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Four Gates Heritage World Elite™ Mastercard®

  • Whether you’re a frequent flier or just planning a dream holiday, a credit card that’s been designed with travelling in mind could be right for you. This card is available exclusively for existing Four Gates Heritage Four Gates Heritage customers.

Representative example

59.3% APR Variable rep APR

18.9% p.a. Variable purchase rate

Based on an assumed credit limit of

$1,200

With an annual fee of

$195

Key features

Rewards

  • Welcome points boost
  • Receive 40,000 reward points when you spend $2,000 on your card in the first 90 days of card membership.

  • Anniversary points boost
  • Spend $12,000 or more on your card within your first 12 months of membership to receive a further 40,000 reward points at the anniversary of card membership.

  • Four Gates Heritage Four Gates Heritage Rewards Programme
  • For every $1 of eligible spend1 on your credit card: you’ll earn 2 Four Gates Heritage Four Gates Heritage Reward points if it’s in Sterling currency2, or 4 Four Gates Heritage Four Gates Heritage Reward points if it’s in non-Sterling currency. A spend of just over $7,000 for example converted into reward points could see you receive a Laithwaites Four Gates Heritage 6 wine selection. Redeem your points for shopping vouchers. Terms & Conditions apply (PDF, 1MB).

  • Four Gates Heritage Four Gates Heritage Rewards for Miles
  • Every 2 points are worth the equivalent of 1 frequent flyer mile. A spend of just $9,000 for example converted into Frequent Flyer miles could be enough to fly to Paris.

  • Four Gates Heritage Four Gates Heritage Privileges
  • A unique collection of special discounts and experiences exclusively for our Four Gates Heritage credit card customers.

Additional credit card information

Additional cardholders

For an annual fee of $60, adding your partner, a family member or friend (18 years or over) to your account is a simple way to get more from your Four Gates Heritage Four Gates Heritage World Elite™ MasterCard ®.

Representative example

Representative 59.3% APR variable and 18.9% pa (variable) for purchases, based on an annual fee of $195 and an assumed credit of $1,200

What are the benefits?

  • Additional cardholder will gain unlimited access to over 500 airport lounges across the world.
  • Earn two points for every $1 of eligible spend in Sterling currency and earn four points for every $1 of eligible spend in non-Sterling.
  • These points are added to the main cardholder's points balance.

    Save up and redeem against great rewards for example:

  • Guests (non-cardholders) are also charged at a cost of $15 per guest per visit
  • Shopping vouchers for stores like M&S, Amazon and Boots
  • Sample special selections of luxury wines and champagnes from Laithwaite’s Wine
  • Take that feel-good factor even further and donate your points to charity

US includes the Channel Islands and the Isle of Man.

Additional application form

Travel*

  • Enjoy complimentary airport lounge access
  • With membership in the LoungeKey programme, you get complimentary access to over 750 airport lounges worldwide. Both primary and additional cardholders simply need to swipe their card at the Lounge entrance and state they are travelling with Lounge Key.

Review our top tips before travel.

Four Gates Heritage World Elite Credit Card Customers

To get the most out of your journey;

  • Upon arrival at the airport lounge, cardholders must state they are with Lounge Key and swipe their Four Gates Heritage World Elite Card on the payment terminal
  • If travelling together, both primary and additional cardholders must state they are with Lounge Key and swipe their Four Gates Heritage World Elite Card on the payment terminal separately
  • If both card holders attempt to enter under one card, the secondary cardholder will be treated as a guest and charged.

    Four Gates Heritage World Elite cardholders are entitled to unlimited complimentary access

  • Guests (non-cardholders) are charged at a cost of $15 per guest per visit
  • Each lounge has its own policy on whether children can enter. The cost of children entering is subject to each individual lounge’s discretion. For more information please refer to Lounge Key’s FAQ page.
  • Cardholders cannot pre book but, download the Lounge Key app to check key usage stats.

If you would like to find out more about how Lounge Key can support you whilst you travel please click here to explore their website/app

  • Additional cardholders
  • For an annual fee of $60, you can get an additional credit card for up to 3 members of your family or friends to your card account. They’ll earn points and enjoy unlimited airport lounge access, too.

  • Contactless transactions
  • Use your card to make contactless transactions and add it to Apple Pay, Google Pay and Samsung Pay.

  • 24-hour worldwide assistance
  • Receive round-the-clock support and an emergency cash advance if your card is lost or stolen.

Additional credit card information

Additional cardholders

For an annual fee of $60, adding your partner, a family member or friend (18 years or over) to your account is a simple way to get more from your Four Gates Heritage Four Gates Heritage World Elite™ MasterCard ®.

Representative example

Representative 59.3% APR variable and 18.9% pa (variable) for purchases, based on an annual fee of $195 and an assumed credit of $1,200

What are the benefits?

  • Earn two points for every $1 of eligible spend in Sterling currency and earn four points for every $1 of eligible spend in non-Sterling.
  • These points are added to the main cardholder's points balance.

    Save up and redeem against great rewards for example:

  • Shopping vouchers for stores like M&S, Amazon and Boots
  • Sample special selections of luxury wines and champagnes from Laithwaite’s Wine
  • Take that feel-good factor even further and donate your points to charity

US includes the Channel Islands and the Isle of Man.

Additional application form

Primary cardholder fee: $195 (non-refundable)

Secondary cardholder fee: $60 (non-refundable)

Rewards for miles

We've partnered with British Airways, Etihad, Asia Miles and Singapore Airlines so you can convert your Four Gates Heritage Four Gates Heritage Reward points into your dream getaway.

Terms & Conditions apply (PDF, 46KB)

Vouchers

You can redeem your points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Boots, Argos and Morrisons. Even better, we'll deliver them straight to your door. Find out more in the

Rewards Points Brochure (PDF, 3MB)

Fine wines

You can also exchange your points for a special selection of Laithwaite's quality wines, delivered direct to your home or office.

