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An Avios windfall for anyone who has a Tesco Bank mortgage

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Back in May, we covered the announcement that Tesco Bank had decided to pull out of the mortgage market.

It was recently announced that Lloyds Banking Group had bought the ‘book’ in a £3.8bn deal.  It paid 2.5% over the face value of the outstanding loans.

It seems that Tesco Bank is being more than fair with compensation to mortgage holders who will no longer be able to collect Clubcard points on their mortgage payments.

Tesco Bank mortgage book sold to Halifax

For customers on a fixed rate or tracker mortgage, they will receive – in one chunk – all of the Clubcard points they would have earned over the remaining term of their fix or tracker deal.

For anyone on a standard variable rate, they will receive a one-off payment equivalent of 12 months of Clubcard points.  This is generous, given that the customer could then immediately remortgage.

The reader who sent me details was in line for a payout of 23,000 points, worth 55,000 Avios.

how to earn avios from credit cards

How to earn Avios from UK credit cards (May 2021)

As a reminder, there are various ways of earning Avios from UK credit cards.  Many cards also have generous sign-up bonuses.

There are two official British Airways American Express cards:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points, such as:

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee 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.

Do you have a small business? Until 20th May 2021, you can receive a special sign-up bonus worth 29,900 Avios with the Capital On Tap Business Rewards Visa credit card. This offer is exclusive to Head for Points readers. Click here to learn more.

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

Comments (70)

  • Qwertyknowsbest says:

    I know much has been said here about currency conversion companies for personal use. I am looking for a better business offer on currency purchases and making overseas payments than currently we get from our bank. Better still if also a points earnings opportunity. Currently considering Fxpert, who beat our bank on exchange rates and costs for payments.

    Any other suggested players for consideration would be appreciated.

    Thank you.

    • Shoestring says:

      It’s easy to beat rates offered by most banks. I used to use HIFX a lot (now XE) – very fair rates & excellent service. They are currently in second place for me behind worldremit – who not only offered better rate and transaction fee but also periodically offer up to £55 discount for new customers (I’ve had it 4x).

      Also worth exploring this outfit – which I’ve not yet used but when I did a dummy transaction, were the best on the market for rate.

      • Harry T says:

        Go on, Harry – how are you managing to be a new customer four times? I need to transfer over some more Aussie dollars.

        • Shoestring says:

          self, wife, son 18+, cheeky self again on different discount program

          they didn’t care that I was transferring money to the same overseas bank a/c or that we all live in the same house – but I did use different email addresses

          • boi says:

            Harry please send me a referral for worldremit. I want to try it out

          • Shoestring says:

            tempting – £20 each – unfortunately they use first names as part of the referral code & I’m too shy – I think it would stop you getting your £50 discount though so probably better to wait until that pops up again

            or maybe Raffles could get in on the deal, ie sign up to WR, send £s to Germany, after that generate referral codes @£20 a pop for both parties

      • Mr(s) Entitled says:

        I’ve moved hundreds of thousands in USD/GBP through XE without compliant over the past decade. The rate is good and for larger transactions you can get marginally better if you call to place the order. I would recommend them.

      • Qwertyknowsbest says:

        Thanks Harry and all, much appreciated.

    • Rob says:

      Midpoint –

      Amex also offers MR points on currency conversions when doing it for a business.

      • Roger says:

        Any link please?

        • boi says:

          I have used xendpay- they are the closest to rates on revolut (eg revolut GBP/USD 1.250 and I got 1.2496 with them). If you want I can refer you and we both get £10.
          Also used currencyfair-referral is 30 euros. very quick transfer and you can set a future rate to trigger automatically.
          I found the 2 above better than xe.

  • Benylin says:

    OT: Best place to buy Marriott points? Need c9k
    Is it worthwhile?

  • rob says:

    I am scheduled to fly HKG – DUB on 13th February. Booked using Alaska Miles.

    Rung Alaska and they said my flight is still showing as confirmed. What should I do here as my flight is evidently not going to happen. Is there any obligation to rebook me?

    • Shoestring says:

      why is your flight not going to happen?

      • Peter K says:

        Assuming it’s on Cathay it’s because they have ended that route over the winter months.

        • Shoestring says:

          oh right – it doesn’t come under EC261 as it’s a non-EU carrier flying *into* Europe

          you’d have to check Cathay’s T&Cs as they are the operating carrier

          or ask here for an expert answer

        • rob says:

          Hi peter

          Yes that’s exactly the point I was making. It’s Cathay which is now apparently cancelled. Except I’ve had no confirmation of that.

          • Peter K says:

            It was mentioned on OMAAT yesterday as well as here today. It’s contact Cathay (maybe via live chat or better still, email) asking if the flight is on and for confirmation if not. Via email you can then send this to Alaska as proof it is not running and then get them to chase for you.

  • Chris says:

    O/T but anyone tell me how the Virgin Credit card companion voucher works. Wondering if it triggers on spend or at next statement cycle. Also once it’s triggered where do you find the ticket?

    • stevenhp1987 says:

      Supposed to trigger right away. Mine took around 3 weeks.

      Appears as a line item on your flying club statement online. “Virgin Atlantic Reward+ Credit Card – Reward Qualification”

  • Sk123 says:

    OT: Have I missed the deadline for the Tesco – Virgin auto convert to get 1000 miles?

  • Rain333 says:


    Looking to rent a car for a week in Oman. What do you savvy folk use to get the best value rentals? I usually go for kayak and/or priceline as aggregators, but I recall seeing suggestions on some other more obscure websites and/or codes.

    I’m an Amex Plat/Marriott Plat and have checked with Hertz but prices are much higher than kayak is offering me even with 15% discount, and no real need for an additional driver.

    Any input appreciated!


    • Ken says:

      Before I would even consider Hertz Ii would make absolutely sure that location is covered by both upgrade and free additional driver.
      I barely value the 5 star that comes with Platinum at anything

      • Rain333 says:

        Yes I don’t think I’ll be using Hertz anyway.

        Random question, does Amex Plat car insurance cover going off-road? I’m going through the documentation and there’s nothing explicit about this as an exclusion, but they do have this as a clause:

        However, certain sports and activities are excluded. If You are going to take part in any sport or activity that could be considered dangerous or may fall outside usual holiday sports, please call American Express Platinum Card Services in advance of undertaking any such activity”

        TO be fair a lot of sports / activities could be considered DANGEROUS? Anyone have any experience with this?

        • Chrisasaurus says:

          Whether or not the Amex insurance covers it, the car rental agreement will quite specifically forbid it.

    • Rob says:

      Australian Hertz site with Plat CDP

    • Lady London says:

      If you’re staying at a decent hotel I’d look at booking it through the hotel or at least asking them. Oman may be the kind of place where a quality local player with a reputation to protect would be better. For sure I’d only use Hertz if it’s a Corporate, I.e. Hertz-owned rather than franchised location.

    • EwanG says:

      @Clive (and any others using
      I’ve not been impressed by them so far, except on price. In short I think they are from the Accor (loyalty) school of customer service which is reply fairly promptly to emails but they’ll not answer the explicit question being asked, make it up as they go along and not look at it from the customer perspective (even if they are wrong).
      I’m not inclined to use them again.

    • pauldb says:

      You could also try and – essentially accessing US rates, possibly without insurance. I’ve never had problems booking with either.

  • boi says:

    OT: Is there a way to earn bluebiz on virgin flights with the virgin/flying blue merger?
    Also is there a refer a friend for the fyingclub?

  • Clive says:

    Rob any reason why my reply to the car hire question was not posted?

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