Premier Reward Black

You could earn at least £10 a month in Rewards (that's £120 a year). See the monthly breakdown below:

As well as earning Rewards for having 2 Direct Debits at least £4.50 each (like your phone bill), you can earn even more Rewards at our partner retailers, like Caffe Nero, Morrisons or Sky. You can earn between 1-15% back on your purchases. 

Your Rewards balance can grow quickly, they're easy to earn and easy to exchange. Once you reach £5 in Rewards, you can redeem it as cash back into your bank account, donate it or trade it up.

Normally 1.00 in Rewards = £1, but trade up with partner retailers like Cineworld, Argos, or even Avios to get even more for your Rewards. You can also donate them to our selected charities.

DragonPass Premier+ gives you unlimited access to over 1,100 lounges worldwide, plus you can enjoy discounts at airport restaurants, cafés and spas. To pre-book visit the DragonPass app and follow the on-screen instructions. Not every lounge allows pre-booking and will be subject to availability. £5 pre-booking fee will apply.

What you need to know:

• We’ll send you a DragonPass Premier+ membership number once your Reward Black account is open. You will need your membership card to gain access to lounges and receive discounts. A digital version of your membership number is also available through the dedicated DragonPass Premier+ app which is free to download from the Apple App and Google Play Store. The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.
• If you have a joint account and are travelling with the other account holder, you will both need to show your membership numbers, either the plastic version or through the app, to access lounges and receive discounts.
• Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Worldwide travel insurance (underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance) covers you and your family for trips up to 90 days (including 31 days for winter sports). The policy also includes up to £10 million emergency medical expenses cover.

What you should know:

• Family cover includes you and your partner, plus any dependant children under age 18 at the start of the journey (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.
• Your partner is the person, you the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• You can check online if this travel insurance covers new or existing medical conditions here. An extra fee may apply, or some conditions might not be covered.
• You can also discuss this over the phone by calling 0345 601 7188 (or Relay UK 18001 0345 601 7188).
• If anyone covered by this policy is aged 70 or over, you must call us each year in order to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.
• If anyone covered by this policy has an existing medical condition, you must contact us each year to pay an additional premium or accept that your cover may exclude certain conditions.

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the MoneyHelper Directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed.

• Use your Reward Black debit card for purchases anywhere in the world, without the worry of incurring extra charges or carrying around lots of cash.
• No foreign purchase fee when you make a payment outside the UK or payment in a foreign currency.
• Not valid for ATM withdrawals. Other local fees may apply.

The AA provide our UK & European breakdown cover which includes getting you to a destination of your choice if they can't get your vehicle going again.

What you need to know about UK & European car breakdown cover:

• Roadside Assistance - Anywhere in the UK and Europe;
• At Home - Get help when your vehicle won't start at home;
• National Recovery - If the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice;
• Onward Travel - If your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate;
• Accident Assist - A 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you; and
• All your vehicles are covered - Your policy covers any privately registered vehicle you travel in, anywhere in the UK and Europe. It also covers your vehicle if it is being driven by someone else with your permission.

Things to remember

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.

For more information on the cover including exclusions and limitations, please refer to our car breakdown cover page.

Roadside Assistance, At Home and National Recovery: Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)
Onward Travel and Europe: Underwritten by Acromas Insurance Company Limited
Accident Assist: Underwritten by AA Underwriting Insurance Company Limited

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by Aviva Insurance Limited.

What you need to know about our mobile phone insurance cover:

• Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time).
• There is no cover for phones owned by your employer.
• Four approved claims can be made on this policy in any 12-month period.
• Claims are settled by replacing or, in certain circumstances, repairing your phone. Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.
• There is a £100 excess for each approved claim when your phone is replaced.
• There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.
• Replacement phones include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty.

24/7 home emergency cover up to £750 including VAT (Underwritten by UK Insurance Limited). This covers you for two homes – your main residence and any second home you own in the UK (excluding properties you rent out). We only use approved repairers - finding someone you can count on can be a challenge, so we've taken care of it.

There are some exclusions to this cover:

• 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.
• Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

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

Our 24/7 Black Concierge Service can help you with such things like:

• Getting your hands on hard-to-get theatre tickets or booking a table at a top restaurant anywhere in the world.
• Recommending and securing a special gift for any occasion, even gift-wrapped if you need it.
• Booking an executive car.
• Creating that trip of a lifetime.

Your Black account gives you access to live entertainment at reduced prices. Receive 25% cash back on up to six tickets per event, at up to four events per year. Choose from theatre shows, musicals, operas and sporting events throughout the UK and Ireland. 

How do I get my cashback?

• You don't need to do anything. It will be paid into your Reward Black Account within 30 days of your booking.

Buy online through Membership Services and take advantage of up to 40% off the price of cinema tickets.

• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
  
• Any day, any time, any film.

There are two different types of overdraft:

• An arranged overdraft, which allows you to go overdrawn up to an agreed limit.
• An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected. 

To apply for or amend an overdraft on your account visit our Overdraft pages.