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Your final answer to the IHG Rewards Club Premium Mastercard free night question

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On Sunday I wrote about the confusion being caused over the issuance of the ‘end of year’ free hotel night voucher with the IHG Rewards Club Premium Mastercard.

I am very positive about the IHG Rewards Club Premum Mastercard and I think that most cardholders WILL want to continue with it after the first year.

All you are paying is £99, and this gets you:

on-going IHG Rewards Club Platinum status which comes with some decent benefits on your InterContinental, Holiday Inn, Holiday Inn Express, Crowne Plaza, Hotel Indigo etc stays

IHG Rewards Club credit card premium

a free night voucher for spending £10,000 (worth £250+ if spend wisely)

an excellent earnings rate of 2 points (worth about 0.8p – 1p) per £1 

double points on overseas spending and spending at IHG hotels

and these points count towards status if you are going for top tier Spire Elite

As a legal reminder, this card has a representative APR of 41.5% variable including the £99 fee based on a notional £1200 credit limit.

Some people, however, will want to cancel.  The voucher is triggered on the anniversary of opening your account.  Your annual fee of £99 appears on your next statement, which could be a few days or a couple of weeks later.

Creation, which issues the card, has to date been all over the place when readers have contacted them to ask how they should deal with this situation.  To be fair, the first anniversary of the launch of the card does not come round until later this week so it has been a purely theoretical discussion so far.

I have been speaking with Creation about this and there is now a position on how the process will work if you choose to cancel your card.  The customer service centre has been fully briefed about the policy and you should not have any problems.

Cancelling mid-year:

If you have spent £10,000 on the Premium card but cancel during your card year, you will not receive the free night voucher.  You must hold the card for the full year.

Cancelling at the end of the year:

Once the 12-month anniversary date has passed, you will receive the free night voucher as long as you spent over £10,000 in the previous year

If you ring Creation to cancel your account after the 12-month anniversary date has passed, but before your next statement is issued, you will still receive the free night voucher.  There is not a problem with the fee as it will not have been added to your account yet.

If you have just received a statement which includes the £99 fee for the second year, you can close your account before the next statement date and fee will not be due.  The only exception is if you have spent on the card after the £99 fee has been applied – in this case, you will be deemed to wish to continue with the card for another year. You will still receive the free night voucher.

After 30 days from the date that the fee for Year 2 is added to your account, you are liable to pay it.  You can still cancel your card but you will not receive a fee refund.  You will still receive the free night voucher.

The free night voucher should be added to your IHG Rewards Club account within a month, give or take, of the £99 fee being charged.  It does not matter if you cancel your credit card before the voucher appears on your IHG account – you will still receive it.

I hope that is clear.  The bottom line is that, if the card is not use, you have at least four weeks from your card anniversary date to cancel without paying the fee.

That said, as I wrote above, you should think carefully before cancelling because the card does offer an EXCELLENT package and you will struggle to find a better Visa or Mastercard offer to replace it.

If you speak to anyone at Creation who gives you a different line to what I have written above, get in touch with me and I will give you the details of the person to contact.

If you don’t already have the IHG Rewards Club Premium Mastercard and want to find out more about it, my full review is here.


IHG One Rewards update – April 2024:

Get bonus points: IHG One Rewards is offering 2,000 bonus points for every two cash nights you stay (not necessarily consecutive) between 1st April and 31st May 2024. You can read our full article here and you can register here.

New to IHG One Rewards?  Read our overview of IHG One Rewards here and our article on points expiry rules here. Our article on ‘What are IHG One Rewards points worth?’ is here.

Buy points: If you need additional IHG One Rewards points, you can buy them here.

Want to earn more hotel points?  Click here to see our complete list of promotions from IHG and the other major hotel chains or use the ‘Hotel Offers’ link in the menu bar at the top of the page.

Comments (135)

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

  • Simon says:

    I know that no one will have one yet, but what’s the validity on the free night voucher? Just planning a ski trip in early 2019!

  • Alan says:

    Glad they finally saw sense/worked out a consistent message. That will have saved them a lot in FOS referral fees!

    Agree it’s a decent card though, I’ll be keeping it.

  • D.C. says:

    I spoke to a supervisor at Creation this morning about the misinformation coming out of their customer service centre. If anyone was advised that they would still receive the free night even if they cancelled the card before the 1st anniversary, and did so (like me!) go back to them and ask them to revisit the telephone conversation (all calls recorded) for the day you spoke to them, and hopefully they will honour the free night voucher.

    • Talay says:

      I have two other creation cards and their customer service simply lies and writes incorrect information on their CRM system after you finish your call.

      I have had to have them pull tapes back to confirm what was offered and even then they tried to squirm out of it.

      Their new card however offers no FX fees at all and trumps the Supercard / LLoyds one as it is fee free.

  • ian lipowicz says:

    I have a very long family stay planned at Waldorf Astoria Orlando over xmas booked through a Virtuoso agent. Will I get any added benefits if I get the Hilton card and hit spend prior to stay?

    • Rob says:

      Not really. I assume Virtuoso gets you free breakfast and in any event, Waldorf-Astoria hotels do not give free breakfast to Gold members (although Conrad hotels do, oddly).

