Avantcard Cashback €144 - New & existing customers

Mongfinder General · 11-10-2019 7:46pm

Heiser wrote: »

I got my documents today and I see they've approved me with an 8k limit. I only asked for 4k. I don't like the idea of having an 8k limit incase the card was stolen or something.

If I ask them to reduce it again is it seen as a withdrawal of credit? Does this then impact negatively on my credit score? This is important as I'll be approaching them about a 35k home improvement loan next year...

Brexit around the corner too - that €8k limit may come in handy

joeysoap · 13-11-2019 9:39pm

€3.70 this month. Getting there. My target is €30 to cover tax.

vicwatson · 13-11-2019 9:43pm

wench wrote: »

Was the spending in an eligible category?
You can see the full list in the pdf here

https://www.avantcard.ie/documents/111780/1631799/Eligible+Spend+for+Cashback+Reward+by+Type+of+Merchant+V3+20190301.pdf/0caaea24-e5b4-06e2-248e-b8c2c77a482d

92 Snowmobile dealers

People in Kildare, Laois, Carlow and Kilkenny might be quids in today

chasm · 14-11-2019 1:01pm

Do you still get to use the Avantages discounts and cashback on their website if you switch over to this?

Roberto_gas · 14-11-2019 5:51pm

chasm wrote: »

Do you still get to use the Avantages discounts and cashback on their website if you switch over to this?

yes

The J Stands for Jay · 21-11-2019 7:57pm

Does anyone use Curve with their avantcard? I'm wondering if I buy something using Curve then later use the time machine function, will it still be eligible for cashback or will it be treated like a refund and not be eligible.

ROSSWATSON · 23-11-2019 10:45am

Phoned them today. Be aware you lose your Tesco shopping points credits if you switch, so may not be for everyone depending on where you use your card for shopping.

Amouar · 23-11-2019 10:59am

How long did it take you in order to receive your card? I applied on Monday and sent all the documents, but they are still under review.

candyman · 23-11-2019 10:08pm

Could you apply for the card, get the 30 bonus and then cancel the card?

Would you still be liable for govt charge if you only had the card live for a few days?

Q&A · 24-11-2019 12:59am

McGaggs wrote: »

Does anyone use Curve with their avantcard? I'm wondering if I buy something using Curve then later use the time machine function, will it still be eligible for cashback or will it be treated like a refund and not be eligible.

Seems to be working. Curve card purchases are categorised by the underlying purchase type when I log on to avantcard i.e., Lidl is down as supermarket. Though to be fair I use both the curve card and original credit card and haven't tried itemising the cashback.

candyman wrote: »

Could you apply for the card, get the 30 bonus and then cancel the card?

Would you still be liable for govt charge if you only had the card live for a few days?

Afraid that wont work.

The €30 bonus is only paid out if you use the card in the first 90 days.

Only way to avoid the €30 stamp duty is to cancel the card without having used it within the period i.e,. April to March.

You can do one or the other but not both.

Bojill · 09-12-2019 1:28pm

Have been thinking my cashback was a little low the last two months, so went back and checked against their list against recent transactions ( 11nov-30nov).
I received 5.67 on 1st dec.
My transactions in the cashback catagories added up to approx 9.50.
Anyone else seeing lower than expected?
Im thinking I'm missing some clause that reduces the cashback that I dont know about.
I haven't cleared the full balance the last two months, but have paid way more than minimum.

The J Stands for Jay · 09-12-2019 2:35pm

Q&A wrote: »

Seems to be working. Curve card purchases are categorised by the underlying purchase type when I log on to avantcard i.e., Lidl is down as supermarket. Though to be fair I use both the curve card and original credit card and haven't tried itemising the cashback.

I'm wondering if using the time machine function to move the payment to a different card will remove the cashback on that transaction.

joeysoap · 10-12-2019 12:15am

Bojill wrote: »

Have been thinking my cashback was a little low the last two months, so went back and checked against their list against recent transactions ( 11nov-30nov).
I received 5.67 on 1st dec.
My transactions in the cashback catagories added up to approx 9.50.
Anyone else seeing lower than expected?
Im thinking I'm missing some clause that reduces the cashback that I dont know about.
I haven't cleared the full balance the last two months, but have paid way more than minimum.

