Classic MasterCard - All the benefits
Enjoy 3.9% p.a (fixed) interest for 12 months on your balance transfers and pay 0% p.a (fixed) on purchases for 3 months, from account opening. Thereafter the standard annual rate for balance transfers and purchases will be 18.9% p.a (variable).
All the benefits
Who can apply?
You could apply for our Classic MasterCard online today and take advantage of our great 3.9% p.a (fixed) balance transfer offer.
You must be aged over 18 to apply.
Financial benefits
Purchases and balance transfers
- You'll pay 3.9% p.a (fixed) interest on your balance transfers for 12 months from account opening. Thereafter the standard annual rate for balance transfers will be 18.9% p.a (variable).
- And for 3 months from account opening you could also pay 0% p.a (fixed) on your purchases. Thereafter the standard annual rate for purchases will be 18.9% p.a (variable).
- There's just a 2.9% fee when you transfer a balance, with a minimum of £3.
Representative Example:
| Representative APR: | Standard purchase rate: | Assumed credit limit: |
| 18.9% APR (variable) | 18.9% p.a. (variable) | £1,200 |
The actual credit limit assigned to your account will vary depending on our credit assessment of you.
- Transfer up to a limit of 95% of your credit limit
Balance transfers are limited to 95% of the credit limit so, if your new Classic MasterCard has a limit of £2000, you could switch up to £1900. - 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.
If you apply by phone please be aware that a different offer could be available.
Read the rates and fees for more information
Manage your credit card
Control your credit card online
Check your balance whenever it suits via Anytime Banking - and pay your balance from almost any computer - PC or Apple Mac.
Pay by Direct Debit
Why worry about late payments? You can settle the balance in full or make the minimum payment.
Flexible credit limits
Need a little bit of breathing space for your finances? After six months you can ask us to review your credit limit.
Share the benefits
Add a cardholder for free
Would your spouse, partner or a close friend enjoy the benefits of your credit card?
Optional Protection
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Please note that Card Protection Plus (CPP) has been withdrawn from sale with effect from 9th January 2012.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.
