Maximise your Avios, air miles and hotel points

How to earn miles on HMRC tax bills via debit card, American Express, Curve, Miles & More or Revolut

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When HMRC stopped accepting personal credit cards for tax payments in January 2018, it was a blow for many HFP readers who used the Inland Revenue to rack up a substantial number of miles and points.

Even a relatively small business like Head for Points has a chunky liability when you factor in our VAT payments, PAYE and my own personal tax and national insurance – over 70p of every £1 HFP receives goes to the Government.

The good news is that there are still various ways to earn miles and points when paying your 31st January self-assessment tax bill or your February VAT bill.

Tesco Bank debit card earn Clubcard points

METHOD ONE – Via a debit card, using a Tesco Bank current account

Not a lot of people know that, if you have a Tesco Bank current account, you earn Clubcard points when you use your DEBIT card.

Surprisingly, the rate is OK – 1 Clubcard point for every £8 you spend.  1 Clubcard point is worth 2.4 Avios, 2.5 Virgin Flying Club miles, 3p of credit or various other deals.

You cannot earn points when using a Tesco Bank debit card to pay a ‘financial services institution’.  You won’t earn anything paying off your credit card bill or transferring money into a savings account.  HMRC is NOT classified as a financial services institution.

For every £1000 of tax you pay, you would earn 125 Clubcard points which is 300 Avios.  There is no fee to pay as this is a debit card, but of course you do need a Tesco Bank current account.

Unfortunately, Tesco Bank is no longer accepting new applications for its current account.  If you don’t already have one, it is too late, unless Tesco Bank decides to re-open the product with identical benefits.

Billhop pay bills on a credit card

METHOD TWO – Via an American Express card, using Billhop

We have covered Billhop a couple of times and a lot of readers have used it.

Basically, Billhop pays your bills for you – directly into the bank account of the recipient – and charges your credit or charge card.  The transaction goes through as a purchase.  You earn miles and points and it counts towards spend bonuses such as the British Airways American Express 2-4-1 voucher.

Registration with Billhop is freesee here – so you have nothing to lose by signing up and seeing how it works.

If this sounds too good to be true, there is a catch – the service is not free.  There is a 2.95% charge on every payment you make, i.e. if you pay a bill of £100, you will pay £102.95 in total.

This is an expensive way of earning miles or points.  It IS something that you will find useful if you are struggling to hit the ‘£4000 spend in 90 days for 30000 bonus points’ target on a new American Express Platinum card for example, or need to pump up your spending towards your next 241 voucher.

This HFP article explains in step-by-step detail how to set up a Billhop account.

The company was founded in Stockholm in 2012 – where it has proven very popular with the frequent flyer community – and launched in the UK in 2016.  The company is fully regulated in Sweden (which, under EU passporting rules, means they are regulated here as well) and, in any event, your money is fully protected because all payments are handled by an established bank. Billhop never has access to your funds, apart from the fee.

Curve Card

METHOD THREE – Via a Visa or Mastercard card, using Curve

Curve is a Mastercard DEBIT card that recharges every purchase you make to a linked Visa or Mastercard.

This is why Curve Card is worth having:

You make your debit card purchase using your Curve Card

Curve recharges it to your linked Visa or Mastercard credit card

It goes through your linked Visa or Mastercard credit card as a purchase

It therefore earns points from your linked Visa or Mastercard

You have just earned credit card points from making a debit card transaction

And the best bit is that Curve Card is free.  In fact, it is better than free – Curve Card will pay you £5 for taking it out.

It actually gets even better, due to two additional Curve Card benefits:

You can withdraw £200 of cash per month from an ATM and have it charged to your credit card as a purchase – this means it earns miles and points. 

Foreign currency transactions made on Curve are recharged to your linked Visa or Mastercard in Sterling with no foreign exchange fee (Mon-Fri, 0.5% fee at weekends).  This makes it a better deal than using the underlying card which is likely to have a 3% FX fee.  Foreign currency ATM withdrawals incur an additional £2 fee.  Your monthly FX limit will depend on which variant of Curve Card you hold.

That’s the good news.  Here is the bad news.

Today, Thursday 23rd, is the last day that you can pay HMRC using the free Curve card and not pay a fee.  From tomorrow, there is a 1.5% fee on HMRC payments.

