Revolut Metal RevPoints: Earning Rates & Calculator

In the United Kingdom, Metal customers earn 1 RevPoint per £2 of eligible debit card spending. In Germany, France, Ireland and Spain, the published regular debit card rate is 1 RevPoint per €2.

Ireland and Spain have another important distinction: Revolut publishes a separate earning rate of 1 RevPoint per €1 for qualifying Metal credit card purchases. Credit card access is subject to availability, eligibility and approval.

This article explains Metal earning rates, provides practical spending examples, compares the plan with Premium and Ultra, and highlights the spending restrictions that can affect how many points you actually receive.

These rates apply to qualifying transactions under the relevant personal RevPoints programme. The absence of a separate credit card rate in the UK, Germany or France does not establish credit card availability or eligibility. Irish and Spanish credit card rates apply only to qualifying, approved Revolut credit cards.

The published regular debit card rates follow the same numerical pattern across these countries, but that does not mean the programmes are identical. Card availability, transaction exclusions, special earning offers and other programme conditions may differ.

Always select the country of your Revolut account when estimating your RevPoints. Making a purchase in a foreign currency does not automatically change which country’s programme rules apply.

Each row represents either GBP spending in the UK or EUR spending in the reviewed eurozone markets, not a currency conversion between pounds and euros. The table covers eligible debit card purchases only and assumes twelve identical months for yearly estimates. Actual awards can differ because of eligibility exclusions, rounding and other conditions.

For example, a Metal customer in Germany spending €2,000 a month on fully eligible debit card purchases would have a simplified estimate of 1,000 RevPoints per month, or 12,000 over twelve identical months.

A UK Metal customer spending £1,500 on qualifying debit card purchases would have an estimated 750 points for the month. These calculations do not include promotional earning opportunities or points purchased using your own money.

For €2,000 of fully eligible monthly debit card spending in France, Premium would earn an estimated 500 RevPoints, while Metal would earn approximately 1,000.

That represents 500 additional points per month, or 6,000 additional points over twelve identical months.

However, an additional 6,000 points does not represent a guaranteed amount of money. The potential benefit depends on which rewards are available, how many points they require and what you would otherwise pay.

This example uses UK eligible debit card rates only. The other reviewed countries have the same numerical debit card rate pattern in euros. These figures are estimates based on fully eligible spending.

For £2,000 of eligible UK debit card spending, the simplified difference between Metal and Ultra is 1,000 points. Over twelve identical months, that would equal 12,000 additional RevPoints with Ultra.

Whether that difference has enough practical value to justify Ultra’s subscription cost depends on the rewards you use, other plan benefits and your individual circumstances.

Revolut publishes 1 RevPoint per €2 for eligible Metal debit card spending and 1 RevPoint per €1 for eligible Metal credit card spending in these two markets.

Simplified mathematical estimates assuming all transactions qualify and no rounding differences occur. The credit card column applies only to eligible and approved Revolut credit cards in Ireland and Spain.

For a qualifying Metal credit card customer with €2,000 in fully eligible monthly purchases, the published rate produces a theoretical 2,000 RevPoints. The same spending amount on an eligible Metal debit card would produce approximately 1,000 points.

Does a higher credit card rate make a credit card worthwhile?

Not automatically. A credit card may involve borrowing costs, interest, fees, repayment obligations and eligibility criteria that must be evaluated separately. RevPoints should never be treated as a reason to take on unnecessary debt.

These are regular eligible debit card rates, not the separate credit card rates published for Ireland and Spain. Special offers and other earning mechanisms are excluded from this comparison.

For the same eligible debit card spending, Metal produces five times as many regular RevPoints as Standard or Plus, twice as many as Premium and half as many as Ultra.

The comparison demonstrates differences in earning rates, but it does not establish which plan is most cost-effective. That depends on subscription fees, other benefits and realistic redemption value.

Qualifying purchases with a supported card can earn points at the applicable regular Metal rate. Everyday spending may qualify where the transaction meets the programme rules and is not assigned to an excluded merchant category.

Revolut’s official exclusions include money transfers, wallet top-ups, cryptocurrency purchases, brokerage activity, certain financial and insurance services, and other cash-like payments.

Tax payments, fines, penalties, gambling or betting, utility providers and various government-related payments are also excluded, alongside particular merchant categories such as certain real estate, rental, parking, maintenance and specialised business services.

Revolut Pro transactions are excluded from the regular personal RevPoints earning rules described in the official sources used for this guide.

For further details, read our Eligible RevPoints Spending Guide.

Are Spare Change RevPoints free?

No. Spare Change uses money from your account to purchase points where supported. These purchased points must be distinguished from RevPoints awarded through qualifying card spending.

Before purchasing points, consider the purchase cost, expiry rules and realistic redemption options. More points do not automatically mean a financial benefit.

Find more details in our How to Earn RevPoints Guide.

Revolut confirms that RevPoints have no fixed monetary value and cannot be exchanged directly for cash or currency. A particular redemption may provide more or less value than another.

For a detailed explanation, see our How to Use RevPoints Guide and RevPoints Value Guide.

Points earned on different dates can have different expiry dates, and collecting additional points should not be assumed to renew the validity of an existing balance.

You can check your points balance and the relevant expiry information through the RevPoints section of the Revolut app.

Our RevPoints Expiry Guide explains the general validity period, redemption order and what happens to unused points.