Maximise your Avios, air miles and hotel points

I finally blow my Miles & More miles, as I remember some benefits I had forgotten!

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This is a long story. It starts some time after October 2018, which was when Lufthansa launched a charge card in the UK.

This was the most bizarre reward card ever launched in the UK, perhaps even globally! It came as a double pack with a Diners Club card (!) and a prepaid Mastercard.

The prepaid Mastercard was automatically loaded from the Diners Club card whenever you paid with it. As I said, bizarre.

I finally blow my Miles & More miles

I had no Miles & More miles at the time and ignored the card at launch. A couple of months later, however, someone posted on HfP that the prepaid Mastercard could be used to pay HMRC.

Now it got interesting, especially for a self-employed guy who had large chunks of income tax, VAT and PAYE to settle ….

Obviously the party couldn’t last long and the card was closed down within two years. I’d run up a decent pile of Miles & More miles in that time though.

Miles & More miles usually expire after three years of earning them unless you have elite status. This is a hard expiry which activity on the account does not stop. However, Lufthansa generously put a hold on expiry for five years for ex-cardholders, albeit no-one knew at the time whether it would carry on from quarter to quarter. I sat on my miles, apart from the odd short haul redemption.

In June 2024 Lufthansa launched a status match for SAS EuroBonus Gold members, when SAS left Star Alliance. Rhys and I had SAS status from a media event the previous year so we jumped on this. My Miles & More Senator / Gold status was only valid to February 2025 but could be extended for a year by taking six flights, which I did.

I’m taking my son to Tokyo

Fast forward to this week. I still had 250,000 Miles & More miles, Senator (Gold) status until February 2026 and a 14-year old son who wants to go to Tokyo for the food and the manga culture. With my daughter tied up with A levels for the next nine months, we’re looking at a period of father-son trips.

(Long term readers may remember that my son has actually been to Tokyo before, in 2017, but as he was only six at the time he claims it doesn’t count!)

An Avios trip to Tokyo in the UK school holidays in business class isn’t happening with British Airways or Iberia, at least not with only six months notice. I could possibly have done it on Japan Airlines, Qatar Airways or Cathay Pacific but it would be pricey without a 2-4-1 Companion Voucher.

Lufthansa had reward seats on the exact Saturday to Saturday dates I needed but looked too expensive. Under the new semi-dynamic pricing model, which is actually pretty decent, it would be 195,000 Miles & More miles + £700 of taxes and charges per person.

I finally blow my Miles & More miles

I had forgotten two things though:

  • Senator (Gold) members of Miles & More get ‘buy one, get one half price’ on redemptions with Lufthansa, Austrian and SWISS. Not a one off, not once per year, but EVERY TIME. This meant that two business class seats to Tokyo wouldn’t be 390,000 miles for my dates, they would be just 292,500 miles.
  • You get a free 50,000 miles overdraft as a Senator member. This was not part of the original SAS status match – it is never offered during a status match – but unknown to me it was activated when I extended my status after taking six flights.

This meant that my 250,000 miles were enough. Well, they were enough as long as I didn’t mind going overdrawn. I booked.

My son and I have our business class tickets to Tokyo, and I have until the end of February to find a way of paying off my miles overdraft. In the worse case scenario I’ll buy the miles but I’d like to avoid that.

Even if neither aircraft is swapped from its current non-Allegris configuration, we’ve got some interesting flights on the way:

  • top deck seats on a Boeing 747-8 (Lufthansa, Korean and Air China are the only passenger airlines flying the stretched 747-8, with Lufthansa having 60% of them)
  • ‘throne’ seats on a SWISS 777-300 (these normally come with a hefty reservation fee but it is waived for Senator / Gold members)

Neither are cutting edge but both are a little special.

Conclusion

Miles & More gets a bit of a bad rap in frequent flyer circles, but for a Senator the ability to go overdrawn and the ‘buy one, get one for half price, unlimited times’ redemption benefit on Lufthansa Group airlines can’t be knocked.

It’s a shame that Lufthansa never found a way of getting back into the UK credit card market. It really tried – hence extending the miles validity of old cardholders for five years, to keep them loyal during the wait – but couldn’t make the maths stack up.

It is also impossible (for legal reasons in Germany) to transfer miles into Miles & More from any partner except Heathrow Rewards. All hotel partner transfers were scrapped.

This Japan trip may be my Miles & More swansong. I won’t retain Senator status beyond February 2026 unless I get an extension from my ITA Volare status when ITA joins Miles & More, and I take far too few Star Alliance cash flights to build a balance.

It is, however, great to go out in style with a special trip with my son.

Comments (92)

  • Paul (another one) says:

    Great to hear a success story like this. And I am doing similarly – managed to get just enough earned miles over the years to get to TYO in March. And booked just before dynamic pricing kicked in.

    I too looked at the overdraft option and decided the worst case would be a bundle purchase to do a top up.

    And lastly my SEN status will expire in Feb too and for me an occasional frequent flyer a £2000 extension is a waste of money but obviously YMMV

  • Panda Mick says:

    As an aside, bored senseless at 2am last night with jetlag, and hearing a flight overhead, I had a look at flightaware: All of the HND-Euro flights are polar, and there’s been a decent solar storm in the last couple of days. Would have been an amazing sight!

  • John G says:

    Rob, if you are still overdrawn and they come to charge you, take them to court claiming the miles have no value!

    • Jonathan says:

      If this was the case, they wouldn’t be allowing M&M members to be going overdrawn in the first place

    • JDB says:

      The idea that miles have no value has been comprehensively debunked as those who have won claims vs BA at CEDR/MCOL can attest.

      • John G says:

        Agree, yet LH still take that stance when it suits them! My comment was a little tongue in cheek.