The fee is waived if you pay £150 per year for the Curve Metal premium version of the card.  If you are a very heavy spender, this may still be worthwhile.

If you want to find out more, I ran this article on Monday which runs through the maths of using Curve Metal to pay HMRC going forward.

The Curve Card is FREE so there is no harm in trying it out.  If you use a refer-a-friend code when you sign up – my code is OQB4J – you will receive £5 off your first transaction with the card.  You must use a referral code to get the £5 credit.

The Curve website is here if you want to know more.  You need to download the Curve app for your phone and order a card from there if you want to try it out.

Paying tax with the Miles & More Mastercard

METHOD FOUR – Using the Miles & More Global Traveller Mastercard

You may be confused about this suggestion.  After all, I told you at the top of the article that HMRC no longer accepts payments by credit card.

The Miles & More Global Traveller card IS accepted, however.

The reason it is accepted is that, technically, this is not a credit card.  It is a prepaid Mastercard.  You need to read our full article on the Miles & More Mastercard to understand exactly how it works, but basically:

when you apply, you get a Diners Club (really!) card and a Mastercard

when you spend on the Mastercard, it is treated as a prepaid debit card and – at the point of purchase – Diners Club (silently and in the background) loads on enough money to fund the transaction

In practice, it works in exactly the same way as a standard charge card.  Note that, as a charge card, you MUST clear your balance at the end of each month.

The card has a £79 annual fee and a 5,000 Miles & More miles sign-up bonus.  You earn a whopping 1.25 miles per £1 spent.

You should NOT use this card to pay VAT or business taxes.  People who have done this are getting into trouble, since the card is only meant to be used for personal transactions.  Your statement does break out the exact type of tax which was paid.  I have not heard of anyone getting any push back for paying self assessment.

I am only scratching the service of how the cards work here, so please do read our full Miles & More Global Traveller review.

Using Revolut to pay HMRC

METHOD FIVE – Using a Revolut, Monese etc account topped up with a credit card

I do not recommend this because the big clampdown has already begun.  However, there are often ways of loading up online bank accounts run by the main fintech companies with a credit card, in ways which allow the transaction to be seen as a purchase.   You can then pay your tax bill using the debit card supplied with the account.

Until last week, for example, you could load a Monese account at a Post Office using your American Express card.  Similarly, until last week, you could load a Revolut card with a Virgin Atlantic credit card.  Neither of these options now work – the Post Office has blocked Amex transactions and Virgin Money is charging cash advance fees for Revolut loads recharged to its credit cards.

As a matter of editorial policy we do not encourage such opportunities on Head for Points because they operate in a grey zone and, in any event, would be closed quickly if widely publicised.  They are often discussed in our reader comments.


The good news is that it wasn’t totally ‘game over’ for earning miles and points from HMRC when the Inland Revenue stopped accepting personal credit cards.

The routes above are a bit fiddly, but if you are the sort of person who doesn’t like leaving miles on the table then they are worth a look.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

Comments (234)

  • mark2 says:

    On Topic:
    When I pay credit cards etc. from Monese (and previously from Revolut) I use the ‘Pay’ facility which goes through FastPay. Also any other payments where cards are not accepted e.g. kennels.

  • Qwertyknowsbest says:

    Following on from my earlier post re Curve send incurring cash advance fees, you maybe interested in Curves response to my query.

    The ‘game’ continues to change.

    From Curve-

    Since the introduction of our new technology (following the email we sent on the 17th of Sept), we are now passing through the merchant category code (MCC), which may cause some underlying card issuers to block or charge purchases specifically related to financial services (e.g. credit bills, investment platforms, top ups, etc..). For more information, please see here –

    Some transactions may result in charges being levied by certain issuers, dependent on their own terms of service. We suggest contacting your card issuer to inquire further about their T&C’s regarding these types of transactions.

    • Shoestring says:

      [we will now be passing more accurate MCC information to your financial institutions. Another benefit is that your purchases with Curve may earn you card rewards for certain eligible payment cards.

      Some transactions may result in charges being levied by certain issuers, dependent on their own terms of service. For example, your card issuer will be able to identify cash withdrawals from your payment card, therefore withdrawing cash from a credit card is not recommended.]

