Revolut Premium RevPoints: Earning Rates & Calculator

For eligible debit card spending, the published Premium rate is 1 RevPoint per £4 in the United Kingdom or 1 RevPoint per €4 in Germany, France, Ireland and Spain.

In Ireland and Spain, Revolut also publishes a higher Premium rate for eligible credit card spending: 1.5 RevPoints per €4. Credit card access depends on availability, approval and the terms of the relevant product.

This guide explains what the published rates mean in practice, how much Premium can earn at different spending levels and why the additional points should be considered alongside the subscription fee.

These are published regular rates for eligible card spending. A missing separate credit card rate makes no claim about the availability of credit cards in that country. Irish and Spanish credit card rates apply only to qualifying Revolut credit cards and eligible customers.

Although the numerical debit card rates match, the programmes are not necessarily identical. Card availability, excluded transactions, promotional earning opportunities and subscription conditions may vary from one market to another.

Always use the country associated with your Revolut account when calculating points. Making a payment in euros while holding a UK account does not automatically make the German, French, Irish or Spanish programme rules applicable.

The table applies the published regular Premium debit card rate separately to GBP spending in the UK or EUR spending in the four eurozone markets. It does not imply an equivalence between pounds and euros. Annual figures assume twelve months of identical fully eligible spending. Actual point awards may differ.

For example, a Premium customer in Germany making €1,600 of qualifying debit card purchases in a month would receive a simplified estimate of 400 RevPoints.

A Premium customer in the UK making £2,000 of qualifying debit card purchases would have an estimated 500 regular RevPoints for that month.

These examples exclude promotional multipliers, points purchases, additional programme activities and transaction-level rounding differences.

For €2,000 of fully eligible monthly debit card spending in Germany, Standard and Plus would each earn an estimated 200 RevPoints. Premium would earn an estimated 500 points.

That represents 300 additional points per month or 3,600 additional points over twelve identical months at the published regular rates.

In proportional terms, Premium earns 2.5 times as many regular points as Standard or Plus for the same qualifying debit card spending. This is a difference in points earned, not a guaranteed financial return.

This table uses UK debit card rates and assumes that every pound of the spending amount qualifies. The corresponding euro-denominated regular debit card rates in the four other reviewed markets have the same numerical ratios. Credit card rates can differ.

For this UK example, Metal produces twice as many regular RevPoints as Premium, while Ultra produces four times as many.

However, the higher plans also have their own subscription costs. Upgrading merely to increase the number of points should be considered separately from other included benefits.

The most useful comparison is between the incremental cost of the higher subscription and the benefits you personally expect to obtain, rather than the headline number of additional points alone.

The comparison uses 1 point per €4 for qualifying Premium debit card spending and 1.5 points per €4 for qualifying Premium credit card spending. All examples assume fully eligible transactions and do not account for transaction-level rounding. Credit card approval and availability are not guaranteed.

With €2,000 of eligible spending, the simplified calculation produces 500 regular RevPoints on a Premium debit card and 750 on a qualifying Premium credit card.

That is a difference of 250 points for the same assumed spending amount. However, credit card terms, interest, fees and repayment obligations must be evaluated separately.

Ordinary eligible card purchases may earn points, depending on the transaction type, merchant classification and the programme conditions for your market.

Revolut’s published exclusions include money transfers, wallet top-ups, cash-like activity, cryptocurrency purchases, brokerage transactions, certain financial and insurance services, taxes, fines, gambling and payments to utility providers.

Other excluded categories can include charities, political and religious organisations, educational institutions, selected real estate and rental activities, parking services, advertising and specialist business transactions.

Revolut Pro transactions are excluded from the regular personal RevPoints programme described in the official guidance reviewed here.

For the full explanation, visit our Eligible RevPoints Spending Guide.

Does Spare Change earn free points?

No. Spare Change uses your own money to purchase RevPoints when the feature is enabled. Purchased points should not be confused with points awarded through regular eligible spending.

Before activating Spare Change or purchasing points, compare the money you would spend with the potential benefit of an available redemption.

Our How to Earn RevPoints Guide explains the available earning and purchasing methods.

RevPoints have no universal fixed monetary value and cannot be directly withdrawn as cash or exchanged for currency. The benefit depends on the specific reward you select.

Learn more in our How to Use RevPoints Guide and RevPoints Value Guide.

Points collected at different times may have different expiry dates. New points should not be assumed to extend the validity of points already in your balance.

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

Our RevPoints Expiry Guide covers the general validity rules and what happens to unused points.