Maximise your Avios, air miles and hotel points

Can you send £100 – not £50 – per year from TopCashback to Tesco to Avios or Virgin?

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TopCashback, like Quidco, is a site which allows you to earn a small amount of cashback on your day to day shopping by clicking through to participating merchants.

You can join TopCashback via my refer-a-friend link here.  You do not receive anything extra, unfortunately, but it helps to support HFP and you are no worse off than joining directly.

In 2013, TopCashback launched a feature allowing you to pay your cashback directly into your Tesco Clubcard account – and give you a 5% bonus on top.

This dramatically increased the value of TopCashback cashback versus Quidco:

£10 of cashback earned at Quidco earns you £10

£10 of cashback earned at TopCashback earns you £10.50 (with the 5% bonus) paid into your Tesco Clubcard account. That gives you 1,050 Clubcard points. These convert into 2,520 Avios points or 2,625 Virgin Flying Club miles. You are effectively ‘buying’ Avios points for just 0.4p each.

You can transfer up to £50 of cashback per year from TopCashback to Clubcard (a year runs from the date of your first Tesco transfer, not the calendar year or from the date you joined). This means that you can earn up to 12,000 Avios or Virgin Flying Club miles per year this way.

In theory, once you have hit your £50 annual cap on transferring to Clubcard, you can transfer further cashback directly to Avios points. For every £1 of cashback you earn, you will have the choice of taking £1 as cash into Paypal or your bank account or receiving 105 Avios points.  This means you are buying Avios points at roughly 1p each, which is not great.

Is there, however, a way of transferring £100 – not £50 – per year into the same Clubcard account?

I heard about this method a couple of months ago but was not sure it would work.  It was recently corroborated on Flyertalk so it seems to be OK – technically.  It does break TopCashback rules, though, so I do not recommemd it.

It requires a Tesco Clubcard Mastercard.  You can learn all about this card in my review here – the headline details are that you earn 0.6 Avios points per £1 spent and there is a sign-up bonus of 1,000 Clubcard points if I refer you (this can be done retrospectively if you got the card in the last 2-3 months).

Your Tesco Clubcard Mastercard is linked to your existing Clubcard account.  However, a new Clubcard number is generated which is printed on the front of your credit card, under the main credit card number.

As far as Tesco is concerned, both of these Clubcard numbers refer to the same Clubcard account.

This means that you can send £50 of cashback from your TopCashback account to Clubcard using your original Clubcard number, and then swap over to the 2nd Clubcard number and do the same again for another £50.

There is a big problem, though.  The TopCashback terms and conditions say:

“Each Clubcard Account can only be linked to a maximum of 1 TopCashback Account. Multiple TopCashback or Tesco Clubcard Accounts cannot be created to try and withdraw more cashback as Tesco Clubcard Points. Any attempts to do this will result in the TopCashback Account being terminated, and any cashback/clubcard points being revoked.”

Given the generosity of the existing TopCashback / Tesco deal, and the fact that you would lose any cashback working its way through the TCB system if your account was closed, I do not recommend this even though it is being discussed elsewhere.


How to earn Avios points from UK credit cards

How to earn Avios from UK credit cards (June 2022)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards.

Until 18th July 2022 there is an astonishing special offer on these cards. You get 50,000 Avios on the Avios Plus Mastercard and 10,000 Avios on the free Avios Mastercard. You can apply here. We strongly recommend getting the Avios Plus card whilst this offer is running.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

50,000 Avios for signing up (A CRAZY SPECIAL OFFER!) and an upgrade voucher for spending ….. Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

10,000 Avios for signing up (SPECIAL OFFER) and an upgrade voucher for spending £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

British Airways BA Amex American Express card

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £12,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points.

SPECIAL OFFER: The sign-up bonus on Amex Gold is increased from 20,000 Membership Rewards points to 30,000 Membership Rewards points until 19th July 2022. This card is free for the first year.

American Express Amex Gold

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Run your own business?

We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,000 Avios.

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

Comments (17)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • erico1875 says:

    I dont really see the point of this post. Its not a loophole.You are advising a method to break the rules that may get your account terminated.

    • Britbronco22 says:

      Actually he is advising against it!

      • Lisa says:

        I agree, pointless article. This is how to do it but you shouldn’t

    • Geoffthesaint says:

      Raffles advice is…………… “I do not recommend this even though it is being discussed elsewhere.”

      I have been reading about his on flyertalk. I see the point of this post, thanks for your advice.

    • Will says:

      Well it’s being discussed on other forums so it’s a good inclusion, along with clarification on its legitimacy and risks which you may not find if you skin over some forum threads.

      • Lady London says:

        Quite. What I appreciate about HfP is that Rob adds value with his own research, opinion and balanced realistic advice. Other bloggers, even good ones like the hotels blog, will quickly publicise the latest promotion or idea. But other blogs sometimes don’t stop and advise us is this really a good idea and for who, and what else might be better like Rob does. This sort of intelligent thoughtful comment Rob provides takes a lot of effort and thought and I’m grateful.

        It’s got to the point where if I see a new thing I tend to wait and see if HfP will write about it.

  • Robin D'Arcy says:

    Hi raffles

    I got a tesco credit card in December and was wondering if you could retrospectively recommend me for it to get the bonus.

  • Tim says:

    Excluding the 5% bonus, £50 converted to Avios is 5,000 Avios. If we can instead convert them to Clubcard points, we would get 12,000 Avios.

    So the actual advantage in doing this is only 7,000 Avios; not even enough for a RFS flight.

    • Will says:

      Or 140% better than doing it the other way. Buying £2.40 for £1 would be a great deal, even though as a one off purchase won’t make you rich – and that’s kind of the point. The phrase “slow is smooth, smooth is fast” is a good mantra to live by as a points collector.

  • Oscar the grouch says:

    from my investigation it’s crap, don’t bother. YMMV of course. But reference churning 3vs, I could not find a way to get it to work. I also got my pockit account shut.

    • What's the Point says:

      Did Pockit close your account because you tried to load 3Vs onto it?

  • Graeme says:

    I think that’s the point of the article – hopefully now anyone that does this will do it with their eye wide open.

  • Rob says:

    Add your Tesco number back to your profile, the option will reappear

    • linda says:

      Thanks Raffles(Rob) helpful as always also put in my Avios and BAEC numbers all accepted. What would we do without you. Regards

  • mark2 says:

    Did you ask them to merge the accounts? if so why; it seem to me to be to your disadvantage?

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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