    • jc says:

      The game isn’t changing, they’ve just misunderstood your question. That response is their stock response from SEPTEMBER 2018, when they started passing MCCs through to the underlying card on everyday purchases. NOTHING to do with Curve Send.

      The correct answer for Curve Send is: Curve Send uses MCC 4829. Curve is clear about this on their website. Most CC providers (including Virgin) treat 4829 as a cash advance.

      • Qwertyknowsbest says:

        Game is changing, it always changes. As we try to benefit from sweet spots or openings, providers in time catch on and change.

        • jc says:

          OK – “what you mentioned in your comment is not an example of any game-changing”, if we’re being pedantic

  • Vic Victor says:

    If you withdraw money using curve, your credit card will charge you! They send the details of the transaction as atm and the bank will charge you (natwest on my case).

    • EwanG says:

      if you have an ATM withdrawal transaction as pending, now would be a good time to use GBIT

      • jc says:

        Generally too late by then, it’ll usually still clear and then be refunded, and the cash advance fee will stay. CC provider’s discretion whether they’ll undo this once they see the refund.

        • Scott says:

          I topped up Revolut using curve (backed with Virgin CC), saw the cash advance fee.and used GBIT and charged a debit card.instead.

          Spoke to Virgin CS, the agent said since they can see the Revolut transaction has reversed, the cash advance fee should also reverse in a few days’ time – so will report back whether that is the case.

    • Dave says:

      Surely this completely negates the benefit of having Curve?!

    • andy says:

      Haven’t some credit cards been charging for a while via Curve but others haven’t? Or has the game really changed in the last few days?

  • Ashish says:

    Revolut and curve ended for manaffacture spend?
    What’s next?

  • Zoe says:

    So paying HMRC by curve baked by Virgin earlier today was a mistake? And it on holiday I should only use Curve with a debit card behind it?

    • Qwertyknowsbest says:

      HMRC still no fees, at least on the cards I last used one of which was a VA.

    • jc says:

      1) No, but paying after today might be (read the article)
      2) No, unless the only place you spend money on holiday is HMRC (fun holiday. read the article)

    • Daniel says:

      Depends where you’re holidaying. On the Virgin Credit Card statement I noticed this, so for European holidays you can just use the Virgin CC straight out and not be charged any ForEx fees if it matches the 3 currencies below.

      Important information about using your card abroad
      From 15 December 2019, we’re changing how you’re charged when
      you use your card or withdraw cash in any of the 31 countries of
      the European Economic Area (EEA). When you pay for something
      in Euros, Swedish Kronor or Romanian Lei, we won’t charge you a
      Non-Sterling Transaction Fee.

  • Tony says:

    Can anyone advise if Aqua is attracting same fees with revolut top ups?

  • Peter says:

    Best advice I can provide to anyone:


    No customer service at all, if any goes wrong you’ll only get to speak to a robot. You will not be able to communicate with a Human!

    • Chas says:

      Type “Live Agent” in the chat box with the robot, and it will connect you to a proper human. Successfully did that earlier today when I had some fraudulent transactions go through my account.

      • Chas says:

        Well for all I know she could have been improper, but our chat didn’t reach that level….

      • Mr. AC says:

        YMMV with that. At one point I needed to talk to a person, found that tip, and typed it in – no one. Tried the next day – no one again, and so on for 5 consecutive days. The only thing than got me connected was a formal complaint via the email address.

        On another occasion it worked fine, however, so I guess it depends on the queue. They advertise that the metal package users get priority over the free users.

        • Chas says:

          I’m a lowly free user. But perhaps because I had clicked through a menu option saying “I don’t recognise this transaction” I got prioritised.

  • Lynsey says:

    Platinum £10 a month Addison Lee. Can it be used in Edinburgh? If so m, how?


    • Jovanna says:

      Book an Addison Lee through their App. Make sure your Platinum card is stored as the default payment card in the App. The £10 will drop off your account at some point after the charge has hit.

      • EwanG says:

        From my experience in Edinburgh the charge from AL was processed about 3 weeks after the taxi ride and the £10 was credited a week later

        • Richard says:

          Tried to book a taxi in Edinburgh recently using the Addison Lee app (Amex Plat stored as default payment) but no success. AL app seems buggy and horrible and after several failed attempts I gave up. Very disappointing.