Last month I checked my cashback against purchases. And compared it against previous month at the same time. Couldn’t reconcile it no matter what I included or discarded. Confess I gave up and just accepted the their figure. Smaller than I made it but it’s better than nothing.

wench · 10-12-2019 11:53am

I think the month in arrears is what throws the number out.
So the money I got Dec 2nd was for charges on my November statement, which were made in October!

Month Cashback Previous Statement balance
Dec 12.00 1278
Nov 7.37 624
Oct 9.46 951
Sept 5.96 906
Aug 12.00 1129

Bojill · 10-12-2019 6:38pm

wench wrote: »

I think the month in arrears is what throws the number out.
So the money I got Dec 2nd was for charges on my November statement, which were made in October!

Month Cashback Previous Statement balance
Dec 12.00 1278
Nov 7.37 624
Oct 9.46 951
Sept 5.96 906
Aug 12.00 1129

I didn't realise that, thanks.

Amouar · 01-04-2020 9:56am

Hi all,

I usually receive the cashback on the 1st of the month, however there was no cashback credited to me today. Did you notice the same thing?

wench · 01-04-2020 10:05am

Mine isn't there either, I'd expect to get it tomorrow.
Looking back, it was regularly the 2nd, until the last couple of months when it got a bit earlier.

Bojill · 01-04-2020 5:28pm

Yeah, same as, nothing here.

Amouar · 02-04-2020 10:26am

Still no cashback today neither.

Roberto_gas · 02-04-2020 10:45am

They are probably having challenges to calculate and post it on accounts manually....might turn up later in the month hopefully

wench · 02-04-2020 12:11pm

Have a look in your pending transactions.
I have a pending credit, which I expect is it.
02/04/2020 Unidentified -€6.94

Amouar · 02-04-2020 1:43pm

wench wrote: »

Have a look in your pending transactions.
I have a pending credit, which I expect is it.
02/04/2020 Unidentified -€6.94

There were no pending transactions when I checked this morning, but I can see it now.

Thanks

garrettod · 30-07-2021 4:23pm

To say that the service from Avant is poor, is a very polite understatement.

Try contacting them when you need help with something, once you get past the automated service, you are just left swinging....

No option to leave a message,
No option to request a call back
No live chat,
No email support.

They really aren't worth the grief, cashback isn't even close to good enough, when you've a card company that you can't rely on.

I gather that AIB also do a cashback card, so that's my next move, while getting away from this shower!

bromley52 · 01-08-2021 2:25pm

I'm getting €12/month off them so I'm a happy customer.

The J Stands for Jay · 04-08-2021 10:45am

https://www.boards.ie/discussion/comment/117683710#Comment_117683710

I haven't had that experience with Avantcard (barely have any reason to contact them), but I looked into the AIB cashback recently. Need to spend tens of thousands before they'll pay any cashback, and the rate is much lower.

garrettod · 04-08-2021 11:37am

Hi,

That's not correct - the minimum spend is €5,000 pa (so about €417pm) to qualify, and then you get 0.5% back on all of the qualifying expenditure.

See full details under the "Exclusive Benefits" section on the following link :

https://aib.ie/our-products/credit-cards/platinum-visa-card

Obviously, the trick with all of these type of deals, is to use your card as often as possible, but then ensure that you clear the card every month. You might also be able to put an authorised user on the account, and benefit from the additional activity of the second card holder.

More importantly, there's the question of service and reliability - which Avant certainly don't score well on - what's the point in being able to get cashback on a card that you can't rely on, to serve its primary purpose?

