming eligible. The reward will be added to your account within a week of Virgin Atlantic being advised by MBNA. The member and companion must travel with Virgin Atlantic, on the same flight and date, be in the same cabin class, and the Flying Club member's ticket must be purchased at a qualifying adult fare (see Table 1 below). Cardmembers must pay related taxes, fees and charges relating to the complimentary companion return flight reward. These will vary according to the destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Companion rewards are not valid for flights purchased through Virgin Holidays, Virgin Atlantic Vacations, Virgin Values or any other tour operator. Other exemptions include flights purchased at promotional rates, group fares or other selected discount levels. All Virgin Atlantic reward seat travel is strictly subject to availability. The number of redemption seats available on each flight is restricted and it is possible that the seats allocated on a particular flight may be fully booked, even though seats are still available in other booking classes. Some flights may have no availability on certain routes, and popular dates will fill quickly (i.e. weekends, school holidays and public holidays) and Virgin Atlantic cannot guarantee availability. More seats for a particular flight may become available closer to departure. Information online regarding our latest redemption seat availability is a guide only and is correct at time of publication. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply, please visit www.virginatlantic.com/companionticket/tsandcs. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number. For bookings please contact the Flying Club Helpline on 08444 122 414.

TABLE 1: QUALIFYING FARE CLASSES FOR COMPLIMENTARY COMPANION REWARD FLIGHTS

Flying Club is operated by Virgin Atlantic Airways Limited. Registered office: Company Secretariat, The Office, Manor Royal, Crawley, West Sussex, RH10 9NU. Registered in England number 1600117. Full terms & conditions apply, please refer to www.virginatlantic.com

Premium Economy reward upgrade
Spend £10,000 on card purchases on the Virgin Atlantic White American Express^® Credit Card from MBNA within any card account year and you will receive a Premium Economy reward upgrade that, subject to availability, enables you to convert an Economy reward redemption (an Economy flight bought with your Flying Club miles) into a Premium Economy reward redemption on Virgin Atlantic. Plus, spend another £10,000 on the Virgin Atlantic White American Express^® Credit Card from MBNA in that year and receive another Premium Economy reward upgrade. The main cardmember can receive a maximum of two Premium Economy reward upgrades per card account in any one year. Premium Economy reward upgrades are valid for 12 months from the date they are added to your Flying Club account. Card purchases exclude cash transactions, money transfers and balance transfers. A card account year is each 12 month period starting on the date your Virgin Atlantic White Credit Card account was opened. MBNA will notify Virgin Atlantic of your eligibility for the upgrade within 30 days of the end of each card account year. The Premium Economy reward upgrade will be added to your Flying Club account within a week of MBNA notifying Virgin Atlantic. Cardmembers must pay related taxes, fees and charges relating to the complimentary Premium Economy reward upgrade. These will vary according to the destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Flights and routes are strictly subject to availability. Premium Economy upgrades are only available on seats projected not to sell to fare paying passengers (even if flights have unsold seats at the time of booking). This may mean upgrades are not available on popular routes. Premium Economy reward upgrades must be redeemed through the Flying Club Helpline prior to travel by calling 08444 122 414 and are not available through airport check-ins. Once you have redeemed your Premium Economy reward upgrade you may not use miles to upgrade to Upper Class. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number.

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Virgin Atlantic Airways Limited is an introducer appointed representative of Virgin Money Personal Financial Service Limited, Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ. Registered in England number 3072766.

The credit cards are issued by MBNA Europe Bank Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA's consumer credit activities are licensed by the Office of Fair Trading and MBNA's general insurance activities are authorised and regulated by the Financial Services Authority. American Express^® is a registered trademark of the American Express company. MBNA Europe Bank Limited issue the MBNA American Express^® Credit Card pursuant to a licence from American Express. Virgin Atlantic Airways Ltd trading as Virgin Atlantic is acting as a credit intermediary. Registered Office: Company Secretariat, The Office, Manor Royal, Crawley, West Sussex RH10 9NU. Registered in England number 1600117. In the UK, Virgin Atlantic only offer credit cards provided by MBNA Europe Bank Limited. Credit is available, subject to status, only to UK residents aged 18 or over. We will monitor or record some phone calls.