BA Sale

Bits: New HMRC card fees, Hilton sale, BA long-haul ‘no suitcase’ fares looking inevitable

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News in brief:

New HMRC fees for tax payments on credit cards published

As we have mentioned on HFP numerous times, the last day to pay tax bills on a personal credit card is 13th JanuaryThis is a licence to print cheap miles and points, given the low 0.38% feeThis article shows you how best to exploit it.

The Revenue WILL continue to accept payment with a corporate / business MasterCard or Visa.  This is unlikely to make sense for most people because there are virtually no business Visa or MasterCard products which gives rewards.  There are none that give travel rewards that I know about.

Here are the charges from 14th January (thanks to the reader who flagged this in our comments section):

VISA Business Credit Card 1.70%
VISA Commerce Credit Card 2.80%
VISA Corporate Credit Card 1.94%
VISA Purchasing Credit Card 1.92%
VISA Commercial Credit Card 1.94%
MasterCard Business Credit Card 1.80%
MasterCard Corporate Credit Card 1.98%
MasterCard Purchasing Credit Card 2.20%
MasterCard Fleet Credit Card 1.97%
MasterCard Commercial Credit Card 1.98%

The only possible upside I can imagine is using a Curve Card, which is treated as a Business MasterCard.

The fee will be 1.8%.  However, if you are self-employed and paying VAT, PAYE or corporation tax, the fee will be a deductible business expense.  If you are a higher rate taxpayer, the net cost including the NI saving would be just under 1%.  If you have a legacy mileage card, such as the ‘1.25 miles per £1’ American Airlines Visa, this is not bad.

You can find our more about Curve in this article.  They will pay you £5 for trying it out!

Curve Card

Hilton weekend sale still running

Hilton currently has a sale running covering Europe, the Middle East and Africa.  It is valid for ALL of 2018 (and the rest of 2017) but only for weekend stays.

You can see full details on the Hilton website here.

Here are the headline details:

Valid for participating hotels in the UK, Middle East, Africa and Europe

Discounts are up to 25% off ‘Best Available Rate’ and ‘Best Available Rate With Breakfast’ for Hilton Honors members, and up to 20% off for non-members

Bookings are non-changeable and non-refundable (so, let’s be honest, it isn’t a full 25% discount as a non-refundable rate is usually 10% cheaper anyway)

You must book at hilton.com here 

Bookings valid for WEEKEND STAYS at any point between now and the end of 2018

Bookings must be made by 31st January 2018

Given that you can book for the whole of next year, you may be able to lock in a deal for any weddings or other events which you know are coming up.

The photo below is the new-ish Hilton Bournemouth which I reviewed here.

KLM / Air France / Delta launch ‘no luggage’ fares, leaving BA with little choice

The ‘hand baggage only’ trend has now hit transatlantic fares.  From 10th April, standard economy fares from the UK to the US or Canada on Delta, Air France or KLM will be ‘hand baggage only’ with a 10kg limit.

The cost of a suitcase will be, each way:

  • 1st bag fee $60 / €50 / 75 CAD
  • 2nd bag fee $100 / €85 / 120 CAD

To be honest, it is difficult to see how British Airways can avoid being drawn into this.  It already faces stiff competition from Norwegian on many routes to North America and now Singapore too.  The key factor at play is that online travel agent search results do not adjust to reflect baggage costs.

A Delta fare may now appear cheaper than a British Airways fare on Expedia, but only when you come to book will you realise it is an extra £80 for your suitcase.  How many people will still book the Delta fare, assuming that BA would add a similar fee even though it doesn’t?  Enough, I imagine.

It is virtually certain that Virgin Atlantic will have to adopt this system when its transatlantic joint venture with Delta, KLM and Air France is approved in 2018.  What chance of BA holding out then?

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

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Comments

  1. Re Curve…suggest you ignore any email re updating Curve for the time being. I am completely locked out..and they are aware of problems.

    • I was locked out from day 1, and my phone frozen too until I uninstalled Curve. They said it might work with different versions of Android…..

  2. the real harry1 says:

    O/T good job my wife flew from Bristol yesterday not today! 🙂

    I feel very sorry for all those people on the cancelled flights 11.30-6pm – but why would you cancel so many flights when ONE airplane, taxiing AFTER landing, comes off the runway?

    surely just a bit of mud that could have been sorted in 30 mins???

    • the real harry1 says:

      OK so it seems they disembarked the passengers and the plane was stuck in the mud for 4 hrs (away from the runway)

      so they stopped everybody else flying! for no particularly good reason

      in the 1960s they’d just have let planes take off & land on the EMPTY runway alongside the stranded plane

      seems to be similar to modern practice of shutting down 2 motorway lanes whenever somebody has a prang & ends up on the hard shoulder

      bunch of H&S cover-backsidesies if you ask me

      • It depends whether the location of the aircraft is interfering with the ILS signals that would otherwise assist the next aircraft to land. If it came off whilst vacating the runway then it probably is interfering with those signals. It might also be resting too close to the runway to meet International Standards of separation.

  3. OT: Any referral bonus from the Virgin White card? I vaguely remember a discussion about generating your own link by putting your membership number at the end but has anyone received the referral bonus recently?

  4. Does anyone know how I can get refunded a £35 fee which early adopters of Curve had to pay back in 2016? Looks like they now give people money to take up the product! I don’t need these paltry £5 but I’d like to get my £35 back! Especially given the fact they cut the Amex link six weeks after the card was launched.

    • Graham Walsh says:

      I think you are out of luck. It was only on offer when they cut the Amex ties. Had to submit the request to cancel by a certain date.

      • In fact – I emailed them and they responded to me along the same lines but as long as it was Christmas they offered me a one-off free upgrade to Black card at their discretion. So some luck was still with me!

  5. Georges P. says:

    Thanks for the tip about Curve, I didn’t realise HMRC were going to keep accepting business credit cards. Sadly, Curve has a yearly maximum of £50,000 and £15,000 monthly and you have to work up to these levels. My HMRC PAYE remittances are £20,000 per month alone. Well it was good while it lasted, we racked up a whole bunch of AA and LH miles for around a quarter penny per mile. That made a Lufthansa one way first class ticket from London to LAX around £500 including fees and taxes. Again, another example of EU interference. Why can’t they just let market forces and consumers decide whether they want to pay extra to use a credit card.

    • Because the market was ripping off customers, the duopoly did not provide sufficient competition and the barriers to entry were too high for new companies.
      It was actually the UK government who used the EU mechanism to do this, not an initiative led by the EU itself.

  6. Andy Morgan says:

    Thoughts on best value Hilton Hotel in London? Looking at Hilton Bankside for an upcoming trip. Reviews all seem glowing.

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