Maximise your Avios, air miles and hotel points

Buy up to 266,666 Avios for 0.83p each – if you are willing to take a little risk

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If you are looking to top up your Avios balance and are willing to take a small risk, there is a very interesting opportunity available until 18th September.

Oddly, the thing you will be doing is buying Finnair Plus Points.

You can, indirectly, buy up to 266,666 Avios for 0.83p this way.

Buy up to 400,000 Avios for 0.83p via Finnair Plus

Finnair is joining Avios in ‘early 2024’

As we covered in detail in this article, so I won’t repeat everything, Finnair is switching from Finnair Plus Points to Avios in ‘early 2024’.

It has already been confirmed that the conversion rate from Finnair Plus Points to Avios will be 3:2 and that you will be able to move Avios from Finnair into other Avios programmes such as British Airways Executive Club.

Finnair is offering a 100% bonus when you buy Plus Points

Until 18th September, Finnair is running a bonus when you buy Plus Points.

The bonus is staggered and looks like this:

  • 5,000 to 19,000 Finnair Plus Points – 40% bonus
  • 20,000 to 49,000 Finnair Plus Points – 60% bonus
  • 50,000 to 99,000 Finnair Plus Points – 80% bonus
  • 100,000 to 200,000 Finnair Plus Points – 100% bonus

At the top end, you can buy 400,000 Finnair Plus Points (200,000 base + 200,000 bonus) for a total of €2,575.

Assuming you pay with a 0% FX fees credit card, the cost would be £2,201. This is 0.55p per Finnair Plus Point.

Buy up to 400,000 Avios for 0.83p via Finnair

What does this mean in terms of Avios price?

Remember that Finnair Plus Points will convert to Avios at 3:2 ‘early in 2024’.

This means that you would have paid £2,201 for 266,666 Avios.

This is 0.83p per Avios.

0.83p is exceptionally good value, and as cheap as you will ever see. You should be getting well over 1p per Avios of value if you are redeeming for premium cabin flights, especially if you are using a British Airways American Express 2-4-1 companion voucher.

To put this in context, the cheapest Avios Subscription price is now 0.99p per Avios. This is based on paying £1,989 for 200,000 Avios, dropped into your account at 16,667 per month. Buying via Finnair is 16% cheaper and you should get them faster.

What are the risks of doing this?

This is clearly NOT a risk free deal.

We don’t normally recommend that you stockpile Avios that you don’t intend to use in the next few months. You can’t get your money back if there is a major Avios devaluation before you can use them.

There are extra risks with the Finnair deal:

  • you won’t get your Avios until ‘early 2024’ – although, of course, you can redeem them at any time via Finnair Plus for flights on BA and oneworld alliance airlines (at ‘not great’ rates) if you had to
  • Finnair may backtrack on its decision to join Avios
  • Finnair may change the announced ‘3 for 2’ conversion rate of Finnair Plus Points to Avios
  • your Finnair Plus Points could expire if the deal was substantially delayed, although any earn or burn activity every 18 months will keep them alive

To be honest, I’m not too worried about the final three points above. Even though Finnair’s CEO has just resigned – and the new person could potentially hate the idea and try to stop it – I suspect contracts are signed and the IT integration is progressing.

The real risk is that changes occur to the Avios programme in the months before you can get your hands on the Avios. However, oddly, if Avios did devalue hugely then you might appreciate having a pile of Finnair Plus points which you could use to book BA or other oneworld redemptions.

It’s up to you, of course.

The page to buy Finnair Plus Points is here. The offer runs to 18th September.


How to earn Avios from UK credit cards (December 2023)

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

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

Barclaycard Avios card

Barclaycard Avios Mastercard

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

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £12,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

SPECIAL OFFER: Until 9th January 2024, you will receive 30,000 Membership Rewards points (convertible to 30,000 Avios) with American Express Preferred Rewards Gold. You receive 25,000 points if you spend £3,000 in three months and a further 5,000 points if you hold the card for 15 months. You can apply here.

SPECIAL OFFER: Until 9th January 2024, you will receive a huge 100,000 Membership Rewards points (convertible to 100,000 Avios) with The Platinum Card. You receive 75,000 points if you spend £10,000 in six months and a further 25,000 points if you hold the card for 15 months. You can apply here.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points (TO 9th JANUARY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express

Crazy 100,000 points (TO 9th JANUARY) and a huge range of valuable benefits – for a fee Read our full review

Run your own business?

