Premier Reward Black - exclusive benefits for you and your family

With 22 offices and over 1,000 lifestyle managers worldwide, our lifestyle concierge service is at your disposal 24/7, 365 days a year at no extra charge.

• Key benefits include tailor-made holidays with complimentary upgrades, and access to perks and preferential rates at more than 650,000 hotels around the world.
• There’s also priority booking for selected restaurants, hotels, shows and events worldwide with access to the monthly virtual Book Club series. And special offers, exclusive discounts, and early access to seasonal promotions from your chosen brands.

The equivalent value of using the concierge service once every other month for a variety of requests is, on average, £180 a year.

You get 25% cashback on tickets for concerts, shows, and sporting events throughout the UK and Ireland, when booking through Membership Services.

Cashback applies on up to six tickets per event, on up to four events a year.

For example, three tickets to Disney’s The Lion King at the Lyceum Theatre (Royal Circle) in London, on a Saturday evening, would give you £77 cashback.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase.

Three peak bookings (Friday to Sunday) three times a year at an ODEON* cinema for two adults and one child, including booking fees, could save up to £43 a year.

*Saving is based on visiting a standard Coventry ODEON cinema and redeeming eCodes on the cinema’s website.

Access more than 1,000 lounges worldwide. Pre-book your lounge entry for £5 per person per booking by downloading ‘DragonPass Premier+’ in your app store.

Once registered with the app, you can also access various discounts and offers at airport restaurants, cafes, and spas.

Account holders can bring a guest for a charge of £24 each per visit.

Bought direct, DragonPass costs £379 a year.

Your worldwide travel insurance covers you and your family (as defined in the policy terms and conditions) for up to 90 days per trip, including 31 days for winter sports and £10 million medical expenses cover.

Before booking a trip, remember to arrange any extensions to your insurance like cover for a pre-existing medical condition, or if you or anyone who relies on your cover is going to be over 70 when your trip starts.

Underwritten by AWP P&C SA and administered by Allianz Assistance, the closest equivalent cover costs an average £198 a year for individual cover or £490 for family cover.*

*Prices include Insurance Premium Tax. Market comparison conducted 22nd February 2024. Individual price based on worldwide cover for a 40-year-old with no pre-existing medical conditions, family price based on worldwide cover for two adults aged 40 years old and two children aged 13 years old with no pre-existing medical conditions.

There are no Non-Sterling Transaction Fees when you buy with your debit card abroad or make a payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.

Check fees and charges when spending abroad

Personal mobile insurance covers phones used by you, your partner and your children under 18 who live at home with you or under 23 if they’re in full-time education.

You’re covered for theft, loss, accidental damage or breakdown (once your manufacturer’s warranty has expired). You can make 4 approved claims in any 12-month period.

Next day replacements for lost or stolen phones when claims are completed by 8pm.

If your phone is damaged or breaks down, get a same day repair at over 100 locations. Or, depending on where you are, a manufacturer-approved mobile repair technician will come to you at home, work or anywhere in between.

Similar cover for two iPhone 11 64GB with Protect Your Bubble costs £205 a year*.

*No two mobile insurance policies are identical. We checked the Protect Your Bubble website on 7th February 2024.

You’ll have AA cover when travelling as a driver or passenger in any privately registered vehicle, throughout the UK.

Anyone driving or travelling in your vehicle is covered too.

This includes at home as well as at the roadside.

Your privately registered UK vehicle is also covered in Europe for trips that start and end in the UK (see your terms for a full list of qualifying countries).

Similar cover, bought directly with the AA costs £415 a year.

More about car breakdown cover

Cover for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

To be covered the home must be owned by you and be your permanent, or secondary, private place of residence. Detached garages and outbuildings are not covered. Your home must be in the United Kingdom or the Isle of Wight.

Other exclusions: external water supply pipes, boilers over 10 years old, or with an output over 75kw, any emergency if your home has been unoccupied for more than 60 consecutive days, detached garages and outbuildings, and homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

It's important to remember this is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Underwritten by UK Insurance Limited, their closest equivalent cover costs on average £54 a year.

How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

An arranged overdraft allows you to borrow more money than you have in your account, up to an agreed limit. It is intended for short-term use only and will cost you money in interest to use it.

It is a form of debt and is repayable on demand. Always make sure you have enough money in your current account, or a suitable Arranged Overdraft limit in place before any payments are due to come out of your account.

Looking to understand the costs of an overdraft of more than £500 over different periods of time? Use our cost calculator.

If you don't pay it back, it could have an impact on your credit score.

More about overdrafts

We’ll refund the annual fee if you have a Premier Reward current account.

You'll get 1% back at supermarkets and 0.5% at their petrol stations.

Earn 1-15% back at selected retailers.

And 0.5% back everywhere else.

Plus no foreign transaction fees and a credit limit of at least £5000.

Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.

More about Reward Black credit card

Earn up to £120 a year:

• Get £9 a month just by paying two or more Direct Debits from your Reward account – they need to be at least £4.50 each. 
• Get £1 in Rewards simply by logging into your mobile banking app once a month. App criteria apply.

Get rewarded when you spend with our partner retailers. We refresh our partner retailers regularly, and you’ll get personalised offers through MyRewards on our mobile app or in online banking.

Once you reach £5 in Rewards, you can:

Bank them - turn your Rewards into cash, which goes into your bank account.

Trade them - swap them for e-gift codes from chosen retailers. You could escape it all with British Airways Avios points or Emirates Skyward Miles', and make memories on family days out through Red Letter Days. 

Some are worth more than the cash.

Donate them - use your Rewards to gift money to the British Heart Foundation, Alzheimer's Society, or Cancer Research UK. 

We regularly refresh our partner retailers – you’ll be able to see what the latest offers are in your app or online account.