The Virgin Atlantic American Express Credit Card from MBNA is promoted by Virgin Atlantic Airways Limited, Registered Office: Company Secretariat, The Office, Manor Royal, Crawley, West Sussex RH10 9NU. Registered in England Number 01600117. Virgin Atlantic Airways Limited is an introducer appointed representative of Virgin Money Personal Financial Service Limited, Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ. Registered in England number 3072766.

The Virgin Atlantic American Express Credit Card is issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status, only to UK residents aged 18 or over. As this credit card is issued by MBNA you can't transfer a balance from another credit card issued by them. MBNA will monitor or record some phone calls. MBNA's consumer credit activities are licensed by the Office of Fair Trading (OFT) and MBNA's general insurance activities are authorised and regulated by the Financial Services Authority (FSA). CP0909_SMP_VAA_A. For full details of how we will allocate your repayments, particularly when promotional offers have the same rate, please see paragraph 2f of the full MBNA credit card terms and conditions.

Everything you buy using your Virgin Atlantic Credit Card earns you Flying Club miles. But cash transactions, money transfers, payments by credit card cheques and balances you transfer to MBNA Europe Bank Limited do not earn Flying Club miles.

You will either earn 1 Flying Club mile for every £1 you spend on your card, or if you have chosen a card with an annual fee, you will earn 2 Flying Club miles for every £1 you spend on your card. Miles are earned for each whole pound spent on each card purchase on your card. You will earn double your normal rate of miles on your Virgin Atlantic Credit Card when you spend direct with Virgin Atlantic and Virgin Holidays (and from time to time other partners), visit www.virginatlantic.com/creditcard for more information. Your personal information will be processed by Virgin Money Limited for the purpose of administering the Flying Club miles earned through your Virgin Atlantic Credit Card.

The number of Flying Club miles earned each month from credit card spend will be displayed on your monthly credit card statement, and will then be added to your Flying Club account within 30 days of the statement date. Please note, it is not possible to allocate Flying Club miles to your account before they have appeared on your statement. Where a refund is made on your card, your Flying Club miles total will be adjusted accordingly. Your card cannot be used within the Virgin Card Members Shop, and no cash alternative is available.

If you have not provided MBNA with a valid Flying Club membership number at the point your statement is generated, Virgin Atlantic will not be able to allocate Flying Club miles to your account. Please note the Flying Club membership number you give us must be for a Flying Club account in your name. If you have any additional cardmembers on your card account, any Flying Club miles they earn by spending on their card will also be credited to your Flying Club account.

You will earn 3,000 Flying Club miles if you make your first card purchase using your Virgin Atlantic Credit Card (or 6,000 Flying Club miles if you have a fee card) within 90 days of your account being opened. The Flying Club miles will be credited to your Flying Club account within 30 days of your statement date. If you have not provided MBNA with a valid Flying Club membership number at the point your statement is generated, Virgin Atlantic will not be able to allocate Flying Club miles to your account.

Your repayments will be allocated to balances at the lowest rates first. If you have balances attracting the same promotional rate, we will allocate your repayments to the balance at the promotional rate which ends first.

Spend £10,000 on card purchases (or £5,000 if you have a fee card) by the end of any year and you will receive a Premium Economy reward upgrade that, subject to availability, enables you to convert an Economy reward redemption into a Premium Economy reward redemption on Virgin Atlantic. Plus, spend another £10,000 (or £5,000 if you have a fee card) in that year and earn another Premium Economy reward upgrade. The main cardmember can only earn a maximum of two Premium Economy reward upgrades per card account in any one year. Card purchases exclude cash transactions, money transfers, payments by credit card cheques and balance transfers. A year is defined by the 12 month period starting from the date your Virgin Atlantic Credit Card account was opened. MBNA will notify Virgin Atlantic of your eligibility within 30 days of the end of the year if you are eligible. The reward will be added to your account on the anniversary date of the card i.e. the date the account was opened. Cardmembers must pay related taxes, fees and charges relating to the complimentary Premium Economy reward upgrade. These will vary according to the qualifying destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Flights and routes are strictly subject to availability. Premium Economy reward upgrades must be redeemed through the Flying Club Helpline prior to travel by calling 08444 122 414 and are not available through airport check-ins. Premium Economy reward upgrades are valid for 12 months from the date of issue. Once you have redeemed your Premium Economy reward upgrade you may not use miles to upgrade to Upper Class. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number.

If your card purchases equal or exceed £15,000 (or £7,500 if you have a fee card) in a year, you will be eligible to receive a companion reward flight the next time you book a qualifying flight with Virgin Atlantic. The Flying Club member or authorised Flying Club account user can request one companion return flight reward with Virgin Atlantic, provided that the Flying Club member and the companion both travel on the same flight and date, and in the same cabin, and the Flying Club member's ticket has been purchased at a qualifying adult fare (see Table 1 below). Companion rewards are not valid for flights purchased through Virgin Holidays, Virgin Atlantic Vacations, Virgin Values or any other tour operator. Other exemptions include flights purchased at promotional rates, group fares or other selected discount levels.

All Virgin Atlantic reward seat travel is strictly subject to availability. The number of redemption seats available on each flight is restricted and it is possible that the seats allocated on a particular flight may be fully booked, even though seats are still available in other booking classes. Some flights may have no availability on certain routes, and popular dates (i.e. weekends, school and public holidays) will fill quickly and Virgin Atlantic cannot guarantee availability. More seats for a particular flight may become available closer to departure. Information online regarding our latest redemption seat availability is a guide only and is correct at time of publication.

Card purchases exclude cash transactions, money transfers, payments by credit card cheques and balance transfers. A year is defined by the 12 month period starting from the date your Virgin Atlantic Credit Card account was opened. MBNA will notify Virgin Atlantic of your eligibility within 30 days of you becoming eligible. The main cardmember can only earn one companion reward round trip flight per card account in any one year. A companion reward is valid for 12 months from the date it is added to your Flying Club account. Cardmembers must pay related taxes, fees and charges relating to the complimentary companion return flight reward. These will vary according to the qualifying destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Tickets are valid for 12 months from the date of issue. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number. For bookings please contact the Flying Club Helpline on 08444 122 414.

Flying Club is operated by Virgin Atlantic Airways Limited. Registered office: Company Secretariat, The Office, Manor Royal, Crawley, West Sussex, RH10 9NU. Registered in England number 1600117. Full terms & conditions apply, please refer to www.virginatlantic.com

Virgin Holidays standard terms and conditions apply. 10% discount will be given to Virgin Atlantic Credit Card customers on all package holidays excluding insurance and accommodation only bookings. Discount does not apply to fuel surcharges, Airport Passenger Duty or personal travel insurance elements. Bookings must be made directly with the Virgin Holidays Call Centre by ringing 0844 557 3886 and not online. You must quote 'Virgin Atlantic American Express' at the time of booking to be eligible for the discount. Discount cannot be combined with any other offer, promotion or discount including Frequent Virgin Club membership & Tesco Clubcard points. When paying by credit card a 2% surcharge applies. This offer may be withdrawn or amended at any time. ATOL protected 2538. ABTA V2043.