Maximise your Avios, air miles and hotel points

Your Miles & More Diners Club and Mastercard are closing in April – what does this mean?

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

As we exclusively revealed back in November, there are big changes coming to the Miles & More Global Traveller payment cards.

The cards were closed to new applicants in November 2020.

Existing cards are now being closed too.

Letters have started to go out to existing cardholders saying that the existing cards will close two months from the date of the notification. From the example I saw, this means 4th April.

HFP Lufthansa Miles & More credit card

Both the Diners Club and Mastercard will cease to work from that date.

You may want to download or print your card statements before they become unavailable.

Will I receive a refund of my annual fee?

Yes. A pro-rata annual fee refund will be made.

What does this mean for mileage expiry?

It could be tricky.

The credit card website says:

“Your card will no longer function from two months after the date of the letter you received. From that moment onwards, if you are not a Miles & More status member, any award miles older than 36 months will start expiring as per the Miles & More Terms & Conditions.

This is clearly a disaster for anyone who has built up miles over a number of years and has been ‘protecting’ them with the card.

Even if a replacement card does launch in ‘Summer’ as originally promised, there is likely to be a gap between cancellation of your existing card and the opening of applications for the new one.

I wouldn’t panic at this point. When the MBNA Miles & More credit card closed, Lufthansa was very good at putting interim arrangements in place. I would expect that to happen this time.

The letter you will receive is more positive than the website and says “Lufthansa will be in touch about the ‘no mileage expiration’ benefit.”

Is there still going to be a replacement card?

Good question. The original plan was that there WOULD be a replacement card.

Since November, it had been showing this image:

The website,, was now branded as Cornercard. Cornercard was to be the issuer of the new Visa card in ‘Summer 2021’.

Things may have changed though.

Now, the website is a lot less bullish. The wording is:

“All UK members are very important to Miles & More and Cornercard UK Ltd. Both parties are currently evaluating options together.

If you would like to be kept informed about the launch, please register your interest so that Cornercard UK Ltd. can contact you with more information as it becomes available.”

One snag may be getting accepted for the new card

Even if there is a new Visa card launched, it is clear now that existing cardholders will not simply be transitioned to it.

It will require a fresh application. Given that lenders are very cautious at the moment, there is a far greater chance than usual that you will be rejected, especially if you are not currently working, are on furlough or are self-employed.

Why is the existing card being closed?

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.
Miles and More Diners Club payment card

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 a miles goldmine.

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

I now need to pull my finger out and start pushing through payments so that my 31st July 2021 self-assessment payment is made before 4th April.

Was it profitable?

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.

Next steps

I honestly don’t know. I expect an email from Lufthansa to arrive giving some warm words over the security of your mileage balance, at least for the short term.

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? – November 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.

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 Preferred Rewards Gold

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

The Platinum Card from American Express

30,000 points and unbeatable travel benefits – for a fee Read our full review

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:

American Express Business Platinum

40,000 points sign-up bonus and a £200 Amex Travel credit every year 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

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 and no annual fee Read our full review

Comments (47)

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

  • FCP says:

    If Only Curve and Amex could kiss and make up….

  • Rob says:

    You will no longer have the card though.

    I had a message from someone I know who works in Lufty’s partnerships team and apparently things are further advanced than Affiniture is saying. I wouldn’t be worrying.

  • Daniel Snowden says:

    I just got the email from Lufthansa confirming that they’re extending mileage protection for non-status customers until 31st December.
    They’re looking for options for a Miles and More credit card, hopefully they’ll have something in place before then. I can’t remember how long it was between the MBNA card closing and the Affiniture card becoming available

    • Rob says:

      31st December is not a great offer, frankly. You might think ‘well, I can book by then and fly in 2022’, but any cancellation of your flight would mean immediate mileage expiry when the miles were returned. That said they seem confident that the new product will launch.

  • Simon says:

    The wording sounds as if you need to take some action for it to be extended till 31st Dec though.

    ‘ happy to extend..’ as opposed to ‘..will be extending..’

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

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.