What it does
Plutus combines a payment card with a plan-based rewards system. The current product emphasises PLUS rewards and selected merchant perks, while older material still refers to PLU. These should not be treated as interchangeable cash balances.
A subscription determines the amount of spending eligible for rewards, so the headline percentage alone is a poor comparison. The July 2026 notice changed subscription prices from 14 September. Use the current plan, redemption terms and exclusion list together when estimating the value of rewards.
Where it stands out
- Published subscription and reward caps
- Selectable merchant perks
- Virtual card management
What you can do
- 01Card spending
- 02PLUS rewards
- 03Subscription tiers
- 04Merchant perks
Who’s behind it
Plutus is the trading name used by Block Code Ltd and Block Code LT UAB in the official disclosures; payment partners have separate agreements.
Fees & availability
Fees and costs
Subscription, FX, ATM and reward-redemption costs can apply. The July 2026 notice supersedes old plan pricing.
Eligibility and availability
Eligible spend is capped by plan; many financial and stored-value transactions are excluded. PLUS rewards are not automatically equivalent to cash or PLU.