Revolut Ultra (RevPoints)
The ultimate neobank account for frequent travellers, offering high-velocity RevPoints and an unmatched suite of luxury lifestyle subscriptions.
Welcome Bonus:
Earn 10,000 bonus RevPoints when you spend £2,000 in your first three months
Representative Example
Credit Limit
N/A (Premium Debit Account)
Purchase Rate
0% (No interest charges)
Representative APR
N/A
Annual Fee
£540 (or £55 monthly)
Key Benefits
- 10,000 RevPoints Welcome Bonus when meeting spend requirements for new Ultra members
- Unlimited Airport Lounge Access at over 1,400 lounges globally
- Premium Digital Subscriptions worth over £4,000 annually, including Financial Times, MasterClass, and NordVPN
- Monthly Global eSIM Data (3GB) included to keep you connected in 100+ countries
- "Cancel For Any Cause" Insurance covering up to £5,000 per year for trips and events
- High-Interest Savings with up to 4.5% AER (variable) paid daily
- Precision-Engineered Platinum Card with a unique platinum-plated finish
- Priority 24/7 Support via in-app chat and phone
Rewards Structure
Everyday Spending
1 RevPoint per £1 spent
Revolut Stays
Up to 10 RevPoints per £1 spent on luxury accommodation
Transfer Ratio
1:1 transfer rate to over 30 airline partners, including British Airways (Avios)
Spare Change Round-Ups
Boost your balance by rounding up transactions to the nearest £1 and "buying" points at a discounted rate
Travel Benefits
Unlimited Lounge Access
Complimentary access for the account holder via DragonPass; plus 10 free guest passes annually
Global eSIM Data
3GB of high-speed data every month, activated instantly in the Revolut app
Comprehensive Insurance
Includes global medical cover (£10m limit), winter sports, car hire excess, and luggage protection
Unlimited FX
Exchange unlimited currency 24/7 with no weekend markups or hidden fees
Lifestyle Benefits
Subscription Bundle
Includes full access to Financial Times Premium, ClassPass (20 credits), Uber One, WeWork (3 passes), NordVPN, and Perplexity Pro
Deliveroo Plus
Free delivery on your favourite restaurants and grocery orders
WeWork Access
Use any of the hundreds of WeWork locations globally for remote work
Shopping Protection
Up to £10,000 annual cover for stolen or damaged items purchased on your card
Fees & Rates
Annual Fee
£540 (or £55 monthly)
Representative APR
N/A
Our Verdict
The Revolut Ultra plan is the most serious contender to the Amex Platinum in the UK "lifestyle" market. While it is technically a debit-based current account rather than a credit card, the introduction of RevPoints has transformed it into a genuine powerhouse for points collectors. The 1:1 transfer ratio to Avios and other major airlines makes it easy to turn daily coffee runs and groceries into business class flights. When you factor in the £4,290 worth of included subscriptions (like the FT and WeWork), the £55 monthly fee effectively pays for itself many times over for the modern professional. It is the perfect choice for those who want the perks of a top-tier travel card without the credit check or interest rates of a traditional bank.