Revolut Plus RevPoints: Earning Rates & Comparison

In the five markets covered by this guide, Revolut publishes the same regular debit card earning rate for Standard and Plus. Both earn 1 RevPoint per 10 units of the relevant local currency on eligible purchases.

That means 1 RevPoint per £10 of eligible spending in the UK or 1 RevPoint per €10 in Germany, France, Ireland and Spain. Irish and Spanish customers may also have access to eligible Revolut credit cards with a separate published rate.

This article explains the current Plus earning rates, provides spending examples and examines whether a paid Plus subscription makes sense specifically for customers interested in collecting RevPoints.

Rates apply to eligible transactions under the relevant personal RevPoints programme conditions. Credit card rates in Ireland and Spain apply only to qualifying Revolut credit cards. Where no separate rate is listed, this table makes no claim about credit card availability or rewards.

The fact that the regular debit card rates match across these countries does not make all programme rules identical. Eligible spending, available features, card products and redemption options can differ by market.

For international comparisons, always use the country associated with your Revolut account. Spending in another currency does not automatically change the earning rules that apply to your account.

Consider a customer in Germany who spends €2,000 each month on fully eligible debit card purchases. Both Standard and Plus would produce a simplified estimate of 200 regular RevPoints per month.

Over twelve identical months, either plan would produce an estimated 2,400 points. Paying for Plus would not increase that particular regular earning total.

What about Plus and Standard credit cards?

In Ireland and Spain, Revolut also publishes matching Standard and Plus credit card earning rates of 1.5 RevPoints per €10 of eligible spending. Therefore, switching between these two plans does not increase the published regular credit card rate in those markets either.

For more details about the free plan, see our Revolut Standard RevPoints guide.

Spending amounts represent GBP for UK customers or EUR for the four eurozone markets listed here. These are illustrative debit card calculations. Actual RevPoints can differ because of excluded transactions, calculation rules, rounding and other conditions.

For example, a Plus customer in the United Kingdom spending £1,500 on fully eligible debit card purchases would have an estimated 150 regular RevPoints for that month.

Similarly, a Plus customer in France spending €1,500 on fully eligible debit card purchases would have an estimated 150 regular RevPoints. This does not suggest that the pound and euro have an identical monetary value.

These values are mathematical illustrations assuming fully eligible spending and the published regular rates. Credit card access is subject to availability, approval and applicable card terms. Actual awards may differ because of transaction-level calculations and exclusions.

At €2,000 of fully eligible monthly spending, this comparison produces 200 points for Plus debit card purchases and 300 points for Plus credit card purchases in Ireland or Spain.

The higher credit card rate should not be considered in isolation. A credit card has its own agreement and financial obligations, and earning loyalty points does not eliminate borrowing costs or justify unnecessary spending.

This table compares regular eligible debit card spending only. It does not describe the separate credit card rates published in Ireland and Spain or special promotional earning offers.

For a simplified £1,000 of eligible UK debit card spending, Plus would earn approximately 100 regular RevPoints, while Premium would earn 250. The difference would be 150 points.

At €2,000 of eligible debit card spending in Germany, Plus would earn an estimated 200 points and Premium 500. That is a difference of 300 points for the same assumed spending.

Whether these additional points justify the higher subscription price depends on the fees, other benefits and eventual redemption value. RevPoints are not equivalent to a fixed amount of cash.

Because Standard does not require a paid subscription, paying for Plus purely to increase the regular points rate would not achieve that objective under the rates shown here.

However, Plus may offer additional account services or other benefits, depending on the market and current subscription terms. These are separate considerations from the regular RevPoints rate.

Regular points can be earned from qualifying card purchases made using a supported Revolut card. Ordinary consumer spending may qualify when the transaction meets the programme conditions and is not classified in an excluded category.

Revolut’s official help pages list exclusions including money transfers, wallet top-ups, cash-like activity, cryptocurrency purchases, brokerage transactions, financial and insurance services, taxes, fines, gambling and payments to utility providers.

Certain merchant categories involving charities, educational organisations, property, parking, specialist business services and other activities can also be excluded.

Transactions carried out using a Revolut Pro account are excluded from the regular personal RevPoints rules described in the reviewed help pages.

For a more detailed breakdown, see our Eligible RevPoints Spending Guide.

What about Spare Change?

Spare Change is different from regular points earned through purchases. Where enabled, Revolut uses money from your account to acquire RevPoints. These are purchased points rather than points awarded for eligible card spending.

The cost and conditions should be reviewed before enabling Spare Change or purchasing points directly. Acquiring more points using your own money does not automatically provide a financial benefit.

Our How to Earn RevPoints guide explains these earning methods in more detail.

Revolut confirms that RevPoints do not have a fixed monetary value and cannot be exchanged directly for cash. The practical benefit depends on the specific reward and redemption terms.

For details, read our RevPoints Redemption Guide and RevPoints Value Guide.

Points credited at different times can have different expiry dates. Earning additional points does not necessarily extend the validity of points you already hold.

You can review your current points balance and relevant expiry information in the RevPoints section of the Revolut app.

Our RevPoints Expiry Guide explains the general validity rules and how to check when points are due to expire.