Revolut card Ultra plan

[aspro2]

Credit card application in limbo as Revolut would not budge without FY26 NOA. As a self employed - NOA are not finalised till end of this year at the earliest.

Even an accountant income verification letter would not suffice

Wow that seems particularly dumb (foreign assumptions in their policies perhaps?), given the deadline for any tax return for FY26 has not yet passed.

 

[Cynicor]

Heck my FY26 NOA won’t be out til May. Crazy.

 

[MG1]

Credit card application in limbo as Revolut would not budge without FY26 NOA. As a self employed - NOA are not finalised till end of this year at the earliest.

Even an accountant income verification letter would not suffice

Sadly, behaviour like this doesn't surprise me after my disappointing attempted application.

 

[MELso]

One of the few times being a wage slave to the man is an advantage it seems.

My Revolut Metal credit card application went through quite smoothly. I was required to upload two most recent payslips and was offered up to $25k (despite having three credit cards already open). Set a limit of $10k which will do for now.

 

[Viridis]

One of the few times being a wage slave to the man is an advantage it seems.

My Revolut Metal credit card application went through quite smoothly. I was required to upload two most recent payslips and was offered up to $25k (despite having three credit cards already open). Set a limit of $10k which will do for now.

My experience too

 

[MG1]

One of the few times being a wage slave to the man is an advantage it seems.

My Revolut Metal credit card application went through quite smoothly. I was required to upload two most recent payslips and was offered up to $25k (despite having three credit cards already open). Set a limit of $10k which will do for now.

My experience too

I'm happy for both of you.
Sadly, they couldn't convince me enough via their chat that they limit would increase.

I'd be keen to know how it goes for both of you over the coming months (hopefully, there won't be any surprises).

 

[Viridis]

I'm happy for both of you.
Sadly, they couldn't convince me enough via their chat that they limit would increase.

I'd be keen to know how it goes for both of you over the coming months (hopefully, there won't be any surprises).

FWIW, I’ve held the card for three statement periods so far with no issues. Used it extensively overseas too (both foreign websites from here and whilst travelling) with good exchange rate and no fees

Earning 1.3pts per dollar spent.

Transferred 40000pts to BA last month (for use with QR) and that went smoothly; received in my BA FF account instantly

I’m just mindful of the T&Cs with no earn on parking, gov’t spend etc in which case I use my Amex Plat

But no complaints so far and, in fact, thinking of setting my wife up with Ultra so that she can use the Debit card and at least earn 1:1 instead of 1:3 with ANZ or redeeming at 4:1 or 3:1 with Amex

 

[MG1]

FWIW, I’ve held the card for three statement periods so far with no issues. Used it extensively overseas too (both foreign websites from here and whilst travelling) with good exchange rate and no fees

Earning 1.3pts per dollar spent.

Transferred 40000pts to BA last month (for use with QR) and that went smoothly; received in my BA FF account instantly

I’m just mindful of the T&Cs with no earn on parking, gov’t spend etc in which case I use my Amex Plat

But no complaints so far and, in fact, thinking of setting my wife up with Ultra so that she can use the Debit card and at least earn 1:1 instead of 1:3 with ANZ or redeeming at 4:1 or 3:1 with Amex

Thanks for the update: it is appreciated.

I may try my luck again in the future.

 

[furiousmango]

I feel like the Metal account ($279 a year) is a great compromise vs the Ultra plan - still earns 1:1 revpoints per dollar on the credit card - way better than the Westpac Altitude Black card after the devaluation. The FT subscription is a bonus!

 

[FFdan]

Key thing here that I’ve found most valuable after upgrading to Ultra is the Shops earn rate being so much higher.

Metal still earns Xpts per $3 on a merchant offer whereas Ultra earns Xpts per $1.

Meaning on my groceries I’m wanting 11pts per dollar and on supplements 21pts per dollar and so on. If you have synergy with the Shops merchants (Woolworths added this week) then Ultra could be beneficial.

 

[pangwen]

Key thing here that I’ve found most valuable after upgrading to Ultra is the Shops earn rate being so much higher.

Metal still earns Xpts per $3 on a merchant offer whereas Ultra earns Xpts per $1.

Meaning on my groceries I’m wanting 11pts per dollar and on supplements 21pts per dollar and so on. If you have synergy with the Shops merchants (Woolworths added this week) then Ultra could be beneficial.

Is there any info for a non-member on what the shop merchants are? Would be helpful to determine whether it’s worth it…