Bits: TopCashback 25% bonus to Avios scrapped, Miles & More gift card deals – any good?

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

• Frenske says:

  8 Jan8 January 06:18

  Usually I convert smaller amounts (£30-50) to Amazon gift cards and load to my Amazon balance and it sits there until needed. Basically anything I buy on Amazon has 5% discount.

  • TGLoyalty says:

    8 Jan8 January 09:05

    M&S is a better option at 7%

    Won’t get 5-7% is any bank account

    • Genghis says:

      8 Jan8 January 09:10

      But you might get at least 7% if you take the cash and have a credit card sign up bonus ongoing

      • Genghis says:

        8 Jan8 January 09:28

        I hope I’m not stepping on Rob’s toes here but happy to offer you a Nationwide referral. We’d both get £100. Let me know and I’m sure we can get in touch via other means.

        • Rob says:

          8 Jan8 January 10:00

          Feel free

      • TGLoyalty says:

        8 Jan8 January 10:55

        Is that offer good if its a new account and not a switch? If so my twitter is the same as this if you want to get in touch that way?

      • Boi says:

        8 Jan8 January 10:57

        I would be grateful for a nationwide referral too. Thanks

        I don’t even know what I am asking for but I am guessing it is good. I only have a Santander zero current account if that makes a difference (usually with money just sitting there coz I feel savings account interest bad for higher rate earners so never bothered opening one)

        • Alan says:

          8 Jan8 January 12:57

          I can also help out with Nationwide referrals if Genghis is too swamped or there’s a cap 😉

          I’ve got their FlexDirect a/c (5% on up to £2.5k, have to pay in £1k per month, no fees) regular saver (5% on £500/mo) and loyalty saver (0.75%). Transfers to/from RBS (and thus I presume other Faster Payment banks) are instant. Very good customer service via Twitter.

      • Genghis says:

        8 Jan8 January 11:08

        @Boi. Nationwide offer an account of 5% on £2,500 and then a regular saver of 5% on £500pcm. Best package in market IMO. You need to pay in £1k a month but on the first of the month we just do a £1k payment to Nationwide from our Santander account, then £500 goes to the regular saver and £507 goes back to the Santander account.

        The £100 bonus is if you switch (i.e. transfer at least two direct debits).

        Remember there’s the £500/year tax free on savings now for higher rate tax payers.

        If this works, message me on twitter, Genghis1232.

      • Genghis says:

        8 Jan8 January 13:16

        @Alan I’ve always got time for fellow HfP readers 🙂

        • Alan says:

          8 Jan8 January 13:24

          Teehee your generosity knows no bounds 😛 😀

      • Chris says:

        8 Jan8 January 22:27

        Love the sushi cake you got for your bday!

    • Genghis says:

      8 Jan8 January 09:11

      Also Nationwide still offering 5% on £2.5k for 12 months and a £500pcm 5% reg saver.

      • Barry cutters says:

        8 Jan8 January 09:34

        Nationwide are great . Iv been with them forever and the flex plus account for £10 a month is great for the free cash withdrawals, mobile phone insurance and holiday insurance for the whole family.

• Brian says:

  8 Jan8 January 08:10

  I expect the fact that Rob cannot see a scenario where he would use cash is down to his having millions of Avios that he is unlikely ever to use up, rather than him thinking that 0.8p per point is especially wonderful.

  • Rob says:

    8 Jan8 January 10:06

    Correct.

    I just used 250k Amex MR for o.65p (4 Emirates J, one way) which I would not recommend anyone else do, but I get ‘free’ cancellation option on the flights.

• Wally1976 says:

  8 Jan8 January 08:47

  I agree that even with the 25% offer this wasn’t an especially good deal, I was still taking cash or Amazon credit.

• Wally1976 says:

  8 Jan8 January 08:50

  Each to their own but personally I check my account most days and withdraw straight away if there’s any available. Wouldn’t trust that lot to look after my cash!

  • Crafty says:

    8 Jan8 January 16:01

    Agreed. You should immediately withdraw anything that becomes payable.

• Dave says:

  8 Jan8 January 08:55

  Different people will have different valuations, depending on their balances. If someone needs to top up their balance to achieve a redemption worth 1.5p per avios, clearly 0.95p is still a good deal. But if (like Rob) you have millions of the things, then he’d quite sensibly burn a few on a BoB sandwich. I don’t think there’s any conspiracy theory for you here.

• Czechoslovakia says:

  8 Jan8 January 08:56

  It mostly comes from one retailer, whos IT is so bad, it cannot distinguish what should be non qualifying items. And they take AMEX.

  • TGLoyalty says:

    8 Jan8 January 09:08

    A name or Any clues?

• Ahop says:

  8 Jan8 January 09:35

  OT: am I correct in thinking a Lloyd’s upgrade voucher cannot be applied in conjunction with a BA 241?

  • Genghis says:

    8 Jan8 January 09:37

    Correct. You book at different places: 241 at BA, Lloyds upgrade at avios.com

• Alan says:

  8 Jan8 January 09:46

  I’m not sure what they’re like now, but in the good old days of phone ordering with Viking in the late 90s they were great – you’d just give them the second part of any item number and they’d go find a special sale price for most things. Always need up paying way below catalogue price!

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