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Airlines and rewards

Read answers to frequently asked questions, including how to earn and redeem rewards or cash back.

Can you provide more information about earning rewards (Reward Points, cash back or airmiles)?

Rewards may be earned on card purchases, which means purchases of goods made using your Rewards credit card or credit card number. 

Occasionally you might be given the chance to earn bonus rewards - we'll tell you when any promotional offers apply.

Important: unless otherwise specified, you won’t earn rewards on cash advances, money transfers, balance transfers, cash substitute transactions such as non-sterling currency, casino and gambling type transactions, finance charges, default charges, interest, payment protection insurance premiums, fees (including non-sterling transaction fees, card fees and handling fees) and unauthorised or fraudulent transactions.

Your rewards balance is shown on your monthly statement. The amount of rewards you've earned will only show on your credit card statement if you've made qualifying transactions since your previous statement.

You won't earn points if you don't comply with the terms of your credit card agreement.

If you return something you've bought and receive a refund, the rewards you earned will be deducted from your rewards balance. 

If you have more than one rewards credit card you will have a separate rewards balance for each, which cannot be combined.

To ensure you fully understand how your rewards or cash back programme works, please check your Programme Rules.

For more information about the rewards provided by the airline, please refer to the terms and conditions of the airline's rewards programme.

How do I redeem my rewards (Reward Points, cash back or airmiles)?

How to redeem MBNA Reward Points
You can redeem your Reward Points for a fantastic range of rewards, such as household items, gadgets or even leisure vouchers to put towards a trip away. You can also donate your Reward Points to charity and we'll match your contribution. Charities you can choose include Breast Cancer Now, British Heart Foundation, WWF and UNICEF.

You can browse by category, or enter a keyword into the search box if you know roughly what you'd like. Use the shopping basket to add or remove individual items, then follow the simple instructions to 'checkout'.

Check your Reward Points balance to find out how many you have available to redeem:

  • Log in or register for Online Card Services.
  • See your 'Rewards' balance on the 'Your Account' page.
  • Select 'Redeem your points'.

When redeeming Reward Points, you have the option to contribute towards higher value items or pay the difference using your rewards credit card (this doesn't include cash items, shopping vouchers and football club experiences/merchandise). 

How much are Reward Points worth and how long are they valid for? 
The redemption value of your Reward Points will vary based on your choice of redemption items. Bear in mind that it's sometimes necessary to vary the level of points needed to redeem against certain items. You can check the actual level of points when you come to redeem. The points value of all items featured on the rewards website includes a delivery charge.

The length of time rewards are valid for will depend on the rewards programme you are on. If unused, Reward Points will expire after a set period (check your rewards programme rules for details). MBNA Reward Points expire 36 months after they have been earned. 

Who can redeem?
Anyone with access to your credit card account can redeem your Reward Points. That includes any additional cardholders you've added to your credit card account. Points cannot be transferred from one account to another. 

How to redeem cash back
Cash back will be paid directly to your MBNA credit card account once a year, in accordance with the programme rules. 

How to redeem your airmiles
Please take a look at the airline's frequent flier programme to redeem airmiles.

Where can I find my rewards, cash back or airmiles balance?

Your rewards, cash back or airmiles balance is shown on your monthly statement. 

If you have a Reward Points programme:

  • Log in or register for Online Card Services.
  • See your 'Rewards' balance on the 'Your Account' page.
  • Select 'Redeem your points'.

Alternatively, you can find out your Reward Points balance using Mobile Text Services. Providing we have your mobile number on record, text REWARDS to 83838 or 07860 010010 and we'll send you a reply including your Reward Points balance. Standard network charges may apply.

If you have an airline miles programme:
The miles you've earned are shown on your monthly credit card statement. Miles will be transferred and held in your travel partner account usually within 10 days of the date the statement was produced. You'll also receive a separate statement from your travel partner showing the miles you've earned to date.  

Where can I see my airline miles balance, and how do I redeem?

Your airmiles are shown on both your monthly credit card statement, and a separate statement from the airline your card is connected to.

Expiry dates vary depending on the airline, so you'll need to check your terms and conditions. Remember, you only earn points when you spend, they don't apply to money or balance transfers. 

To redeem airmiles and check the small print, follow one of the links below:
United Airlines 
Virgin Flying Club
American Airlines Aadvantage 
Etihad
Emirates 
Miles & More 

I have two cards in my name on a single account - do I have to activate both cards?

No, you'll only need to activate one of your new credit cards and both will be ready to use.  

You'll find activation instructions on the sticker attached to your card when it arrives.  

If you're an existing customer: 

  • Log in or register for Online Card Services.
  • Select 'Activate your cards' from the 'Cards overview' page.

You can also manage your account securely and at your convenience once you're online.  

If you're a new customer, you'll need to register for Online Card Services before you activate your card - to get started, you'll need one of your new cards and the welcome letter which you received with your cards.

How long are airline miles valid for?

