Tesco drops the Tesco Premium Credit Card

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• the real harry1 says:

  14 Jun14 June 07:38

  what’s your strategy for hitting £5000 spend now Direct has gone bump? The annual fee is not refunded pro rata if you cancel the card…

  • ankomonkey says:

    14 Jun14 June 08:29

    Tesco Hoi Sin Duck wraps are highly recommended 🙂

  • Rob says:

    14 Jun14 June 08:45

    I would ring and ask for a refund on the grounds you expected Direct to be included.

  • Stuart says:

    14 Jun14 June 08:49

    Whats the view that if I apply today-£pay the fee- That Tesco will refund that fee when they close the card? (hopefully within 12 months)

    • Rob says:

      14 Jun14 June 08:58

      They might not close it to existing customers, that’s the thing …. so some risk. Although, of course, the 5000 Clubcard points offsets the fee 100%.

  • Liz says:

    14 Jun14 June 09:11

    Gift card purchases do count towards the £5k target

  • Genghis says:

    14 Jun14 June 09:18

    @Stuart. That was my initial thought yesterday but then decided against it as I wouldn’t otherwise get the card.

• Premgenius says:

  14 Jun14 June 07:43

  That’s good to hear that Tesco will be refunding the Cash Withdrawal Fee but will that be automatic for or upon contacting Tesco Bank customer services for the refund?

• Genghis says:

  14 Jun14 June 07:47

  Totally OT. Has anyone had their IHG points for booking restaurants through the IHG Opentable link? I’ve had quite a few meals now but no points. How long does it normally take?

  • Lottie says:

    14 Jun14 June 07:57

    I didn’t get mine . I phoned to query after 8 weeks and they credited manually.

  • Andrew (@andrewseftel) says:

    14 Jun14 June 12:31

    I had 2/2 bookings credit. Took a couple weeks I think. Status qualifying too.

    • Genghis says:

      14 Jun14 June 15:52

      Thanks. Will chase.

• Dan Snowden says:

  14 Jun14 June 07:51

  Re: What will happen to miles after the Miles&More card changes to Horizon, I’ve occasionally seen expiry warnings appear on my mileage statement online when waiting for miles (from the card) to be credited so I suspect it’ll be the first possibility (immediate expiry in Sept). I really can’t see Lufthansa making an exception for ex cardholders.

  • Rob says:

    14 Jun14 June 08:43

    We are to be contacted, if you read the back of the letter (easy to miss, I admit).

    • RussellH says:

      14 Jun14 June 10:27

      VERY easy to miss – I think I found it at the third read through.

      I thought, though, that the statement that LH will be contacting us was positive.

      I was wondering if they might do something on length of membership – having been a member for some 20 years, I think, though never got any points from flying LH, since all the LH flights I have taken were non-qualifying. Did get a chunk of points from a transatlantic SAS business class trip two years ago, and I must have spent most of those on a reward flight last summer.

• Kevin says:

  14 Jun14 June 07:52

  Slightly relevant question as the Tesco Premium comes with travel insurance. I now have travel insurance with HSBC Premier and Amex Platinum. Are they very different? Which one is better to make a claim on?

  • Rob says:

    14 Jun14 June 08:42

    As Amex Plat requires certain things to be paid on an Amex, you may find smaller claims can only (if you didn’t use an Amex) go vis HSBC.

    I would guess for anything else it is 100% down to that particular line item. I doubt there is a definitive answer.

    • Lawro says:

      14 Jun14 June 10:12

      Amex Plat allowance was £400 per affected person per day for a claim at the beginning of the year, HSBC only offered £100pp per day (similar situation) a few months later.

      Incidentally, Amex Plat (AXA) was happy to reimburse items paid on non-Amex provided the vendor didn’t accept Amex.

      • the_real_a says:

        14 Jun14 June 13:46

        Its in the terms and conditions that if the vendor does not accept you should submit the merchant information (to prove they don’t accept amex) as part of the claim. You of course have a responsibility in law to “limit your losses” – if a “cash” only supplier was substantially cheaper to then this would be one hell of a strong argument!

• Roger1* says:

  14 Jun14 June 08:09

  The MBNA/M&M letters dropped on our doormat this morning. Similar to the AA and VS letters but with the promise of a £15 credit by the end of August if our accounts are still open.

  We would in theory have 3 Horizon cards each, so 6 between us. We don’t need them all! I plan to ask MBNA to combine mine into one account with a combined limit.

  • Rob says:

    14 Jun14 June 08:41

    No £15 credit for me. And, according to the back of the letter, I put six figures on the card last year, albeit mainly all VAT, PAYE etc.

    • c55 says:

      14 Jun14 June 10:25

      No £15 credit for me either…..and they say I spent just over a quarter of a million on the m&m card last year!

      I hope common sense prevails and at least they give us Frequent Traveller status for even one day, so that the policy described above by riku2 kicks in: –

      “How long will my miles remain valid if I lose my Frequent Traveller, Senator or HON Circle Member status?
      For as long as you have a given status, irrespective of which one, your miles will not be subject to mileage expiration. Mileage expiration is only reactivated when Frequent Traveller status is lost. From that point onwards they are valid for 36 months and then expire at the end of the quarter.

      An example: your Frequent Traveller status expires on 1 March 2019. If your status is not renewed or a new status achieved, your miles will then be valid for a further 36 months – until 1 March 2022. They will expire at the end of the next quarter, i.e. on 31 March 2022.”

  • Alan says:

    14 Jun14 June 09:59

    Good plan, am planning the same. I got £55 AA, £15 VS White and £0 VS Black.

• Mikeact says:

  14 Jun14 June 08:11

  Re Tesco/Curve…interesting, charges only ‘paused’.

• Paul says:

  14 Jun14 June 08:52

  OT…
  Referred wife for Amex Plat, from my Amex Plat. How long does it usually take for referral points to post? And also I assume I’d need to wait for those referral points before closing my Amex Plat?

  • Rob says:

    14 Jun14 June 08:56

    48 hours from acceptance. And, er, yes.

    • Rob MC says:

      14 Jun14 June 11:17

      I referred someone on Sunday yet still no referral points

      • Rob says:

        14 Jun14 June 11:19

        But did they get immediate approval?

    • Jimbob says:

      14 Jun14 June 12:48

      In my recent experience you generally get the referral bonus, the same day the card comes through the post. So about 7 days after acceptance

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