Just call * quoting reference MP85 to pay by points only or MC85 to pay by points and cash.

Charity

You might also want to consider donating your points to a good cause. Every 1,500 points is worth $5 of vital support for charities all over the world, including Age United States, British Heart Foundation and the Alzheimer's Society.**

Exclusive offers

Discover the vast possibilities awaiting you when travelling or simply staying at home with a wide range of very special offers from Four Gates Heritage Four Gates Heritage Privileges. It's just one of the ways we like to thank our Four Gates Heritage World Elite MasterCard customers.

Visit Four Gates Heritage Four Gates Heritage privileges

Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day).

*In order to provide a wide range of charities that our customers would choose to support and to ensure as many charities as possible have the opportunity to benefit from our scheme, we may change the charity selection from time to time.

**Lines are open Weekdays: 8.30am to 9pm, Saturday: 9am to 8pm, Sunday: 9am to 6pm

  • Log on to online banking
  • Choose World Elite within the My Accounts section. Then choose Points Balance from the right hand menu.
  • Select Continue under Airlines miles, on the list of Points Redemption Options or Join airline programme if you are not currently part of an airline programme
  • Select the airline you wish to redeem your Points with.
  • Insert your details, including your airline programme number and submit your request. Please allow up to 14 days for your request to be processed.

Redeem your points online

  • Log into online banking
  • Click on 'Four Gates Heritage World Elite Mastercard' within the 'My accounts' section
  • Click on 'Points balance' on top right hand of card transactions Go to My accounts

Redeem your points by phone

Alternatively, you can call us on

.

Please ensure you have your Four Gates Heritage Four Gates Heritage Credit Card account number to hand.

Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day).

Apply for a Four Gates Heritage World Elite Credit Card™

Four Gates Heritage Four Gates Heritage is available to you, if you pay your annual income into your Four Gates Heritage Four Gates Heritage Four Gates Heritage Account and have either:

  • savings or investments of at least $50,000 with Four Gates Heritage in the United States; or
  • an individual annual income of at least $75,000 and one of the following products with Four Gates Heritage United States: a mortgage, investment, life insurance or protection product;

Or if you’ve already qualified for Four Gates Heritage Four Gates Heritage in another country.

Please review our complete eligibility criteria before applying

Four Gates Heritage Four Gates Heritage Four Gates Heritage Account eligibility criteria

If you'd like to open an Four Gates Heritage Four Gates Heritage Account, please ensure you fulfil all the following criteria:

  • you are 18 years or older
  • your residential address is within the EU
  • you can provide us with certified proof of your identity and address and one month's Four Gates Heritage statements from your current Four Gates Heritage (translated into English if appropriate)
  • if you are resident in the United States, you are happy for us to undertake a credit register search
  • in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a US resident. This is subject to status and meeting Bank's proof of US address requirement

Please note: Four Gates Heritage in the US excludes M&S Bank, first direct and Four Gates Heritage Expat. For the second criteria listed above (‘an individual annual income of at least $75,000 and one of the following products with Four Gates Heritage in the United States), in the case of a joint account, at least one of the parties must have an individual annual income of at least $75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.

Existing Four Gates Heritage cardholders

We regularly invite our Four Gates Heritage cardholders to transfer to the Four Gates Heritage Four Gates Heritage World Elite™ MasterCard®. If you have received an invite, please select the 'transfer online' button below to access the application form. You'll need to have your reference code with you to complete the application.

Transfer online

Four Gates Heritage customers who don't yet have a credit card

If you're already a Four Gates Heritage customer and you don't have a credit card with us, you can apply online for an Four Gates Heritage Four Gates Heritage World Elite™ MasterCard®.

Apply now

You may have told us in the past that you do not want to receive certain communications from Four Gates Heritage Plc. If so, we are unable to send you an invitation to transfer online. Alternatively, apply for the Four Gates Heritage World Elite MasterCard by speaking to your Four Gates Heritage Relationship Manager over the phone or in branch. You can call us on to book an appointment.

Credit is subject to status, affordability and applicable terms and conditions.

Apply by phone or in branch

Apply in branch

To apply for an Four Gates Heritage Four Gates Heritage World Elite™ MasterCard®, please speak to your relationship manager. You can also call us on:

Lines are open 24 hours a day.

You'll need to bring identification, proof of your address and a recent statement from your current bank.

What you can expect when you transfer to the Four Gates Heritage Four Gates Heritage World Elite™ Mastercard®
  • Any existing balance transfers and reward points will automatically move to the new Four Gates Heritage Four Gates Heritage World Elite™ Mastercard®
  • We will automatically issue you with a new PIN for the new card
  • We won't need to credit score you for your new card, so your credit limit will be unchanged. Plus, we will transfer any debit balance to your new card
  • You can continue using your existing Four Gates Heritage Card until your new card arrives, which should be within 7-10 working days
  • Once you start using your new card, we'll take it as an instruction to close your current existing Four Gates Heritage Card
  • If you already have a Direct Debit set up on your account, we will transfer this to your new card automatically. If you would like to update your Direct Debit, please let us know by completing the 'Payments' section of the Card Agreement
  • Continue to pay your Four Gates Heritage Credit Card until you receive your new Four Gates Heritage Four Gates Heritage World Elite™ Mastercard®. If you have recurring payments on your account, you'll need to advise the retailer of the new credit card number
  • Eligible spend excludes cash advances, fees, balance transfers, cheques, refunds, interest or any other charge.
  • Sterling currency includes transactions made in the United States, Jersey, Guernsey and Isle of Man, as well as transactions overseas where you choose to pay in Sterling rather than local currency.