Revolut Pay: automatically double your RevPoints
Revolut Pay is Revolut's native payment method, built directly into partner merchants. It works like Apple Pay, but exclusively within the Revolut ecosystem: it lets you pay in a single click through the app or online on partner sites, without having to enter your card details.
The advantage is huge and official: every payment made through Revolut Pay earns at least 2 times more RevPoints than a standard card payment. Revolut states it explicitly: "Every time you make a purchase with Revolut Pay you'll earn at least double RevPoints."
In concrete terms, this means your plan's multiplier is itself multiplied by two. The table below shows the rates for each subscription:
| Payment method | Standard | Plus | Premium | Metal | Ultra |
|---|---|---|---|---|---|
| Standard Revolut card | ×1 | ×1 | ×2.5 | ×5 | ×10 |
| Through Revolut Pay | ×2 min. | ×2 min. | ×5 min. | ×10 min. | ×20 min. |
Discount at checkout: why 10% is the most profitable rate
When paying through Revolut Pay, you can apply part of your accumulated RevPoints as an immediate discount on your purchase. Several tiers are offered: 5%, 10%, 15%, 20% and sometimes more depending on the context.
But these tiers are far from equal. The rule to remember at all costs: never go above a 10% discount.
Here is why the 10% threshold is the sweet spot:
- At a 10% discount: the conversion rate is 100 RevPoints = €1, the best rate available through this channel.
- Above 10%: the cost in points rises disproportionately compared with the value of the discount obtained. The rate degrades noticeably.
- By comparison, converting your RevPoints into a gift card through the app costs around 1,400 points for €10, that is 40% more points for the same value as the direct discount.
| Use of RevPoints | Points for €10 | Effective rate | Recommendation |
|---|---|---|---|
| 10% discount through Revolut Pay | ~1,000 points | 100 pts = €1 | Optimal |
| Discount above 10% through Revolut Pay | More than 1,000 points (degraded rate) | Fewer than 100 pts per €1 | Worse |
| Gift card | ~1,400 points | 140 pts = €1 (~0.7 cents/pt) | If Revolut Pay unavailable |
| Conversion to airline miles | 1,000 points = 1,000 miles | 1 pt = 1 mile (variable value) | Good for travellers |
Revolut partner shops: the little-known multiplier
In the Revolut app, a "Shops" section brings together hundreds of partner merchants that offer bonus RevPoints on your purchases. It is one of the most powerful, and most overlooked, features of the Revolut ecosystem.
Rates can reach up to 20 RevPoints per euro spent in Shops for certain partners. Revolut also advertises up to 10 points per euro on Stays bookings and 5 points per euro on Experiences. These bonus points come on top of the base points you usually earn with your card.
Double earning: partner shop + Revolut Pay
The real performance lever lies in combining the two systems. When you buy through a partner shop and pay with Revolut Pay, three layers of points stack up:
- Base points from your card: ×1 to ×10 depending on your plan
- Revolut Pay points: automatic doubling of the base multiplier
- Partner shop bonus points: up to 20 points per euro depending on the partner
The total can go well beyond 20 points per euro in the best cases.
Concrete example: Ultra plan, partner at 20 RevPoints/€
A €100 purchase at a partner merchant offering 20 RevPoints per euro, paid through Revolut Pay:
- Partner shop bonus points 100 × 20 = 2,000 points
- Ultra card points through Revolut Pay (×20 effective) 100 × 2 = 200 points
- Total earned 2,200 points
- Value at 0.7 cents per point €15.40 of future value
- Estimated effective return ~15.4%
How do you access partner shops?
- Open the Revolut app on your smartphone.
- Go to the "Payments" or "Shops" section (the location may vary depending on the app version).
- Browse the available merchants and spot those that match your planned purchases.
- Activate the offer before making your purchase: this step is essential.
- Pay with your Revolut card or through Revolut Pay at that merchant to collect the bonus points.
Booking.com: the RevPoints + Genius combination for 20% off
Booking.com accepts Revolut Pay as a payment method. This integration opens the way to a particularly effective strategy for travellers, combining two independent loyalty programmes that reinforce each other.
Paying through Revolut Pay on Booking.com automatically triggers the doubling of your RevPoints. At the same time, Booking.com's Genius programme, unlocked from 2 stays booked over 2 years, offers direct discounts on the prices displayed by partner properties. These two mechanisms are entirely independent and stack without restriction.
The ideal formula
- Booking.com Genius (level 2 and above) 10 to 15% off the displayed price
- Revolut Pay (doubled RevPoints) Points doubled on the whole spend
- 10% RevPoints discount €10 off for 1,000 points used
- Possible result 20% or more effective discount on your stay
Worked example: hotel at €150/night
Detailed calculation: Metal plan, Genius level 2, without using existing points
- Base price €150
- Genius level 2 discount (10%) - €15, so price paid: €135
- Metal points through Revolut Pay (×10, that is 1 point per euro) 135 × 1 = 135 points earned
- Value of the 135 points (0.7 cents per point) €0.95 of future value
- Effective net cost €135 - €0.95 = ~€134.05
- Total saving vs base price ~€15.95, that is ~10.6% on €150
By also applying a 10% RevPoints discount with points already accumulated, the effective discount exceeds 20%.
Genius status is unlocked from 2 stays booked on Booking.com over a 2-year period. Level 2 (from 5 stays) unlocks the best discounts, often between 10% and 15% depending on the hotel.
The complete strategy in 4 rules
Here are the four reflexes to adopt to get the most out of the Revolut ecosystem without complication.
Shops first
Before every online purchase, take 30 seconds to check whether the shop is listed in the Revolut app. Always activate the offer before making your purchase: without prior activation, the bonus points will not be credited.
Revolut Pay when available
Always prefer Revolut Pay as the payment method when the option is offered. The automatic doubling of points applies as soon as you select this payment method at an official partner (Booking.com, etc.).
10% discount maximum
When redeeming your RevPoints as a direct discount, never go above the 10% tier. It is the only level where the conversion rate is optimal at 100 pts = €1. Keep gift cards for cases where Revolut Pay is not available: they cost around 40% more points.
Pair up programmes
Revolut perks are designed to stack with other independent loyalty programmes. Booking.com Genius is the perfect example: immediate discount + doubled RevPoints, the two add up with no conflict and no limit.