The value of a RevPoint: 0.7 cents as a reference, variable depending on use
There is no single value for a RevPoint: it depends directly on the redemption option chosen. So that our tables and examples are comparable from one page to the next, we use a cautious indicative value of 0.7 cents per point. Those who optimise through Revolut Pay at the 10% tier get 100 points for €1, while gift cards cost around 1,400 points for €10.
It is important to note that Revolut does not officially publish a contractual value for RevPoints. These estimates are calculated from the conversion rates observed in the app. The actual value depends directly on the option you choose.
Conversion rates may change if Revolut amends its terms: always check the app for the rates in force at the time you convert. Favour Revolut Pay or a gift card over a partner offer whose rate has not been verified.
Value depending on use
The table below details the estimated values for each type of use, for 1,000 points. These amounts are based on the conversion rates generally observed in the app: they may vary depending on the offers available and market conditions.
| Redemption option | Observed rate | Value of 1,000 pts | Verdict |
|---|---|---|---|
| Revolut Pay discount (10% tier) | 100 pts = €1 | ~€10 | Optimal |
| Airline miles | 1 pt = 1 mile | Varies by flight (long-haul Business: up to 2 to 5 cents per mile) | Excellent for travellers |
| Gift card | ~1,400 pts = €10 | ~€7 | Good |
| Partner offers | Varies by offer | Check in the app | Compare case by case |
Why Revolut Pay is the most profitable option
By using your RevPoints as a direct discount on a Revolut Pay payment at the 10% tier, you get 100 points for €1, the best displayed rate. The drawback: this option requires the merchant to accept Revolut Pay, which is not universal.
The gift card (around 1,400 points for €10) remains a simple, accessible alternative, close to our indicative value of 0.7 cents per point, without depending on a specific partner.
Concrete examples by plan and spending
Here is what RevPoints concretely represent in monthly and annual value depending on your plan and your card spending volume. These calculations use the reference value of 0.7 cents per point. The actual value depends on use.
| Plan | Multiplier | Spending/month | Points/month | Monthly value | Annual value |
|---|---|---|---|---|---|
| Standard | ×1 | €500 | 50 | ~€0.35 | ~€4.20 |
| Standard | ×1 | €1,000 | 100 | ~€0.70 | ~€8.40 |
| Premium | ×2.5 | €1,000 | 250 | ~€1.75 | ~€21 |
| Premium | ×2.5 | €1,500 | 375 | ~€2.63 | ~€31.50 |
| ×5 | €2,000 | 1,000 | ~€7 | ~€84 | |
| ×5 | €3,000 | 1,500 | ~€10.50 | ~€126 | |
| Ultra | ×10 | €4,000 | 4,000 | ~€28 | ~€336 |
Basis: 1 point per €10 spent × plan multiplier × 0.7 cents per point. Referrals, challenges and partner offers can increase these totals.
Comparison with other loyalty programmes
To put the value of RevPoints in context, here is a comparison with the most widespread loyalty programmes. These comparisons need nuance: each programme has its own rules and its own earning and redemption conditions.
Airline miles (Air France Flying Blue, etc.)
Value varies with the flight conditions available. Award miles can be worth more when redeemed for business class.
~0.8 to 1.5 cents per mile (estimated)
Cashback from traditional bank cards
Premium French bank cards (Visa Infinite, Mastercard World Elite) generally offer 0.5 to 2% cashback on eligible spending.
0.5 to 2% of spending
Revolut Metal RevPoints (×5)
With a ×5 multiplier and a reference value of 0.7 cents per point, the RevPoints yield is around 0.35% of spending. Metal's real value comes more from its other perks (unlimited exchange, insurance, withdrawals) than from the points alone.
~0.35% cashback equivalent (RevPoints)
Revolut Standard RevPoints (×1)
With no subscription fee, the Standard plan offers a RevPoints yield of around 0.07%: modest, but with no entry cost. The main value remains fee-free currency exchange up to €1,000/month.
~0.07% cashback equivalent (RevPoints)
In terms of RevPoints alone, Revolut is not the best cashback card. The real value of the paid plans comes from the combined perks: no exchange fees, reduced-rate lounges, travel insurance, not just the points. Points are a bonus, not the main argument.
How to calculate your RevPoints earnings
The basic formula for estimating your RevPoints earnings is simple:
Points earned = Spending (€) × plan's points per euro
Estimated value (€) = Points earned × 0.007 (indicative value of 0.7 cents)
Effective yield (%) = Estimated value ÷ Spending × 100
Example: €2,000 of spending on Metal (×5, that is 1 point per €2) = 2,000 × 0.5 = 1,000 points × €0.007 = €7 of estimated value, a yield of 0.35%.
To go further and factor in the subscription cost, the plan's other perks and your precise spending profile, use our Revolut profitability simulator.