my Aviva flex card
Save up to 10% on your groceries, clothes, electrical goods, music and more.
Now available to select at anytime!
Get great savings when you use your card to shop at well-known high street retailers like Sainsbury’s, John Lewis, Boots, Argos, Debenhams, Homebase and HMV. Once you have your card, you can also top up your card for larger one-off purchases and save on those as well.
To select a card or amend your payment levels anytime, go to the my Aviva flex system.
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Roll over the photographs to see some examples of the difference this could make |
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At a glance
What is it?
You can choose to load between £10 and £1,000 per month on to my Aviva flex card, which is a Visa chip-and-PIN debit card that you can use at any of the retailers in the table below - online as well as in store. You can save up to 10% on your shopping, which will be automatically added to your card account the following month. You can take an additional card for your partner and you can also choose to top up your card for large one-off purchases and save even more.
| Retailer | Cashback | Retailer | Cashback |
|---|---|---|---|
| American Golf | 6% | Leslie & Davis | 10% |
| Argos | 5% | Mappin & Webb | 10% |
| Babies are Us | 6% | Marks & Spencer | 5% |
| BHS | 7% | Malmaison | 6% |
| Boots | 6% | Marriott Hotels UK | 7% |
| Burton | 7% | Miss Selfridge | 7% |
| Buyagift | 8% | Mothercare | 7% |
| B&Q | 4% | My Personalised Wine | 10% |
| Champneys | 5% | New Look | 7% |
| Coast | 5% | Oasis | 5% |
| Comet | 5% | Outfit | 7% |
| Currys | 7% | PC World | 7% |
| Debenhams | 6% | Pizza Express | 8% |
| Dorothy Perkins | 7% | River Island | 6% |
| ELC | 7% | Robert Dyas | 7% |
| Ernest Jones | 10% | Sainsburys (not petrol) | 4% |
| Evans | 7% | Spafinder | 10% |
| Goldsmiths | 10% | Thomas Cook* | 3% |
| Halfords | 7% | Topman | 7% |
| Hamleys | 7% | Topshop | 7% |
| HMV | 6% | Toys R Us | 6% |
| Homebase | 5% | Virgin Experience Days | 7% |
| Hotel du Vin | 6% | Wagamama** | 10% |
| Hotel Hippo.com | 10% | Wallis | 7% |
| House of Fraser | 5% | Warehouse | 5% |
| H. Samuel | 10% | Watches of Switzerland | 10% |
| Jessops | 5% | Waterstones | 6% |
| JJB Sports | 6% | WH Smith | 6% |
| John Lewis (not Waitrose) | 5% | Wilkinsons | 6% |
| Laithwaites | 7% |
The flexcard can also be used online with some of the above retailers – check out the attached terms and conditions for more details.
* Phone service only – call 0844 879 8097
** Not accepted at Wagamama in Harvey Nichols
NOTE: Retailers and cashback rates are subject to change from time to time.
How it works
- Think about how much you regularly spend on shopping each month for things like food, clothes, household goods etc. and decide how much you want to load on to your card - from £10 up to a maximum of £1,000 per month.
- You will be able to adjust the monthly amount you pay at any time within these limits through the flex system. The card can only be cancelled during the annual flex enrolment window, and must be held for at least 12 months.
- There is a monthly administration charge of £1.50 per card and you can choose to take a card for your partner for an additional charge of 90p per month.
- You can use your card in any of the participating retailers, spending as much or as little as you like each month, as long as you remain within the card balance. You don't need to stick to the same shops all the time - as long as they are participating in the scheme your savings will automatically be added to your card the following month.
- You can top-up your balance to a maximum of £5,000, for a one-off charge of 50p if you want to benefit from the retailer discount on bigger purchases like a flat screen TV, new fridge or summer holiday.
- If you’ve previously selected this benefit through my Aviva flex and you’re happy with the monthly amount you don’t need to do anything at annual enrolment, the benefit will simply continue as before.
- For general questions about this benefit, you can call the my Aviva flex helpline on 0800 917 2310.
Saves on Tax?
Saves on NI?
Key points to consider
- Are you planning any big purchases over the year where you could save even more money?
- You will need to keep the card for at least 12 months, and the card can only be cancelled during the annual flex enrolment window. If you cancel the card less than 12 months after you selected it, you will be charged the outstanding administration fees for the 12 month period.
- How much do you typically spend in the retailers participating in the scheme each month?
- How much could you save if you used your card to make these purchases?
What happens next
If you're selecting this benefit for the first time, in the month following enrolment you will be sent your card and PIN under separate cover, along with details on how to activate your card, check your balance online and make top-ups.