If you have ever looked at your Revolut plan fee and wondered whether the RevPoints you are earning actually make up for it, you are asking the right question. Revolut publishes its earn rates and fees clearly, but nobody adds it all up for you in one place. This guide, and the calculator it supports, does exactly that.
What RevPoints actually are
RevPoints is Revolut's loyalty programme. You earn points by spending on an eligible Revolut debit or credit card, and by booking hotels through Revolut Stays. Revolut is explicit that RevPoints are not a payment method and are not a regulated financial product in themselves, even though the card spending that earns them is tied to a regulated account. Points sit in your account balance and can be redeemed inside the Revolut app.
The redemption option this whole site is built around is transferring RevPoints into Flying Blue miles, the loyalty currency run jointly by Air France and KLM. Revolut and Flying Blue confirm a fixed 1:1 transfer ratio: one RevPoint becomes exactly one Flying Blue mile, with no sliding scale or bonus tiers that change over time (Flying Blue's Revolut partner page, Revolut's Airline Miles FAQ). That 1:1 ratio is what makes the whole calculation on this site possible: once you know your RevPoints earn rate, you already know your Flying Blue mile earn rate.
How you actually earn RevPoints
Earn rates depend entirely on which Revolut plan you are on and whether you are spending on a debit or credit card. This calculator uses one of Revolut's officially published regional rates pages as its baseline and converts everything into your chosen currency; the plan structure below looks like this:
| Plan | Monthly fee (AUD) | Debit earn rate | Credit earn rate |
|---|---|---|---|
| Standard | Free | Does not earn RevPoints | — |
| Plus | Paid, low tier | Does not earn RevPoints | — |
| Premium | Paid, mid tier | Earns RevPoints | Earns RevPoints |
| Metal | Paid, top tier | Higher earn rate | Higher earn rate |
| Ultra | Paid, invite/waitlist | Highest published rate | Highest published rate |
The exact percentages and per dollar rates shift from time to time, which is why the calculator pulls live numbers from Revolut's official RevPoints rates page rather than hardcoding a table that goes stale. The pattern that matters for your decision is simple: Standard and Plus do not earn RevPoints at all, so if you are on either of those plans, RevPoints cannot be part of the reason to keep or upgrade your account. Premium, Metal, and Ultra all earn, with the rate generally increasing as the monthly fee increases.
Turning a RevPoint into a dollar figure
A RevPoint, and therefore a Flying Blue mile, is only worth something once you put a value on it. Flying Blue has used fully dynamic award pricing since 2018, meaning there is no fixed redemption chart. The same route can cost very different numbers of miles depending on the date, demand, and cabin. That makes a single "true" value per mile impossible to pin down, but industry trackers publish reasonable ranges by averaging real redemptions:
- Economy leaning average: roughly 1.4 US cents per mile
- Balanced average across cabins: roughly 2.1 US cents per mile
- Business or premium cabin average: roughly 2.4 US cents per mile
The balanced figure averages The Points Guy's monthly valuation (1.55 US cents as of their July 2026 update) with One Mile at a Time's valuation (1.3 US cents), rather than leaning on just one tracker. The economy figure leans on NerdWallet's median booking data (roughly 0.8 to 1.2 US cents), checked against SkyStatus's Flying Blue sweet spot guide for routes that redeem particularly well. The calculator defaults to the balanced 2.1 cent figure but allows you to adjust it up or down, because your own travel habits are the biggest variable here. Someone who only ever redeems for short economy hops should use a lower number; someone seeking business or premium cabin redemptions should use a higher one. Every other airline programme in the picker is valued the same averaging method — shown per programme once selected.
If you already have a specific flight in mind, skip the estimate entirely. The calculator's "I know my redemption" mode asks for the cash price of the flight, the taxes and fees charged on the award booking, and the miles required, then calculates the exact value per mile for that one booking: (cash price − taxes and fees) ÷ miles required. That is a precise number for that specific flight, though it will not necessarily match what you get on a different route or date given how dynamic Flying Blue's pricing is.
The five Revolut plans, and who each one actually suits
It helps to be honest about what each plan is actually for, separate from RevPoints:
Standard is free and has no meaningful FX perks or RevPoints earning. It exists so anyone can hold a Revolut account. If you are on Standard, this whole calculator is irrelevant to you, because there is no fee to justify and no points to earn.
