Maximise your Avios, air miles and hotel points

Changes to the Avios earning rate on the 7 (!) bmi credit card options

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For those people lucky enough to still have the old bmi British Midland credit cards issued by MBNA, some unwelcome news dropped through the letterbox yesterday.

Not for everyone, just for some.

There are, unbelievably, SEVEN different bmi credit card packages out there.  Whilst everyone is losing the benefit of double miles for spending with British Airways, not everyone is having their miles cut.  The 10% discount on British Airways flights will also remain.

bmi credit cards

As far as I can tell, this is what is happening.  If you have a letter which contradicts anything below, please let me know and I will correct it:

Diamond Club American Express card (no annual fee)

Old rate:  2 miles per £1

New rate:  Unchanged (guess)

Diamond Club Plus American Express card (with annual fee)

Old rate:  2.5 miles per £1

New rate:  Unchanged (guess)

Diamond Club credit card (Amex & Visa combination, no annual fee)

Old rate:  2 miles per £1 on the Amex, 1 mile per £1 on the Visa

New rate:  Unchanged (fact)

Diamond Club Plus credit card (Amex & Visa combination, with annual fee)

Old rate:  2.5 miles per £1 on the Amex, 1.5 miles per £1 on the Visa

New rate:  Unchanged (guess)

Diamond Club MasterCard (with annual fee)

Old rate:  2.5 miles per £1

New rate:  Unchanged (fact)

Diamond Club MasterCard (no annual fee)

Old rate:  1.25 miles per £1

New rate:  Unchanged (guess)

Diamond Club Classic MasterCard (no annual fee)

Old rate:  2 miles per £1

New rate:  1.25 miles per £1

Should you switch?

Probably not, to be honest.

Only the Classic MasterCard is seeing a big cut in the earning rate.  The loss of double miles on BA transactions on the other cards is a very minor adjustment.

The best MasterCard or Visa option for earning Avios is currently the HSBC Premier MasterCard.  This is tricky to get, however.  It earns 1 mile per £1.  The second best option is the Tesco MasterCard which only earns 0.6 Avios per £1.  If you have the Classic MasterCard, 1.25 Avios per £1 is still a great deal.

(Want to earn more miles and points from credit cards?  Click here to visit our ‘Credit Cards Update’ page or use the link in the menu bar at the top of the page.)

Comments (21)

  • louie-m says:

    “Diamond Club American Express card (no annual fee)

    Old rate: 2 miles per £1

    New rate: Unchanged (guess)”

    I can confirm this.

    I’m also a little surprised that my letter regarding the old fee-free standalone Mastercard (but not the Amex one) refers to the 10% BA discount continuing. I had understood from the table on the Diamond Club website some time ago that this applied only to the fee-paid card. I’m glad I don’t book many non-award BA flights as I would have been miffed to discover I had been missing out on a discount!

  • Victoria says:

    I’ve had the Amex / Visa combo for years now and wasn’t aware of the 10% discount. Gutted to know that I’ve missed out on hundreds of pounds worth of discount!

    Does this discount apply to flights booked using Avios or part cash / part Avios too?

    • Rob says:

      No, only full cash bookings. Not sure if it works with ‘part pay with Avios’ or not (as opposed to ‘part cash part Avios’ which does not work).