PROGRAM CARD - RevPoints

Program name: RevPoints
Distinction: loyalty points instead of a credit card
Brand / operator: Revolut
Family / owner: Revolut Group (Revolut Ltd, Revolut Bank UK Ltd)
Industry: finance, payments and coalition programs
Industry benchmark: no
Market: pan-EU (and globally in all countries where Revolut offers personal accounts)
Related programs: none (RevPoints is a single global program, with the earning rate varying by plan)
Status: active
Legal / temporal status: no restrictions; last major terms update: 13 March 2026 (changes to sections 3, 4 and 6 effective from 13 April 2026)
Launch year: 2024
Main type: points-based
Secondary type: member-benefit (earning rate dependent on the paid Revolut plan)
Cost to join: free (activation in the app; higher earning rates only on the paid Premium, Metal, Ultra plans)
Channels: Revolut mobile app
Reach: no public data

Comparative parameters (estimated ratings)

Implementation difficulty (1-5): 3
Main KPI (impact strength): purchase frequency (medium)

Descriptive sections

0. Summary

RevPoints is Revolut's loyalty program in which users collect points for spending with a Revolut card and then redeem them for airline miles with more than 30 airline partners or for discounts on hotels and experiences. Unlike traditional credit-card reward programs, RevPoints is available to every Revolut personal account holder.

1. Objectives and context

The program aims to increase the frequency of using the Revolut card as the primary payment instrument, strengthen customer retention on paid plans (Premium/Metal/Ultra), and differentiate Revolut's offering from classic neobanks that lack a loyalty currency.

2. Target group

Revolut personal account users active in Europe and globally - especially customers on the paid Premium, Metal and Ultra plans looking for travel benefits and an alternative to credit cards with miles programs.

3. Architecture and type

Registration: activating RevPoints in the Revolut app (one-time, free); the program runs automatically after activation.
Earning: for every purchase made with a Revolut card (excluding cash-like transactions, cryptocurrencies and transfers), a pool of points is awarded at a rate depending on the plan - Standard/Plus: 1 pt per £10, Premium: 1 pt per £4, Metal: 1 pt per £2, Ultra: 1 pt per £1; points can also be bought or accrued by rounding up transactions (SpareChange).
Redemption (burn): points are transferred to airline programs at a 1:1 ratio (1 RevPoint = 1 mile), redeemed for hotel discounts (Revolut Stays) or for experiences - all within the app; points can also be given to other Revolut users.

4. Earn & burn mechanics

Earning: 1 pt per £10 (Standard/Plus) · 1 pt per £4 (Premium) · 1 pt per £2 (Metal) · 1 pt per £1 (Ultra); Revolut card transactions for purchases of goods/services (per the terms: rates may change without notice, with details always visible in the app)
Threshold and redemption: no minimum redemption threshold stated in the terms; airline transfer rate: 1 RevPoint = 1 mile; rates for other redemption activities visible in the app
Reward forms: airline miles (transfer to 30+ partner programs including British Airways Avios, Flying Blue, Qatar Privilege Club, Finnair Plus, SAS EuroBonus, Etihad Guest, Turkish Airlines Miles&Smiles) · hotel discounts (Revolut Stays) · lifestyle experiences · gifting points to another Revolut user
Point expiry: 3 years from the date earned; after this they are permanently forfeited with no possibility of refund (per the terms)

5. Emotional value

RevPoints positions itself as a democratic alternative to credit-card points - available without creditworthiness and without an annual card fee. The brand's messaging emphasizes the freedom to travel and the simplicity of managing rewards in a single app.

6. Gamification

Earn-rate progression: a clear incentive to move to a higher plan (Standard → Plus → Premium → Metal → Ultra) as a mechanism of upselling through loyalty.
SpareChange: micro-saving that rounds up transactions into points - a habit that engages the user daily.
Balance transparency: the current point balance and expiry dates are visible in real time in the app.
Social transfer: the ability to send points to another Revolut user reinforces the network effect.

7. Differentiation

RevPoints stands out for not requiring a credit card and for its integration with a broad network of more than 30 airline programs at a 1:1 transfer rate. For Ultra customers, the rate of 1 pt/£1 spent matches or exceeds many traditional rewards cards. The program operates globally within a single app that combines banking, currency exchange and the loyalty program.

8. Data and personalization

Data scope: card transaction history, user data, Revolut Stays booking data.
Consents: pseudonymized data shared with partners (e.g. airlines when transferring miles) only to the extent necessary to complete redemption; analytical data for partners on the basis of Revolut's legitimate interest.
Personalization: RevPoints offers tailored based on the transaction profile; details described in Revolut's product-level Privacy Notice (outside the RevPoints terms).

9. Technology

The Revolut mobile app (iOS/Android) as the sole channel for managing points, activation, earning and burning.
Platform: Revolut's own infrastructure; API integrations with airline partners for mile transfers.
Integrations: airline loyalty programs (British Airways, Air France/KLM, Qatar Airways, Finnair, SAS and others), Revolut Stays (hotels), Revolut Shops (online shopping with bonus points).

10. Communication and lifecycle

Communication channels: in-app push notifications, email.
Onboarding: one-time activation of RevPoints in the app; a message about the current point balance and redemption options is presented after activation.
Retention/reactivation: the terms provide for 14-day notice of changes to activities; the user is informed of upcoming point expiry through the app; the option to buy points prevents loss of the balance.

11. Conclusion / inspiration for the almanac

RevPoints shows that a neobank can effectively build loyalty through a points currency without a credit card - the key is linking the earning rate to the subscription plan, which simultaneously drives upsell and differentiates the program's value at every price tier.

Sources: Revolut Legal - RevPoints Terms (revolut.com/legal/RevPoints/, as of 13.03.2026); Revolut Help Centre - RevPoints FAQ (help.revolut.com); Revolut News - press release on the launch of RevPoints; Wise Blog - RevPoints review; Turning Left for Less - updates on transfer partners (2025)
Terms (link): https://www.revolut.com/legal/RevPoints/
Entry compiled on: 2026-06-30

RevPoints