Marks & Spencer is tomorrow launching a membership club for customers with an M&S Money credit card.
The Premium Club offers 3 per cent cash back on shopping, worldwide travel insurance, and free hot drinks in its café.
The Marks & Spencer Premium Club costs £10 a month for all Money card holders. Members get triple loyalty points when they spend in store. This compares with the normal one point shoppers accrue for every pound spent in store.
Members will also be sent gifts on their birthday and at Christmas.