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The Payment Ring - the first contactless device of its kind - offers instant payment at 40 million stores worldwide, including on board British Airways flights and the London Underground. Better yet? It never needs charging and doesn’t need to be paired up to any other device, meaning no smartphones necessary.

This month, The Club has one scratch-resistant Payment Ring, worth £89, in either black or white, so you can ditch your wallet and start spending instantly. To enter, and for terms and conditions, see below. The winners will be selected at random. Prize draw closes at 23:59 28 November 2018.

Win a contactless Payment Ring, worth £89

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PassengersExplanation of 'young adults'