Get 10,000 Mile & More miles with the UK credit card – biggest bonus in 11 months

Lufthansa and MBNA have brought back a decent sign-up bonus for the Miles & More credit card.  This is the first increased bonus on this card since November 2015 and the first since the 0.3% cap on interchange fees came into place.

Normally the bonus is a dull 1,500 miles. However, until 30th November you will receive 10,000 miles.

Full details can be found here.

The card has no fee.  The representative APR is 22.9% variable.   This is 6% higher than it was a year ago!


The miles are paid in two instalments:

1,500 miles with your first purchase (as per normal)

8,500 miles when you spend £1,000 within 90 days

You will also receive a £15 discount code valid against a future Lufthansa flight booking.  I would not value this highly as such codes are commonly available as regular HFP readers will know.

The cards come as a double-pack with an Amex and a Visa. The earnings rate is surprisingly good – 1.5 Miles & More miles per £1 on the Amex and 0.75 miles per £1 on the Visa.

You also receive a 33% miles bonus on ALL your spending for the first six months, on both cards. This takes the Amex up to 2 miles per £1, a very impressive earnings rate for a free card.

One of the key benefits of the Miles & More credit card is that it stops your Miles & More miles expiring. Without the card, your miles have a 3-year expiry. Unlike Avios, Miles & More miles expire after three years even if you have earned other miles in the meantime.

The card has no annual fee.

The issuer is MBNA, which also issues the American Airlines, Etihad, Emirates, Virgin and United cards in the UK. They are generally quite good at accepting modest earners (my Mum, who is retired on a modest pension, got a BMI card with no problem a few years ago).

You cannot churn MBNA cards. If you have already had the Miles & More card, you should not receive a second sign-up bonus if you apply again although they are happy to give you the card.  In reality, if it has been a few years, you may find that you do get it – but don’t count on it.

Miles & More miles only have value for long-haul redemptions, due to the crazy taxes on short-haul flights. These are often higher than the cost of buying a cash ticket outright ….

Miles & More does runs monthly mileage sales which often have very good bargains – see this post for example.

Miles & More is NOT an American Express Membership Rewards partner, so you cannot top up your balance directly using Amex points. The only option would be to transfer Amex points to Starwood and then to Miles & More, but that only gets you 0.5 M&M miles per 1 Amex point, or 0.625 if you transfer 20,000 Starwood points at once to get the 5,000 miles bonus.

You could, of course, also get the Starwood Amex card (review here) with a sign-up bonus 10,000 points and transfer those into 10,000 Miles & More miles.  Lufthansa is also a Heathrow Rewards partner if you have any of those to convert.

You can find out more about this sign-up bonus on the Miles & More website here.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

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  1. Don’t forget that M&M are also good value for US domestic on UA – 17,000 for a one way premium service in businessfirst on the direct transons (or you can book another routing with up to two connections) with just a few $ in taxes is pretty good value. You also get lounge access without status on the PS routes (to/from LAX/SFO – EWR) with this award.

    I still have my Diamond Club (aka ex-BMI) card, which is now effectively useless for earning.
    Do MBNA allow you to switch cards, which would save me the hassle of re-applying and, potentially ending up with a measly credit limit (my BMI limit is very high)?

    • Just apply for the new card, then ask for your high BMI limit to be moved across, then close dc card.

    • Andrewess. says:

      Not so useless!

      Received the letter today from MBNA, from 1st October 2016:-

      1% Cashback per £1 on Amex spend
      0.5% Cashback per £1 on Visa spend

      Full rules on

      • Sadly, they are replacing mine to a Visa card!! Not sure why some are being replaced with the Amex/Visa combined cashback cards some with a Visa card? Maybe because I already have the Mile & More miles cards?

  2. This is interesting. I’m looking for a Star Alliance program to join as I am flying Turkish and New Zealand in the coming months (all business class) – I was veering towards Miles and Smiles as I’d get the most for my Sydney -> Manchester flight in J, but this might make it worth going with M&M (which is probably a better option in the long run too)

    • Look at Aegean scheme assuming you will be able to do some flying in Greece or routed via Athens

      • If flying longhaul in J, may not need any A3 flights at all, just double the mileage requirement. I was looking at a TG J fare to NZ which would earn 46000 miles or so.

        M&M is only a good option if you plan to spend lots of money with LH group airlines.

        • David2910 says:

          I spent ages weighing up earning and burning options on *A a year ago when I had some ANA flights to credit. Agean and asiana indeed seemed like people’s choice, but the former needs Greece legs, and the latter (if I recall correctly) had expiry risk written all over it. Turkish also seemed popular but the website was so confusing I lost interest. so M&M with the free card to maintain miles, and being a European airline (with potential for one day first class which is very good for Europe airline) made it obvious choice (for me). Do it.

  3. O:T, Just received an email offering 500 Avios for Supplementary cards added to my BA CC. Also, my Mum was offered 1000 MR points yesterday for a Supplementary card added to her Amex Gold Card.

  4. Chia Yau says:

    Can I transfer the 10000 miles and more to other partner like SPG ?

  5. rossmacd says:

    Does anyone know the rules of the M&M credit card, and M&M account location?

    For example, my M&M account is based in Switzerland (where I am based!), but I could easily qualify for a M&M Credit Card in the UK. Would this cause any problems crediting the 10k miles (and associated miles for spending) to my Swiss based M&M account.

    I know some FF programmes are sticky on this (e.g. BAEC)

    • czechoslovakia says:

      Just the question I was wondering about. Anyone? I already have a local CZ card feeding my M&M account.

    • My M&M account is based in Germany, I hold the UK MBNA, German M&M Mastercard Elite and the Swiss AMEX. There have been no issues with all 3 linked to the German account.

      I’d recommend the German card if you have a German bank account as well.

      • Perfect thank you!!

        • Continuing form this, has anyone moved abroad after taking out MBNA cards that pay loyalty points? Have you managed to keep the card?
          (such as the M&M card, plus AA, Etihad, etc, etc).

          Like most financial services providers, MBNA state they can’t normally open up accounts people outside the UK (headaches of KYC etc), but existing customers can normally keep their accounts.

          However, this is a generic statement on their website. It could easily apply to only being able to keep a non-reward earning card, etc.

          Does anyone have any experience of keeping their cards going? Particularly M&M, also VS and AA.

  6. Can these miles be converted to Avios or Amex points?

  7. Slight O/T but I wonder if SPG amex will have it’s normal November promo….?

  8. Can someone please advise a rough example of what this might be redeemable against? I.e am I looking at a decent saving on a long haul from the uk? Thanks

  9. Is there any chance there will be a signup bonus on the United card from MBNA soon? IIRC they are more lucrative when it comes to crediting heavily discounted economy tickets.

  10. Is there a way to merge points with Star Alliance carriers? I haven’t really collected many since I was Gold with bmi :( I now have a few k with SAS. Ideally I’d like to pick one of them and stick with that – so maybe M&M is the way to go, but I don’t really want to lose the SAS points.

    • No you can’t. You can use SAS miles for Radisson hotel rooms – I used 15,000 of mine for a room at The Mayfair in London earlier this year.

    • Unless you fly frequently on Lufthansa group airlines (and I mean frequently), M&M isn’t the way forward for long term earning keep SAS and transfer your SAS miles to Radisson gift vouchers or flights.

  11. Do I understand right that miles would expire after 3 years regardless of how many miles have been credited, but if you have the credit card and spend on it, miles will NOT expire?

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