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Summary box for Purchase & Balance Transfer card

The information contained on this page summarises key product features and is not intended to replace any terms and conditions.

Representative example

Representative 24.9% APR (variable) based on an assumed credit limit of £1,200.

Standard interest rate for purchases: 24.9% p.a. (variable).

£0 annual fee.

The actual credit limit will depend on our credit assessment of you. The actual APR you’ll receive will depend on your circumstances.

Information Message

Our Pricing Policy

Summary box

The information contained in these tables summarise key product features and is not intended to replace any terms and conditions.

APR

Interest rates

Transaction type

Introductory rate

Monthly rate

Annual rate (Simple)

Annual rate (Effective)

Purchases

0% interest for 12 to 20 months from account opening, then standard rates apply. 

From 1.870% to 2.203%

From 22.5% to 26.5%

From 24.9% to 29.9%

Money advances

N/A

From 2.005% to 2.203%

From 24.1% to 26.5%

From 26.9% to 29.9%

Balance Transfers

0% interest for 12 to 18 months from account opening, then standard rates apply. 

From 1.870% to 2.203%

From 22.5% to 26.5%

From 24.9% to 29.9%

Money Transfers

N/A

From 2.005% to 2.203%

From 24.1% to 26.5%

From 26.9% to 29.9%

Interest-free period

Interest charging information

Allocation of Payments

Minimum repayment

Information Message

Credit limit

Minimum

£350

Maximum

Subject to status

Fees

Annual fee

£0

Instalment plan fee

If you take out an instalment plan, you will also pay an instalment plan fee; see General Conditions 3 for further details. 

Charges

Balance transfer fee on the Purchase & Balance Transfer card

If you make a balance transfer during the introductory special offer period, the fee charged is ​2.99% of the transferred amount. Other balance transfer offers will have different fees. We’ll explain if a fee is payable and how much it will be when we tell you about the special offer.

Money Advance Fee (e.g. cash withdrawals)

3%

Foreign usage

Payment Scheme Exchange Rate

Rates can be found at Mastercard

One or more of the following may apply:

Non-sterling transaction fee

2.75% of transaction.

Money advance fee (e.g. cash withdrawals)

3%

Default charges

If your payment is late 

£0

If you exceed your credit limit 

£0