Our household has received a great deal of value from the Air MIles programme over the past ten years. We are 100% Dream collectors and have used the programme to fly to places as far afield as Korea, Hong Kong, India, Georgia (Tbilisi), and even Ireland.

What's disappointing, though, is that flight availability seems to have been cut back significantly since the BMO takeover. Two years ago we booked a round trip to London with Air Miles and then made a separate booking, also with Air Miles, for a side trip to Switzerland. We were able to book tickets between Heathrow and Zurich on British Airways.

Now it seems that intra-European flights can no longer be booked through Air Miles, even though the programme has a wide array of European airline partners, including BA. Iberia, Air France, KLM, Lufthansa and others. We were trying to book a side trip to Greece on an upcoming European trip and the programme seemingly no longer allows this.