Plus adds a small monthly fee for a few quality of life features but still does not earn RevPoints. If you are paying for Plus purely hoping it earns points, it does not, and you should either move to Premium or drop back to Standard.
Premium is the first tier that earns RevPoints on both debit and credit spending, and is also the plan tier where the bundled partner app perks (see below) start to appear. For most people who travel a couple of times a year and want to dip a toe into rewards, Premium is the natural comparison point.
Metal raises the RevPoints earn rate meaningfully and unlocks a wider partner perk bundle, but at a noticeably higher monthly fee. Metal only pays for itself if your spend is high enough that the extra earn rate, plus any perks you would genuinely use, outweighs the fee jump from Premium.
Ultra is Revolut's top invite or waitlist tier with the highest published RevPoints rate and the largest perk bundle, but also the highest fee by a wide margin. It only makes sense for very high spenders who will actually use several of the bundled subscriptions.
The partner perk trap
Metal, Premium, and Ultra bundle free access to a rotating set of partner apps — things like NordVPN, Tinder, ClassPass, Duolingo, and MasterClass, depending on the tier. It is tempting to add up every single one of those subscriptions' full retail price and call that "free value" from your Revolut plan. Do not do that. The honest way to value these perks is to only count the ones you would actually pay for anyway, because a free VPN subscription is worth nothing to you if you were never going to buy a VPN in the first place. The perk picker in the calculator is built around this principle: tick only the perks you would genuinely use, and it folds just that value into your verdict, not the full theoretical bundle.
Rule of thumb: if the only reason a plan looks "worth it" is a pile of bundled subscriptions you would never have paid for individually, it is not actually worth it — the RevPoints and genuine perks need to carry the fee on their own.
Two worked examples
The occasional traveller. Say you spend the equivalent of A$1,200 a month on your Revolut debit card and nothing on credit, and you are considering Premium. At a typical Premium debit earn rate, that spend generates a modest number of RevPoints each month. Valued at the 2.1 cent balanced estimate, converted to Flying Blue miles at 1:1, the monthly mile value for many real world Premium spenders sits well below the plan's monthly fee unless spend is fairly high. For this profile, RevPoints alone rarely justify Premium over Standard; the case for Premium usually comes down to other features (FX limits, insurance, faster support) rather than points.
The heavy dual card spender. Now say you run A$4,000 a month combined across debit and credit on Metal, and you would genuinely use two of the bundled perks (say NordVPN Plus and The Athletic, worth roughly US$22 a month combined at standalone pricing). At Metal's higher earn rate, the RevPoints generated from that spend, valued at 2.1 cents, plus the two perks you would actually use, can comfortably clear Metal's monthly fee. This is the profile Metal is actually designed for: high, consistent spend plus at least one or two perks you would have paid for regardless.
Run your own numbers in the calculator above rather than relying on either example — spend levels, plan pricing, and your own mile valuation all move the answer meaningfully.
Redeeming Flying Blue miles well
Since Flying Blue prices awards dynamically, the biggest lever you control is picking good redemptions rather than expecting a fixed chart. A few practical habits from frequent Flying Blue users: book as early as possible for peak dates since award space and pricing both get worse closer to departure; watch for Flying Blue's periodic "Promo Rewards" discounts, which can meaningfully cut the miles needed on selected routes; and compare a few candidate dates in the app before committing, because dynamic pricing means neighbouring days on the same route can require very different mile amounts. None of this is guaranteed, which is exactly why the calculator treats the mile value as an assumption you control rather than a fixed fact.
When RevPoints is not the deciding factor
RevPoints and Flying Blue miles are one lens on "is my Revolut plan worth it," not the whole picture. Foreign exchange fees and limits, ATM withdrawal allowances, savings interest rates, and travel insurance all vary by plan too, and for many people those matter more day to day than a loyalty programme. If you are also comparing Revolut against other multicurrency cards on the market, see our card comparison page for how Wise and Curve stack up on the fee side, separate from any points programme.
For quick answers to specific questions, the FAQ page covers expiry rules, how accurate this tool is for your specific country, and a handful of other common questions people ask about RevPoints.