  • PeterN says:

    We are thinking of a Japan trip next year but the tours are quite expensive mainly due to high cost of drivers and guides since Covid. Are you doing a tour or DIY?

    • Rob says:

      Japan is very easy to DIY, done it twoce before. This is just a few days in Tokyo doing boys stuff.

      • Michael C says:

        I love those sort of trips (no disrespect to OH!!).

        Son and I are doing Boston/NYC in Oct.: NBA, NHL and using up the
        weird Amex Dining Credit vouchers we bought online on 30 June!

        • JDB says:

          Me too, great trips and hopefully with all that tip top nurturing, it’s also an investment in the future! Now old Dad gets the invites on bonding trips, courtesy of a PPL and last night even to the soft opening of a new restaurant – Nela at the HfP disapproved of location of Whiteleys/Six Senses on Queensway.

      • Michael Jennings says:

        Japan Rail Pass is a wonderful thing, too. (I did a three week trip with one in 1994. Must do it again, someday).

      • Alex Sm says:

        Does Ghibli studios count as boys stuff? or girls? Or unisex in your universe? ☔

    • Jonathan says:

      Japan is very a DIY country for a tourist.

      When I went there last year, I went to Takayama which’s in a very rural area, although easily reached from nearby major cities via bus.
      Takayama is very unique as it embraces traditional – old style Nippon character and living, one won’t find more game machines than they can possibly count there !

    • Bob says:

      Guides and Tours are what makes Japan expensive. Stick to DIY using the excellent public transport , Google Maps etc and you’ll have a fantastic time without having to spend nearly as much

      • JDB says:

        China is also very easy DIY but we still use guides regularly as good ones can add so much value and actually save money and time that the concept shouldn’t be discarded out of hand!

  • Jonathan says:

    It’s a very interesting concept for an airline to allow its loyalty program members to go overdrawn, as there’ll be numerous people who’ll go overdrawn, then forget about the balance, are then forced to pay back the higher rate to clear it, I feel that many airlines might’ve missed a trick here

    • Rob says:

      Avios trialled this once, and Marriott had it for years. It’s clever because it forces you to put business their way to clear the debt.

      • Jonathan says:

        Exactly my point, hopefully others will try it and or refresh an old idea, as it’s on the face of it attractive to a consumer as they can make a redemption that they can’t afford at the time of booking, but they think they can (or know) that after the travel takes place they can

        I guess it does however cause a lot of confusion for dumb people however, as there’s countless people that obtain credit cards and don’t realise it’s not free money, or the balance doesn’t automatically reset to zero each month even if a payment hasn’t yet been made…

        • Rob says:

          What Marriott did, which removed risk for them, is make you clear the overdraft before the stay, or the stay is cancelled.

          It was really smart. What stops you moving to Marriott? You don’t trust that a cool redemption you see today will be there in 6 months when you’ve earned the points. However, what if you could lock in a Summer 2026 holiday today knowing that you have 9 months to earn the points back? You’d be piling in to the credit cards, moving all your stays etc.

          • Jonathan says:

            I’m sure this idea comes up in board room meetings for all of a large number of airline and hotel loyalty programs on ways for them to make improvements or how to draw in new customers

          • dundj says:

            Flying Blue Platinum and Ultimate members can access a 50k and 100k overdraft respectively as well. I don’t think it’s necessary to pay back within the year either.

  • HAK says:

    I presume if you don’t pay the overdraft they can take you to court even though they are German based?

    • Rob says:

      I think you are missing the point here. 98% of Senator members are Lufthansa elite flyers (to earn Senator you need a lot of Lufty segments – 50 one way economy short hauls on LH Group metal – you can’t earn it on partners alone). They won’t be risking a lifetime ban from the scheme. Perhaps 2% at any one time are status matchers but they don’t get an overdraft. The number of people like me who got a match and were given an easy bar to extend status (and access an overdraft) will be tiny – and like me I bet most don’t even realise the overdraft was activated.

      • Andi says:

        If they don’t notify you, how did you find out it was activated? Did it just give you an ‘available balance’ of 50k more than your current one?

        • Rob says:

          Did a dummy booking, expecting to be told I didn’t have the miles, and it let me get to the payment page. Few days later I made the real booking successfully.

          No special messaging. You book as usual and your balance afterwards is negative.

  • GRkennedy says:

    Does LH cancel tickets if you don’t pay the 50k balance by February?

  • Matthias says:

    I’m going to Tokyo with the family in October and given it’s practically impossible to get nonstop Club flights on Avios, we’re going out Club to Shanghai for a couple of days first (much easier to get Avios flights, no visa needed, then a 2h flight onwards).

    On the return flight I went for the direct JL overnight flight in Economy (as again Club or Business nonstop impossible for 4 people), but actually I think I almost prefer Economy overnight to the 14-hour day flights that BA runs, even in Business. JL has very decent legroom and 14 hours on a daytime flight is a long time (yes I know there are longer ones) plus you land in London at ~3pm so have another 7 hours to survive until you can go to bed.

    • JDB says:

      @Matthias – sometimes things work out for the best! Shanghai is a massive extra bonus for your Japan trip and may give you a taster to return to China. Enjoy.

    • Vit says:

      We have been two Japan twice. This time, stopping by in Shanghai for 5 nights as well, albeit final destination is Bangkok. First time in Shanghai, in fact China, for me. OH speaks Mandarin and have been several time so hopefully an enjoyable trip with little one on tow. 🙂

    • John G says:

      Tokyo seats in business do tend to come up in the 2-3 weeks before travel quite frequently. But your Shanghai plan seems like a good one – have done that myself in the past.

      Prefer the daytime flights coming back from Japan. Easier to get back on UK time I find arriving at 3pm vs 6am! Last time did the JL day flight in Economy. Was surprisingly bearable even with a 4 year old!

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