      Hilton status, in general, is also worth far less in the US than it is elsewhere because Hilton showers status on credit card holders. It is even possible to get Diamond via a credit card in the US.

      The only reason to do it would be this. You get the free night voucher and then you cut your existing booking down by 1 night, swapping the last night for the card free night (if your last night is a weekend night). It is 99% certain that the hotel will let you keep the same room, although you’d be paying for breakfast that day.

      • LB says:

        Slightly OT but related to Hilton stays – I have 2 reward nights (free night certs) booked at the Doubletree Amsterdam. The first night is in my partners name and the second, mine. At the time of booking neither of us had status with Hilton but I’m now Diamond. Ideally, I’d have booked my night to be the first night and hoped for the upgrade to be continued into the second booking, if I was Diamond when I booked. Any advice as to how to receive “Diamond” benefits…

      • ian says:

        thanks-

        yes getting free breakfast. Booked through Emyr…..

  • Joseph Heenan says:

    I think Creation were already somewhat taking the mickey by making you wait upto 12 months after you hit the spending target to get the free night voucher.

    If I read what Rob has written correctly, it’s now upto 14 months – you need to wait for the anniversary, then 30 days for them to charge you the fee, then ‘a month, give or take’ for you to actually receive it.

    That really seems like a particularly poor way to reward the card holders that actually consider holding the card long term. As others point out, the contrast to the BA AMEX 241 voucher is startlingly and shows Creation in a very bad light.

    • Alan says:

      I agree it should be at the 12 month mark (not 14), but I can understand why they don’t issue it immediately – see other comments from many of us that hold back on spend on cards like Lloyds as we don’t want to trigger a voucher. This must generate them a lot more revenue in interchange fees as a result.

    • Klaus-Peter Dudas says:

      It’s not too different from the Amex Gold though, right (12 months rather than 14 but still)?

  • Pangolin says:

    I struggle to see the value of Platinum status at IHG, having held it for six months due to owning this card.

    At IC it’s worth nothing – you have to have AMB to see any benefits.
    At HI(X) the rooms are essentially the same, so you can get an enhanced room on a higher floor but that’s really it. Even when I have received a category upgrade I’ve noticed that the room I’ve been upgraded to is essentially identical in size/facilities, with the only difference being an in-room coffee machine, for instance.
    There’s Indigo and Kimpton but neither of those has much of a footprint within the program so they won’t have much impact on a frequent travellers’ experience.
    That only leaves CP – which was the one brand that DID give lip service to status and treated Plats well. Except that now CPs have been told they don’t have to give any lounge access to Plats and user experiences (see forums like FlyerTalk) show that it’s become a lot harder to get lounge access without Spire, even in Asia.

    Even Spire doesn’t have much guaranteed recognition – you’re still at the mercy of individual properties who can withhold any benefits they want apart from the welcome drink/points. Don’t even compare IHG Spire to SPG Plat – it’s a joke in comparison.

    So what you’re really left with is the ability to build up points quicker. And this is the one area where IHG actually works. You can rack up points quickly, especially with the Accelerate programs. So if your main goal is getting award nights then there’s still value in it. Yet unlike the others (e.g. SPG, MR) IHG doesn’t treat reward stays the same as cash booking (OK Marriott is also lousy at recognition for Resort hotels but SPG is untouchable in every respect).

    But don’t take my word for it – read the IHG forums on Flyer Talk for some excellent commentary on how poor the IHG recognition is in comparison to others.

    • Andy says:

      Maybe I’m just lucky, but I seem to do okay out of being Spire. If I check into anywhere with someone else I always get 2 drinks vouchers, usually a nice room even if it’s not an upgrade, though I do usually get upgrades, I even got upgraded to a penthouse suite once, though that was for a special occasion. As Spire in China recently I seemed to get F&B credit too, which was most useful in the IC HK where I had about £14 knocked off my £17 cocktail!

      It would be nice if the benefits were more concrete rather than “turn up and hope” but my experience has usually been fairly positive.

      • Alex W says:

        Sorry but 2 free drinks and/or a £14 cocktail does not cut it compared to Marriott or Hilton where I always get free breakfast, lounge access where there is one, and usually other extras thrown in too.

  • BW says:

    I can confirm that after raising this in social media yesterday, BNP Paribas have advised me via email of the exact same information contained in this article.

  • Roger says:

    Mild OT-IHG

    I haven’t used Q2 Accelerate at all, but is there generally a Q3 (JUL-SEP) Accelerate or other similar promotion?
    Also IIRC current 5000 points reward nights finishes at end of this month. Do we know if this repeats for 1st August onwards?

    • Andrew says:

      They don’t really work to Quarters – at least not to the official English or Scottish Quarters.

      The current Accelerate promotion started mid-May and runs until the end of August. There’ll probably be another one from September to December, but you can never be sure until they start.

    • Pangolin says:

      The Q1, Q2, etc. is not quite the same as quarters. Generally there are 3 main periods for Accelerate. The current one (known as Q2) runs to August 31. Then there will be a short hiatus and the next one will start (early Sep – mid Dec). Confusingly, this can be referred to as Q3 (and some could even call it Q4). American sites will also call it the ‘Fall Promotion’.

      Of course this is going on what’s happened previously and the Accelerate programme could change at any time but currently you should expect the next program to start in the dates given above.

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