Premium Cards
A card that carries its weight
The Nordhaven Reserve card is milled from 16 grams of stainless steel, paired with lounge access, worldwide travel cover and cashback that improves as your balances grow.
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- Annual fee
- £195
- Lounge visits
- Unlimited
- Travel cover
- £5m
- Cashback
- Up to 2.1%
What's included
Five things that come with the metal
Every Reserve card holder gets the same baseline; tiers only change the cashback rate and the number of supplementary cards.
Milled steel card
16 grams, laser-etched, with a tap-and-pay chip embedded flush into the body.
LoungeKey membership
Unlimited visits for you and one guest across 1,400 lounges in 130 countries.
£5m travel cover
Medical, cancellation, baggage and winter sports cover on trips up to 90 days.
Cashback tiers
0.5% to 2.1% depending on combined balances, paid monthly with no cap.
Cashback
Cashback that tracks your relationship, not your spending category
No rotating categories and no exclusions on rent, tax or transfers — the rate simply rises with your combined balances across current, savings and multi-currency accounts.
Foundation — 0.5%
Combined balances up to £25,000. No minimum spend, paid on the 1st of each month.
Ascent — 1.2%
Combined balances from £25,000 to £150,000, plus two supplementary cards at no extra fee.
Reserve — 2.1%
Combined balances above £150,000, plus a dedicated relationship manager and four supplementary cards.
Paid, not points
Cashback lands as cash in your current account — never a points balance that expires or loses value.
Reserve card — annual value
- Annual fee
- £195
- Lounge visits (avg. holder)
- 11 / year
- Lounge value at market rate
- £33 per visit
- Cashback at Ascent tier
- 1.2%
- Travel cover, per policy
- £5,000,000
Illustrative figures for a holder with average combined balances of £60,000 and typical travel frequency.
Travel
Cover that applies before you've booked anything
Travel cover activates on the card itself, not on a specific booking, so a spontaneous trip is covered the moment you fly.
Medical & repatriation
Up to £10m medical expenses and full repatriation, worldwide, on trips up to 90 days.
Cancellation & curtailment
Up to £5,000 per person if a trip is cancelled or cut short for an insured reason.
Baggage & delay
Up to £2,000 for lost or delayed baggage, and £50 per hour after a four-hour delay.
Family cover included
Cover extends to a spouse or partner and dependent children travelling together.
FAQs
Questions, answered plainly
Next step
Carry a card built for how you actually travel
Lounge access, travel cover and cashback that rises with your relationship — no annual review required.