Maximise your Avios, air miles and hotel points

Earning free Avios points with pay.com virtual Visa gift cards (Part 2)

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In Part 1 of this article today (click here), I looked at what pay.com cards are and how you can buy them. This part looks at how to use them.

You can, obviously, use your pay.com card anywhere online for making an online purchase of a physical item.  They are not meant to work for purchases of services or the payment of bills.

If you have some money left over on a part-used pay.com card, the easiest way to redeem it is by purchasing Amazon gift e-cards.  You can order Amazon gift certificates for yourself and pay them into your Amazon account.  You then have a credit balance which you can work through for future purchases.

Here are some of the other places – not online retailers – which are known to accept pay.com cards and hopefully still work.  If you have regular monthly payments to any of these companies then it is something you should take a look at:

Vodafone – if you are on direct debit, there is a time window between your bill being generated and the direct debit being taken when you can make a direct payment online.  My timing is out and I cannot demonstrate this, unfortunately.

Sky – I successfully made a £25 payment to my account which will reduce my next direct debit:

BT, Talk Talk

EDF, Scottish & Southern, Ovo and E.ON

TV Licensing

High Street Vouchers – I ordered a £25 Waitrose / John Lewis voucher

Parent Pay

Inland Revenue – you can pay your self-assessment income tax using pay.com cards.  However, you must use the WorldPay payment site and not the Santander one.

Virgin Media

Apple Store e-gift cards bought direct

Council Tax – varies by local authority but they are often accepted as Visa Debit cards

Some merchants – PayPal, I think, for a start – may put a £1 block on your card when you attempt to use it as a security check.  The maximum you can then pay is £24.  The remaining £1 will be released within 7-10 days and can be used to buy an Amazon gift voucher.

Some merchants will also restrict the number of different card numbers that a single customer can use to 2+ in a 24 hour period.  Do not expect to be able to use up 10 3V cards with the same merchant on the same day.

Please let me know if you have any updates to this list.


How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (April 2025)

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 with a bonus of up to 25,000 Avios. You can apply here.

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

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

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

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold

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

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large 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, and the standard card is FREE. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business

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.

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit 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.

Comments (223)

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

  • Tilly71 says:

    These terms are BS, think stores make up their own rules as they go along. I purchased a largish batch a few days ago with no restrictions and CS involved.
    Ask the to rescan the problem card again, this usually resolves the problem I have found or go to CS where they never seem to fail for some reas on in my experience. Just wip the receipt away as quickly as poss to prevent any unwanted attention to your cc balance .

  • Nick says:

    My local Tesco (regular, but smallish) store has about 60 cards……so I started with 4 and plan to clean them out 🙂

  • James67 says:

    I haven’t done any cards since the 3V days. Can I still use my old 3V account to activate the new pay cards or do I need to start all over? Thanks.

    • Fenny says:

      Yes, the old account still works.

      • James67 says:

        Thanks, now I just have to figure whether 6000 avios is worth the pain of processing 40 cards. I had a whole carrier bag full of them when NS&I was the game but not sure I can take the tedium anymore.

        • Jason says:

          James67

          Would it be easier if you got 7200 Avios for those 40 cards?

          • James67 says:

            72,000 might 🙂 Despite the benefits, I got so sick of the sight of them last time but will probably use the odd card here and there when it is both simple and sensible to do so.

        • dee jay says:

          If you have a barcode scanner less than 1 hour and you should have 40 done and spent

  • Wally1976 says:

    If it’s any use to anyone, I have successfully used these cards online with Tesco Mobile and Extra Energy.

    • Mucky says:

      Wally if there is credit on your account did extra energy return the money to the 3V cards or to your bank account?

      • Wally1976 says:

        This is yet to be seen Mucky. I switched my supply away from them just over a month ago and am currently chasing the refund (they haven’t even issued a bill yet and I don’t just mean the final bill but ANY bill and I joined them last September!).

  • Froggitt says:

    The problem when cards are not authorised is that the error message says something like “pay.com is down – please try later”. Which is totally untrue, they just haven’t waited for the authorisation before going on to the next card.

  • Mark says:

    Whilst I am an AVID reader of HfP and have actively used many of the articles here to benefit from great deals I feel the need, like others, to point out the glaringly obvious:

    Just as with Martin Lewis and MSE any article of this kind that appears on HfP signals the death knell for any viable CC point earning opportunity; particularly those that work out at sub 1p per CC point. It’s great to read about and about others making it work, but I’m sure we’d all rather be able to make it work for ourselves and gives the likes of Mr. T a bit more detective work rather than handing it all over on a silver platter.

    Just something to think about in a time when collecting CC points in the way that “we” do is becoming increasingly difficult…

    • Polly says:

      I agree Mark. In a way. I am glad they closed off the financial institution loophole last year, as it was getting out of hand. Let’s not kill off the golden goose just yet. It’s fine if we find some of our utilities accept them and hmrc. Let’s just run with those that do take them, as opposed to seeking out ways to burn them. If the unis don’t accept them, then just pay with your credit cards instead of the direct debit. I called up to pay before each term started. I did feed in 60 cards James 67! To pay my service charge. Just did 10 every day, but they questioned it. They may stop me next time. The TV licence is a good one also. It’s just luck if you can use them. But let’s try to be moderate in their use. I always think of them as bonus avios. Sweet that they are back though! Also best to stick to 4 at each till though.

      • bob says:

        love you Polly

        but anybody who wants to do as many as they like should just do exactly that

        no need to hold back

      • bob says:

        what’s the problem with fielding a call from their fraud team?

        they’re doing their job

        you’re doing nothing illegal

        just explain what you’re doing re collecting points

        they quickly get it in my experience and let you carry on inputting different £25 card numbers

    • bob says:

      do not agree – you seem to advocate secrecy

    • James67 says:

      To some extent yes, and I have a feeling the spire elite via virgin will go soon. Not that I’m blaming Rob, I would like to do it myself and would not have known had he not posted it. I’m not in a position to do it until next clubcard statement so hopefully it’ll last a few weeks yet. I have my doubts thought, Juhn posted on loyaltylobby today that the dining upgrade route has been scrapped so it seems IHG are on the warpath.

    • TheTraveller says:

      Call me a cynic – but you could argue its in Robs interest to get routes to ‘easy’ Avios like this closed down.

      The harder it is to earn points, the more traffic will come Robs way – hence he has more weight with advertisers and is able to generate more revenue from this site.

      Can’t argue with his logic!

      • Rob says:

        It is in my self interest to promote the collection of cheap Avios in any way possible! No collectors means no site!

      • dee jay says:

        A happy avios collector will be a happy reader

  • Michael says:

    British Airways holidays – I had a £4000 holiday which I very tediously paid with V3 cards, it took me 2 weeks going through a few each night …but I managed to rack up 28,000 airmiles plus another 6,000 using my BA Amex card to purchase them.

    You can only pay £24 from each £25 voucher. BA hold the other £1 then refund it back to the card. I then transferred each pound to Amazon.

    Very long winded but 34,000 versus 12,000 just using the BA card on its own.

    I also pay Scottish Power

  • debs says:

    everytime I try and use one it fails
    is the cardolder name the name I entered into the pay.com website?
    confused

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

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