Revolut card Ultra plan

[quokka77]

Insurance is run by Chubb. Looks like a moderately stripped back version of Amex Platinum Charge, if you have that (ie significantly inferior, but much better than nothing).

 

[SCM]

I think they really need to step it up - especially after other CCs have screwed up their insurance products, this is a very good and clear opportunity for revolut - plus, paying $100/m and not having the best insurance is diabolical.

 

[quokka77]

1000 per annum is v expensive, but Platinum Charge is even more expensive at 1450, so i guess one can understand it might not be as good.

 

[FFdan]

Booking Emirates flights? You can now get 10 RevPoints per dollar (on Ultra) when using Revolut Shops.

 

[Fil-Ski]

Anyone manage to get the card? I applied and got knocked back. I've never been knocked back for a card before

 

[asterix]

Anyone manage to get the card? I applied and got knocked back. I've never been knocked back for a card before

I've had the Metal Revolut card for nearly two months now.

 

[Viridis]

Anyone manage to get the card? I applied and got knocked back. I've never been knocked back for a card before

Interesting. I’ve got the credit card. I’m on the Ultra Plan

My wife applied. She’s on the basic plan. She got rejected. She’s got a credit rating in the ‘excellent’ band and also never been knocked back before

 

[ltwo]

I've had the Metal Revolut card for nearly two months now.

Tell us more about your experience, use cases, perks etc.

 

[asterix]

Tell us more about your experience, use cases, perks etc.

I don't use it for paying insurance or school fees as the small transactions I've tried have earned no points. I use it for paying most of bills etc since I'm after the Avios points which are 1ppd compared to the AMEX Platinum which is 0.75ppd. I like that the points get credited instantly rather than having to wait for the transaction to clear or in the case of HSBC waiting until the statement comes out.

 

[ltwo]

I don't use it for paying insurance or school fees as the small transactions I've tried have earned no points. I use it for paying most of bills etc since I'm after the Avios points which are 1ppd compared to the AMEX Platinum which is 0.75ppd. I like that the points get credited instantly rather than having to wait for the transaction to clear or in the case of HSBC waiting until the statement comes out.

interesting that insurance and even school fees earn no points!

 

[Viridis]

interesting that insurance and even school fees earn no points!

It’s in the T&S

Parking doesn’t earn either

Excluded transaction types include the following:

payments of rent, real estate management fees, utilities (including electricity and water) and in relation to insurance;

donations and payments to charitable, religious, political and governmental organisations;

purchases of cigars, cigarettes and similar products;

payments for parking and logistics;

school or educational fees;

postal and procurement service payments;

cleaning and maintenance services;

lottery or gambling purchases;

bank charges, tax payments or payments in relation to legal proceedings or fines; and payments relating to other financial services and investments.

 

[asterix]

I got no points and charged interest for a cash advance for a gift card purchase I did through giftz.com.au (it is because the gift card was billed directly by Blackhawk Network, no cash advance fee when I've bought the same gift cards with AMEX or HSBC though). The other gift card providers have earned points and not had any cash advance interest so far.

 

[kkl]

How fast do the points get posted into the account?

 

[asterix]

How fast do the points get posted into the account?

Instantly

 

[aspro2]

Doing some forward planning for next-card options after the Collapse of Earn (1 Oct). As I understand it, Sniip is currently working but other platforms (pay.com.au etc) not (or untested?).

Obviously Metal and Ultra are the only cards worth considering in the AFF context, but Ultra is not worth it ongoing unless you are using its features a lot, so I'm wondering:

• If you've held the Metal for a few months and then want to "enhance" to Ultra for a few weeks of travel (one subscription month, if timed right) and then "(QF-meaning-enhance" down to Metal again, is that possible? I can't work it out from available terms.
• Was the application process for the credit card different/easier/harder from what we're used to from existing banks?

 

[asterix]

Doing some forward planning for next-card options after the Collapse of Earn (1 Oct). As I understand it, Sniip is currently working but other platforms (pay.com.au etc) not (or untested?).

Obviously Metal and Ultra are the only cards worth considering in the AFF context, but Ultra is not worth it ongoing unless you are using its features a lot, so I'm wondering:

• If you've held the Metal for a few months and then want to "enhance" to Ultra for a few weeks of travel (one subscription month, if timed right) and then "(QF-meaning-enhance" down to Metal again, is that possible? I can't work it out from available terms.
• Was the application process for the credit card different/easier/harder from what we're used to from existing banks?

I paid for the year as it was cheaper than 12 x monthly fee. Application process was no different to applying with another bank I found.

 

[Rizz]

Doing some forward planning for next-card options after the Collapse of Earn (1 Oct). As I understand it, Sniip is currently working but other platforms (pay.com.au etc) not (or untested?).

Obviously Metal and Ultra are the only cards worth considering in the AFF context, but Ultra is not worth it ongoing unless you are using its features a lot, so I'm wondering:

• If you've held the Metal for a few months and then want to "enhance" to Ultra for a few weeks of travel (one subscription month, if timed right) and then "(QF-meaning-enhance" down to Metal again, is that possible? I can't work it out from available terms.
• Was the application process for the credit card different/easier/harder from what we're used to from existing banks?

I have the Ultra plan with the credit card. I got the credit card a couple of months ago, and my experience with the application was very smooth, it only took a few days. I only had to provide my last three payslips.
My understanding is that the credit card is separate from the Metal or Ultra plan. You can upgrade or downgrade between the Metal and Ultra plans while keeping the credit card with its own credit limit. The number of points you earn is based on the plan you are on.

For me, it’s working really well, as I’m getting 1.3 Avios for every dollar I spend on the credit card.