Gold card - overview
Gold MasterCard
- 0% p.a (fixed) for 12 months on balance transfers from account opening.
- 0% (fixed) interest for 6 months on purchases from account opening.
- 16.9% (variable) thereafter
- 2.9% Balance transfer free - minimum £3
- Available to over 18s earning at least £20,000 per year
Representative Example:
| Representative APR: | Standard purchase rate: | Assumed credit limit: |
| 16.9% APR (variable) | 16.9% p.a. (variable) | £1,200 |
The actual credit limit assigned to your account will vary depending on our credit assessment of you.
You'll need to be aged 18 or over to apply for the Classic Credit Card.
Interest-free credit - Up to 56 days interest-free credit on purchases if you pay the balance in full and on time and have paid the previous month's balance in full and on time.
Free purchase protection - guard your purchases against theft, loss or accidental damage for 100 days from the date of purchase if you pay with your Gold card. Purchases must be worth more than £50 and not covered by any other insurance and it is your responsibility to make sure that the policies are right for you.
See our Purchase Protection brochure for more information
Free extended warranty - by purchasing your appliance with your Gold card an extra year's manufacturer's cover is provided at no extra cost. It also includes breakdown as a result of accidental damage from the date of registration. Register up to six appliances per year. Information on registration will be sent to you with your card.
It is your responsibility to make sure that the policies are right for you.
See our Extended Warranty brochure for more information
Flexible credit limits - minimum credit limit of £3,000. After 6 months you can ask us to review your credit limit, which is subject to approval.
Interest free credit - applies if you pay the balance in full and on time (within 25 days of your statement being issued) and have paid the previous months balance in full and on time. There is no interest free period on cash advances or balance transfers.
Manage your credit card your way - check your balance whenever suits you through our Anytime Internet and Telephone Banking or with our mobile banking apps.
Pay by Direct Debit - rather than worry about late payments, you can settle the balance in full or make the minimum payment by setting up a Direct Debit.
Add a card holder - you can add your spouse, partner or close friend to your credit card so they can enjoy the benefits.
Card Protection Plus (CPP) - Please note that Card Protection Plus (CPP) has been withdrawn from sale with effect from 9th January 2012. Any customer who has an existing CPP policy is not affected by this.
Existing customers please refer to Card Protection Plus summary terms and conditions (PDF) for details.