We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

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

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

40,000 points bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year 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.

Comments (103)

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

  • Frank Watson says:


    Thank you for keeping us up to date especially re BA sale and Avios.

    Just to say BA have increased their Avios rates at a number of hotels they offer on their BA Reward app in Spending. I was prepared to crash and burn 200,000 Avios on an hotel in Dresden about two weeks ago. Since then charges have increased enormously, needless to say we’ll not be using them this time around. Cheers Frank

  • says:

    Call me mad but I’ve decided to trust BA that next year’s sub, beginning in November, will be £1,789 as that is what it says on my plan page right now.

    Seeing as I’d get 0.85p per Avios from the Finnair deal (paying with AmEx), only 4.5% better than my plan, and in December, I’d have enough Avios for another couple of flights to Singapore *with Companion Voucher, not to mention the two flights I already have booked for Singapore, I shall politely pass on this offer.

    But, I’m certainly going to buy cheap Avios from Sainsbury life cover like someone suggested earlier! That really IS a no brainer!

  • s879 says:

    Is the Finnair offer cheaper than Avios Boost?

    • says:

      I did and cancelled my Avios Boost from yesterday. 0.92p per Avios I believe. Finnair is 0.83p (with all the caveats). I went from super excited to realising that I don’t really need the avios. And, not to be a complainer, but actually you can get decent cash indirect fares on the likes of Finnair and Qatar from places like Oslo to Singapore. But its all good fun so I guess one can choose their preferences.

    • Rob says:

      Yes, now the initial 10% extra Boost bonus is over.

      • Erico1875 says:

        If there is a significant drop in boosts, I wonder if they will bring back another discount?

  • says:

    How very helpful! Thank you! Good of you to share the info.

  • Sven says:

    So do I get this correctly? In the FAQs it says

    “Yes, you can exchange 3 Avios for 1 Finnair Plus tier point.”

    It also says:

    “We will convert all Finnair Plus members’ tier point balances in early 2024 with a 3:2 ratio to correspond to the new tier limits. This means that for example, 30 000 tier points will be 20 000 tier points. All Finnair Plus members will maintain the tier they are on at that time and won’t drop down to a lower tier.”


    “Your tracking period will stay as it is and there are no changes to Finnair Plus members’ tracking periods.”

    My math:

    1. Buy 200.000 Finnair Points get 400.000

    2. Convert to 133000 Tier Points (Finnair)
    only 20.000 more are needed for Finnair Plus Platinum (BA Gold / Emerald)

    2. Next year 150.000 Points convert to 100.000 tier points new system

    3. Not yet clear what Finnair will decide but might be enough to extend the Plus Platinum status

    Does anybody have more info?
    Looks like Emerald on Finnair is to have for roughly 3000 Euro and they promise that no one is downgraded in the new system. And not to forget that Tier points in the new Finnair system are spend-based.

    Could not find anything that for the Plus Platinum status any actual flights are needed.
    Only for Finnair Platinum Lomo they state a flight requirement.

    Or did I miss anything?

    • Rob says:

      There are caps on transfer to tier points, although I have read that they are ‘per transaction’ caps and you can do multiple.

    • John says:

      Huh? Pay 3000 euros to get OWE but not actually go anywhere? There must be plenty of ways to get OWE for less than that and you get to travel.

      • Memesweeper says:

        A horrific multi stop TP run from Sophia to the far distant oceans via Helsinki might get gold for under 3k EUR, but if your cash rich and time poor, or just need the status and value your sanity, this could appeal.

      • Novice says:


  • numpty says:

    nobody going for the £1200 cash back offer!? I imagine that will get a manual check before issuing.

  • jannis says:

    Me a single holding 400k and 4 vouchers atm thinking about whether to buy more avios or not

  • Andrew says:

    Hi Rob,

    Can you please. I have a 2-4-1 voucher ending soon and I am thinking of using it as an open jaw.
    LHR to Dubai
    However I am not too clever with the open jaw. Can you please let me know what are the possible option for the return to LHR from Asia or Middle East (excl Dubai) that I can utilise? Many thanks

    • Andy says:

      The distance between your arrival and departure airports can’t be more than the distance of your longest flight. You can use various online tools to check the distance(s). Need to call to book.

      • Andrew says:

        Thank you.
        Any example of cities will be very much welcome.
        Any tools website you can recommend? Cheers

      • JDB says:

        It’s not the longest flight, it’s either flight. The ‘surface’ sector cannot be longer than either of the other flights.

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