Rev Points Guide
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What counts as an eligible transaction: Some RevPoints limitations
Not all your spending with Revolute cards earns RevPoints. Understanding which transactions qualify—and which don't—prevents frustration and helps you maximize your points strategy.
The Golden Rule
Eligible transactions must be genuine purchases of goods or services using your Revolut card. That's your baseline. Everything else gets filtered through Revolut's eligibility criteria, which exclude entire categories of spending.

Real-world answers: cases that surprise people

These specific cases come up constantly in user reports, so here are direct answers. HMRC and other tax payments: no points — government payments are excluded. Parking: no points, even though other transport spending earns. University and education fees: users report denials (one was refused 3,500 points on a tuition payment) — treat education payments as ineligible. Paying through Curve: no points — Revolut classifies Curve as a financial service, so the underlying shop purchase does not count. PayPal top-ups and wallet funding: no points — loading money into another wallet is not a purchase.

Timing surprises: points only post after the card transaction fully settles, typically 1–5 business days — and Amazon orders only post once the items ship. Split or multi-charge payments (for example an order charged in parts) can post points in pieces or late. If points seem missing, wait a week before assuming they were denied.

Also new in the 2026 Terms: if a refunded or reversed purchase leaves your points balance negative, Revolut can debit your account to recover the difference at up to £/€0.02 per point — immediately if you are more than €10 negative. Returns claw back the points the purchase earned.

Merchant-specific outcomes are based on Revolut's Terms plus consistent user reports — edge cases vary by how a merchant processes payments. Last verified: 8 July 2026.

What Definitely Earns Points
✅ Your everyday consumer spending typically qualifies:
  • Retail purchases: supermarkets, clothing stores, electronics, home goods
  • Dining: restaurants, cafes, takeaways, food delivery
  • Entertainment: cinema tickets, streaming services, concert tickets
  • Transport: petrol stations, train tickets, ride-sharing (excluding parking)
  • Health & Beauty: pharmacies, cosmetics, personal care products
  • Travel bookings: hotels, flights (excluding car rental)
These are the bread-and-butter transactions where RevPoints shine—actual purchases where you receive goods or services in exchange for payment.
Check how many RevPoints you can earn on your everyday spending using the calculator.
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What Never Earns Points
❌ Revolut excludes several major categories based on transaction type or merchant classification:
Financial and cash-like transactions:
  • Cryptocurrency purchases
  • Money transfers and wallet top-ups
  • Brokerage activity
  • Cash withdrawals
  • Insurance services
Government and institutional payments:
  • Tax payments
  • Fines and penalties
  • Court-ordered payments
Specific merchant categories:
  • Utility providers (gas, electricity, water)
  • Charities and donations
  • Political and religious organizations
  • Educational institutions
  • Gambling, lotteries, and betting services
  • Tobacco and cigar retailers
Business services:
  • Transactions made using your Revolut Pro account
  • Real estate transactions
  • Postal services
  • Rental and housing payments
  • Parking lots and garages
  • Advertising and marketing services
  • Cleaning and maintenance services
  • Educational services
  • Unclassified B2B goods and services
The Return/Cancellation Clause
Purchases that get returned or cancelled don't count as genuine transactions. If you earn points on a purchase then return the item, those points may be deducted from your balance.
Points Expiry and Redemption Order
All RevPoints expire 3 years after they're received. You can check expiry dates in the app, but here's what matters for everyday use: Revolut redeems your oldest points first, protecting them from expiration.
If you've earned points through both Spare Change and eligible transactions, Spare Change points generally get redeemed first—unless your earned points are expiring within 3 months. In that case, Revolut prioritizes redeeming the expiring earned points to preserve the value you purchased.
Read more:
Spare Change Explained
Example: You have 200 points—100 from Spare Change (expiring in 2 years) and 100 from shopping (expiring in 1 month). Redeem 80 points, and you'll use the 80 oldest earned points first, leaving you with 20 earned points (expiring soon) and 100 Spare Change points (safe for 2 years).
The Practical Takeaway
RevPoints reward consumer lifestyle spending—groceries, dining, shopping, travel. Everything financial, governmental, or business-related gets excluded. When planning your points strategy, focus on categories you naturally spend in regularly, and don't expect points from bills, investments, or administrative payments.
To better understand how many RevPoints you can earn on your everyday spending use the calculator below:
Read more about RevPoints features:
How to collect, use, and maximize rewards with RevolutAre RevPoints really worth it?Which Revolut plan earns more pointsRevpoints expiration rulesWhy buy RevPointsBoosted RevPoints earn rates at TemuRevPoints value table
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