Product Type | Free Debit | Free Credit | Premium Debit | Premium Credit |
Monthly Fee | None | None | £17.99 | £17.99 |
Spending Type | Your own money only | Credit and/or your own money | Your own money only | Credit and/or your own money |
Welcome points* | 1,000 | 2,000 | 10,000 | 20,000 |
Points Earned | 1 point per £1 | 1 point per £1 | 4 points per £1 | 5 points per £1 |
Foreign Exchange Fees | None | None | None | None |
App Features | ✅ | ✅ | ✅ | ✅ |
Use Points on Flights | - | - | ✅ | ✅ |
Travel Insurance | - | - | ✅ | ✅ |
Access to all Experiences | - | - | ✅ | ✅ |
Purchase Protection | - | ✅ | - | ✅ |
Build Your Credit | - | ✅ | - | ✅ |
*When you spend £1,000 in your first 30 days.