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.
What Definitely Earns Points
✅ Your everyday consumer spending typically qualifies:
Retail purchases: supermarkets, clothing stores, electronics, home goods
❌ 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.
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:
