Terms and Conditions

 

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Credit Card

Terms and Conditions

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  1. 10,000 IHG Rewards Club Points

    10,000 (ten thousand) bonus Rewards Club points only applies to the principal cardholder and is allocated after you make Purchases totalling £200 or more within 90 days of the account opening (the “Qualifying Spend”).

    The 10,000 bonus Rewards points will be awarded upon generation of your first IHG Rewards Club Credit Card Statement after the Qualifying Spend. If your IHG Rewards Club Credit Card account is closed within the first 6 months of opening, IHG reserves the right to deduct the 10,000 bonus Rewards points from your IHG Rewards Club account.

  2. Gold Elite Status

    As soon as you are accepted for the IHG Rewards Club Credit Card, you will receive automatic Gold Elite status, and all the benefits that come with it, unless you are already a Platinum Elite or Spire member, in which case you will retain your current status.

  3. Earn IHG Rewards Club points

    • 2 points are allocated per £1 spent at any IHG Hotel or Resort
    • 1 point is allocated per £1 (one pound) spent on all other Purchases in the UK
    • 2 points are allocated per £1 (one pound) spent on all other Purchases outside the UK

    Points will only be earned on Purchases and will be deducted for returns or refunds.

    Points will be allocated to the value rounded down to the nearest pound.

    Points are only awarded to accounts that are open on the Statement date. All terms and conditions of the IHG Rewards Club apply.

    Points earned during a Statement month will be shown on your IHG Rewards Club Credit Card Statement. The Creation online account management website (www.creation.co.uk) will show your points earned from Credit Card Purchases after the transaction is posted to your IHG Rewards Club Credit Card Statement. You will not earn points on Balance Transfers, cash advances or Insurance. Rewards points earned for IHG stays and other on-site purchases not paid for using your IHG Rewards Club Credit Card will not be shown on your credit card statement. To check your current IHG Rewards Club points balance please visit www.ihgrewardsclub.com.

    Points earned on your IHG Rewards Club Credit Card will be suspended if you default (arrears or over limit) on your account. Once your account is back in good order, you can start earning points again.

    If, during an IHG Rewards Club Credit Card Statement period, the total number of points redeemed or deducted for any reason (including returns and refunds) is greater than the number of points earned, then a negative points balance will be displayed on your IHG Rewards Club Credit Card statement. Points earned thereafter will first be applied against any such negative balance until a positive balance is achieved. Points may not be used as a form of payment towards your IHG Rewards Club Credit Card.

  4. IHG Rewards Club information

    Points accrued and rewards issued are subject to the terms and conditions of the IHG Rewards Club. Please see www.ihgrewardsclub.com for full terms and conditions of the IHG Rewards Club, including all up-to-date redemption values. Terms and conditions of the IHG Rewards Club may be modified without notice to cardholders, and services and benefits may be added or removed at any time. Individuals whose credit card applications are not approved will not be enrolled into the IHG Rewards Club through this offer, although existing IHG Rewards Club memberships will not be affected. Additional credit card holders will not be enrolled into the IHG Rewards Club through this offer. Points awarded through the use of the Additional Cardholder’s card will be credited to the principal cardholder’s IHG Rewards Club account.

    Please note: if you are not already an IHG Rewards Club Member, upon acceptance of your application for the IHG Rewards Club Credit Card you will automatically be enrolled into the IHG Rewards Club.

  5. Data Protection

    By enrolling into the IHG Rewards Club you agree to receive enrolment by email and/or mail, which detail the IHG Rewards Club benefits and special offers you can receive as a member.

    Any queries regarding Rewards point balances and/or redemption should be directed to the IHG Rewards Club Service Centre on 0371 226 1111(Calls cost 13p per minute. Standard network rates apply. Calls from mobiles will be higher).


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Premium Credit Card

Terms and Conditions

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  1. 20,000 IHG Rewards Club points

    20,000 (twenty thousand) bonus Rewards Club points only applies to the principal cardholder and is allocated after you make Purchases totalling £200 or more within 90 days of the account opening (the “Qualifying Spend”).

    The 20,000 bonus Rewards points will be awarded upon generation of your first IHG Rewards Club Credit Card Statement after the qualifying spend. If your IHG Rewards Club Premium Credit Card account is closed within the first 6 months of opening, IHG reserves the right to deduct the 20,000 bonus Rewards points from your IHG Rewards Club account.

  2. Platinum Elite Status

    As soon as you are accepted for the IHG Rewards Premium Credit Card, you will receive automatic Platinum Elite status, and all the benefits that come with it, unless you are already a Spire Elite member.

  3. Earn IHG Rewards Club points

    • 4 points are allocated per £1 spent at any IHG Hotel or Resort
    • 2 points are allocated per £1 (one pound) spent on all other Purchases in the UK
    • 4 points are allocated per £1 (one pound) spent on all other Purchases outside the UK.

    Points will only be earned on Purchases and will be deducted for returns or refunds.

    Points will be allocated to the value rounded down to the nearest pound.

    Points are only awarded to accounts that are open on the Statement date. All terms and conditions of the IHG Rewards Club apply.

    Points earned during a statement month will be shown on your IHG Rewards Club Premium Credit Card statement. The Creation online account management website (www.creation.co.uk) will show your points earned from credit card purchases after the transaction is posted to your IHG Rewards Club Premium Credit Card statement. You will not earn points on Balance Transfers, cash advances or insurances. Rewards points earned for IHG stays and other on-site purchases not paid for using your IHG Rewards Club Premium Credit Card will not be shown on your credit card Statement To check your current IHG Rewards Club points balance please visit www.ihgrewardsclub.com.

    Points earned on your IHG Rewards Club Premium Credit Card will be suspended if you default (arrears or over limit) on your account. Once your account is back in good order, you can start earning points again.

    If, during an IHG Rewards Premium Credit Card statement period, the total number of points redeemed or deducted for any reason (including returns and refunds) is greater than the number of points earned, then a negative points balance will be displayed on your IHG Rewards Club Premium Credit Card Statement. Points earned thereafter will first be applied against any such negative balance until a positive balance is achieved. Points may not be used as a form of payment towards your IHG Rewards Club Premium Credit Card

  4. Anniversary night voucher

    On the anniversary of your account opening, so long as your account remains active, you will earn one anniversary night voucher anniversary night voucher to redeem at any IHG property, provided you make annual pPurchases totalling a minimum of £10,000.  Annual purchases are calculated from your account opening date to the day before the first anniversary, and thereafter on an annual basis. This offer is subject to your IHG Rewards Club Premium Credit Card account remaining in good order.

  5. Account fee

    Your IHG Rewards Premium Credit Card carries an annual fee of £99, which is applied to your account in the first statement period, and annually thereafter. The annual fee is payable in full in the month it is applied to your account, and if not settled in full by the due date, will attract interest at your standard purchases rate.

  6. IHG Club Rewards Club Information

    Points accrued and rewards issued are subject to the terms and conditions of the IHG Rewards Club. Please see www.ihgrewardsclub.com for full terms and conditions of the IHG Rewards Club, including all up-to-date redemption values. Terms and conditions of the IHG Rewards Club may be modified without notice to cardholders, and services and benefits may be added or removed at any time. Individuals whose credit card applications are not approved will not be enrolled into the IHG Rewards Club through this offer, although existing IHG Rewards Club memberships will not be affected. Additional credit card holders will not be enrolled into the IHG Rewards Club through this offer. Points awarded through the use of the Additional Cardholder’s card will be credited to the principal cardholder’s IHG Rewards Club account.

    Please note: if you are not already an IHG Rewards Club Member, upon acceptance of your application for the IHG Rewards Club Premium Credit Card you will automatically be enrolled into the IHG Rewards Club.

  7. Data protection

    By enrolling into the IHG Rewards Club programme you agree to receive enrolment by email and/or mail, which detail the IHG Rewards Club benefits and special offers you can receive as a member.

    Any queries regarding Rewards point balances and/or redemption should be directed to the IHG Rewards Club Service Centre on 0371 226 1111 (Calls cost 13p per minute. Standard network rates apply. Calls from mobiles will be higher).

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