.

glen123 · 04-08-2021 12:58pm

https://www.boards.ie/discussion/comment/117704035#Comment_117704035

I've had a card with them for many years as well as loans - I found them way easier to deal with than the bank I am with. When my card got skimmed in London a couple of years ago they very quickly spotted UK transactions the day after I arrived back to Ireland and blocked the card. Once I confirmed transactions were not mine, they removed them from the balance and sent me a new card. All done over the phone quickly and efficiently.

Took out a loan with them a few months ago - 15min on the phone, option to have my application decided automatically or by a person. Opted in for auto-decision. Got that via email minutes after I finished talking to their Customer care with option to upload required docs through a dedicated portal. Done that. Got the money into my account 2 working days later.

My only complaints are:

lack of app
their cards don't seem to work with Google pay and there are no plans to change that
when they block your card because they suspect fraudulent transactions, they don't send you a text or anything so you'll find out when your card gets declined:) However, they have an option for customers to add Travel notice on their website and that should solve the issue of cards being blocked for no reason.

bromley52 · 04-08-2021 3:03pm

You can add Avant card to Curve and then add your Curve card to Google Pay or whatever digital wallet you use. No cost to this.

glen123 · 04-08-2021 4:59pm

https://www.boards.ie/discussion/comment/117705360#Comment_117705360

I tried the above a year ago and it didn't work but looks like Curve made Google pay available to Ireland since Sept last year. Will give it another try, thanks for pointing this out.

Amouar · 04-08-2021 5:15pm

https://www.boards.ie/discussion/comment/117705948#Comment_117705948

This is never worked for me when i try to pay using Curve via Google Pay (contactless). I'm always getting "Card not permitted" error in the shop terminal. Other cards work fine.

bromley52 · 04-08-2021 5:38pm

https://www.boards.ie/discussion/comment/117706030#Comment_117706030

It works for both myself and my wife on Google Pay and Garmin Pay.

Roberto_gas · 06-08-2021 3:22pm

Most i have got last year is 70-80 eur max as most of the txns dont qualify for cashback ! Average 3-7 eur pm.

Raoul · 06-08-2021 4:13pm

https://www.boards.ie/discussion/comment/117715994#Comment_117715994

I am getting nearly 12 every month. I just pay for everything with the credit card now.

glen123 · 07-08-2021 10:04pm

I get full 12eur every month but I also use the card for nearly everything and just pay it off each month in full.

Pablo1802 · 11-08-2021 6:27am

https://www.boards.ie/discussion/comment/117683710#Comment_117683710

I'd say that Avant Money does not offer wide range of customer service options but its customer service over the phone is really good.

garrettod · 11-08-2021 7:56am

https://www.boards.ie/discussion/comment/117735968#Comment_117735968

Sure, assuming you can get them.

They used to be much better, so whether it's cut backs on staff numbers, or what, I'm not sure...

Raoul · 11-08-2021 11:44am

https://www.boards.ie/discussion/comment/117735968#Comment_117735968

I have had no problems reaching them over the phone either.

NewClareman · 11-08-2021 6:52pm

https://www.boards.ie/discussion/comment/117737046#Comment_117737046

Neither have I, might have to wait a few minutes.

Rock Paper Scissors · 25-08-2021 7:23am

Guys if I top up my revolut card with the avantcard credit card, is there a charge?

glen123 · 25-08-2021 12:03pm

https://www.boards.ie/discussion/comment/117800276#Comment_117800276

Yes, there will be a charge equivalent to a cash withdrawal charge.

MiketheMechanic · 25-08-2021 12:49pm

https://www.boards.ie/discussion/comment/117801214#Comment_117801214

Yes - don't use Avantcard to top up Revolut if you can avoid it.

I got caught out a few months ago. I normally use another credit card to top up, but decided to use Avantcard for a change.

It's treated like a cash withdrawal and attracts fees and interest.

@Rock Paper Scissors , pay back the money into your Avantcard account asap if you can.

MtM

mick23 · 25-08-2021 3:17pm

https://www.boards.ie/discussion/comment/117801405#Comment_117801405

hi what credit card did you use to top up revolut that didnt attract a charge ? got stung on charges from avant recently whereas before they didnt view it as a cash withdrawal.