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You can no longer get the Lufthansa payment card – bad news for those paying HMRC

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It seems we were correct when we wrote a few weeks ago that something seemed to be ‘up’ with the Miles & More Global Traveller payment cards.

The cards have now been closed to new applicants.

HFP Lufthansa Miles & More credit card

A replacement card – purely a Visa, as I suspected – will replace it in ‘Summer 2021’.

IMPORTANT: For some weird reason, the link to the account management part of the old website has gone. Click here to be taken to it. If you have the card, I recommend bookmarking this link.

Why was this such a great card?

The Miles & More Global Traveller Card was, to put it mildly, a weird product.

  • You received a double pack of a Diners Club card and a prepaid Mastercard debit card (yes, you read that right – a Diners Club card and a prepaid Mastercard)
  • BOTH cards earned a whopping 1.25 miles per £1 spent, an astonishingly good rate for a non-Amex card
  • You could NOT run a balance on the card – you had to pay it off in full each month
  • If you had the card and used it each month, it stopped your Miles & More miles from expiring. Miles & More miles have a ‘hard’ expiry – they expire 36 months from when you earn them, irrespective of your activity. This is FAR tougher than the Avios policy and makes it incredibly hard to build up a large balance.

This was an outstanding product for paying personal tax to HMRC

Because the Mastercard was techinically a prepaid debit card, you could use it in many places where credit cards were not accepted.

The key one was HMRC. You were not allowed to use it to pay business taxes – you would get a warning from the card issuer if you did – but it was fine for personal tax. There were no fees attached.

If, like me, you are self employed and paying substantial amounts of income tax via Self Assessment each year, it was (and remains, as long as they don’t cancel existing cards) a miles goldmine.

As Lufthansa is part of Star Alliance, the miles got you access to redemption flights across 26 airlines.

Miles and More Diners Club payment card

Why has the card been closed?

This is my best guess. I could be wrong.

The issuer was Affiniture, which has the Diners Club licence for the UK.

Because Affiniture knew that no-one would apply for a pure Diners Club product, they did a deal with Cornercard – which issues Lufthansa cards in other European countries – to add the prepaid Mastercard element.

Charges from both cards went onto the same statement and you paid your bill to Affiniture.

The problem, I am guessing, is that usage of the Diners Club element was virtually nil. I have put substantial sums of through my Mastercard over the last couple of years but diddly squat on the Diners Club card. A few months ago I actually cut it up.

Where Affiniture went wrong was having the same earning rate on both cards. If the Mastercard had earned 1 mile per £1 and the Diners Club card 1.25 miles per £1, I would have used the Diners Club card to settle big bills such as hotel stays or flights. These transactions would have been far more profitable for Affiniture.

I still wouldn’t have bothered to carry the Diners Club card around day to day, even if it did earn more miles, but I would have made the effort to use it for four figure payments.

However, as both cards earned the same rate, I didn’t need to bother.

The new card will be purely a Visa

What appears to have happened is that Affiniture has walked away from the deal.

The website, milesandmorecards.co.uk, is now branded as Cornercard. Cornercard will be the issuer of the new Visa card in ‘Summer 2021’.

The new card looks like the old card

Nothing appears to be changing with the new Visa card, either physically (see the image above) or in terms of benefits.

The sign-up bonus is still showing as 5,000 miles and the earning rate still shows as 1.25 miles per £1.

The card is being described as a charge card, but it may technically remain a prepaid debit card. It must be paid off at the end of each month.

The only question mark is over the £79 annual fee. There is no mention of a fee on the website. This either means there won’t be a fee or Cornercard has yet to decide what it is.

What can I do now?

Nothing.

It isn’t clear if the current Diners Club / Mastercard package will be withdrawn, either immediately or in Summer 2021 when the new Visa card launches. Existing cardholders should sit tight for now.

If you don’t yet have this card but like the sound of it, you will need to wait until Summer 2021 to apply.

We will keep you updated with news as we get it, although neither Affiniture or Cornercard have chosen to engage with us in the past.


Want to earn more points from credit cards? – August 2022 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

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

American Express Amex Gold

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

60,000 points, £200 travel credit and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback (3% on business travel for four months) and no annual fee Read our full review

Comments (43)

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

  • Sina says:

    I’m guessing the Lounge benefit is gone as it was part of Diners Club, so if true, effectively lost a benefit. Although personally I don’t have a use for it!

    • Maciek says:

      I thought the free lounge benefit was withdrawn from DC cards a few years ago. This card only came with a voucher for LH lounge on signup if I remember correctly.

    • Rob says:

      Fair point. Was effectively the same deal as buying a basic Priority Pass and you effectively got the payment card thrown in!

  • The Original Nick says:

    That’s a shame as I was looking at getting the cards soon. I have 5000 miles in my Lufty account which I don’t know what to do with now. Any suggestions anyone?

    • Rob says:

      What is minimum Heathrow Rewards transfer in?

      Could use them for money off a hotel booked via the LH portal.

    • Lady London says:

      Miles & More may well do a double-value for points on their shopping catog now/around Thanksgiving or at least some uplift if you really want to get rid of small(ish) miles amounts. The .de version had a better aelection in some departments.

      Can be quite good for a few small electronics items if you pick carefully.

      Speaking of LH, their business scheme is well worth joining but like BA On Business,make sure there’s an offer that will give you something more, usually shortly aftee joining, before you do.

    • Alex Sm says:

      There was an article recently about what to do with a small number of orphan miles

    • Oh! Matron! says:

      I used my orphaned M&M miles to “buy” a prepaid card from their shopping portal. Don’t know if you can still do this but worth a punt

  • Mariusz says:

    Held the card for almost two years just to stop 30k miles from expiring.
    That’s almost £160. Had no use for them in the past 6months either and really not sure when I will be able to use them. Decided to cancel the card last month.
    Also, really poor from M&M that in the covid times they did not extend the validity of the points.

    • TGLoyalty says:

      You didn’t use the card at all?

      I’ve managed to build a balance of around 85k over the past 1.5 years with about 55k coming from card spend.

  • Tetly1967 says:

    Same as TGLoyalty – built around 85k despite having not flown with Lufty since this time last year.

    @Rob re “the link to the account management part of the old website has gone!” i had to flush my internet history and cookies to be able to access the account management stuff again.

  • CC says:

    So what now for paying HMRC? I just sold my BTL and have 26k CGT bill, apart from IHG via curve is thee anything else? Has anybody tried the MBNA visa horizon card? Only £130 cash back buy better than nothing.

  • AndyC says:

    As an existing holder of both cards, all I can say is that Affiniture customer services has been great for carrying out Chargebacks against reluctant ÔTA and airline COVID-related cash refunders.

  • David says:

    Yes, I’ve had some telephone dealings with them on everything from getting the card setup for Apple pay through to some card fraud too – everyone I dealt with was very good.

  • Ammar says:

    Applied on 7/11 – got an email a day later stating its sitting with credit team. Do you think It will go through or should I have a back up plan for my SA Bill in January? Cannot remember if any extra charges now for Curve metal customers if using a business debit card – how can I tell if its personal or business debit card?

    • Joseph Heenan says:

      They definitely have a backlog of applications (see my post on next page!). I presume already in progress applications would go through for the current card though.

      HMRC charge a fee for the curve business card – if you have this it should say ‘commercial’ on the back.

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

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