Airmiles expire at different times, depending on the airline. You'll find more specific details in your rewards terms and conditions, or you can use the contact details below:

United Airlines Mileage Plus
unitedairlines.co.uk

Miles & More
miles-and-more.com
0371 945 9737

Virgin Flying Club
virginatlantic.com/gb/en/flying-club.html
0344 412 2414

American Airlines AAdvantage
americanairlines.co.uk
0207 660 2300

Etihad
etihadguest.com
0345 608 1225

Emirates
emirates.com
0344 800 2777

How do I earn miles on my airline credit card?

For every £1 you spend using your airline credit card you'll earn airline miles. Occasionally you might be given the chance to earn bonus miles - we'll tell you when any promotional offers apply. 

If you return something you've bought and receive a refund, the airline miles you earned will be deducted from your miles balance. 

Important: unless otherwise specified, you won't earn miles on balance transfers, money transfers, interest or account fees charged to your account, cash advances, or for gambling transactions. 

For full details about the rewards provided by the airline, please refer to the terms and conditions of the airline's rewards programme.

I have two cards in my name on a single account - why have I received two PIN letters?

A PIN is issued for each individual credit card. However, if you've got two cards in your name on a single account, you'll notice that the PIN issued is the same for both cards.  

You can change the PIN for either or both of your credit cards at any compatible cash machine; just insert your cards individually and follow the on-screen instructions.  

The PIN you choose can be different for each card, so you'll need to change the PIN on each card individually. Here are some tips: 

  • Avoid using numbers which could be easily guessed.
  • Choose a number you'll remember, but avoid obvious things like your date of birth or phone number.
  • For security, we recommend having a different PIN for each card.

If you're sent replacement credit cards for any reason, you won't be sent new PINs - they'll stay the same as they were for each of your old cards. 

Can you tell me more about my intu card?

The intu Credit Card product page has all the latest offers and most up-to-date information about earning Rewards.

How do I enter the intu Credit Card quarterly prize draw?

You can find entry details (and those important terms and conditions) on the intu prize draw page.

Will I earn airmiles when making a transfer?

No, unless otherwise specified, you won't earn airmiles on balance transfers or money transfers.

I have two cards in my name on a single account - can I still have an additional cardholder?

You can add up to 3 additional cardholders to any individual account. Additional cardholders must be over 18, live at the same address as you, and have a close family relationship (such as spouse, child, parent, sibling or domestic partner).

To add an additional cardholder:

  • Log in or register for Online Card Services.
  • Choose 'Manage Account'.
  • Select 'Add a Cardholder' - you'll find instructions here to help you. 

Important
All credit card transactions made by additional cardholders will be the responsibility of the main cardholder to repay.  

Please note additional cardholder(s) will have access to your account information and online account (including transaction details).

I have a query about an item I have ordered using my Reward Points, can you help?

To return an item that is faulty, or to cancel an order, you'll need to send us a message. To do this log in or register for Online Card Services, select 'Redeem your points' from the 'Your Account' page. Then from the Rewards page, choose 'Contact us' from the menu at the top of the page. 

To compose your message select 'email us', choose 'Returns query' as the subject. Type in your message (including the order reference if you have it) before selecting 'Submit details'.

If you’ve not received your rewards item, please allow up to 28 days for your item to be delivered. If it’s still not with you by then, please contact us by following the steps outlined above.

If you’ve redeemed your Reward Points for cash back, it will be credited to your credit card account within 28 days of the redemption.

In all cases, please make sure your contact details are correct so we can get in touch - we'll respond within 5 business days. Remember to check your spam/junk folder in case the email has been filtered there.

What's the benefit of having two cards on an MBNA More Rewards Credit Card Account?

Where a retailer doesn't accept American Express, you can pay with your Visa card instead. Both cards are linked to the same account.

I have two cards in my name on a single account, do I have to register for Online Card Services twice?

No, as both cards are linked to a single account, you'll only need to register for Online Card Services once to manage your account online.

If you're already registered for Online Card Services, log in and  select 'Add Card' from the 'Cards Overview' page to add your new account to your existing profile.

If I use my Reward Points to get shopping vouchers, when will they expire?

It really depends on the retailer you've chosen - some shopping vouchers may have an expiration date. Please check your vouchers as soon as you receive them and make sure you use them before they expire.

Will my Reward Points expire?

Yes, Reward Points expire 36 months after they have been earned.

Airmiles may expire; please refer to the airline's rewards programme.

I have two cards in my name on a single account, how is this different to an account with one card?

The short answer is that it isn't too different at all - although you've got two cards, you'll still enjoy the convenience of one account, including having one: 

  • PIN.
  • Monthly statement and payment.
  • Rewards balance.
  • Credit limit.
  • Log in username and password.

Your account benefits, interest rates and fees are also the same.  

You'll notice: 

  • Each card has a different number on it, but is still linked to a single account.
  • The expiry date is the same on each card.

Will I make a contribution to charity when making a transfer?

No, unless otherwise specified, you won't make contributions to charity on balance transfers or money transfers.

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