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This is a useful card as it gives free upgrades on the Heathrow Gatwick and Stanstead Express. You have to purchase your standard class tickets before boarding the train using the card but once on the train you can sit in first class simply by presenting the card to the guard. Other advantages are points earned when making purchases at Airport shops. These points can them be redeemed at a later date for discounted airport parking, fast track airport entry and other offers. Statements are sent monthly, and as with other credit cards it is possible to pay either a minimum payment or the balance in full. It is also possible to set up a direct debit facility to pay the minimum payment each month.