
0% p.a. on balance transfers for 12 months* (2% handling fee applies) and
0% p.a. on card purchases for 3 months from the date your account is opened.
Typical rate 15.9% APR (variable).
GOT A BALANCE TO TRANSFER?
- Have the details handy if you want to transfer asap
- Or you can apply online now and sort your balance transfer later

- It only takes 10 mins to apply online. You need to be aged 18 or over, and a UK resident.
- Now for the exciting bit - choose which colour card you'd like.
Small Print
SUMMARY BOX This at-a-glance guide is only a summary, please see the terms and conditions for full details. | |
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FEATURES: | SUMMARY: |
Typical APR (Annual Percentage Rate) | Typical rate 15.9% APR (variable) - that's 1.2408% a month. |
Promotional rate | Provided you operate your account within the terms and conditions: 0% p.a. - that's 0.0000% a month on card purchases for three months from account opening, and 0% p.a. - that's 0.0000% a month on balance transfers and credit card cheques for twelve months from account opening. |
Other rates | 15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques - that's 1.2408% a month. 24.9% p.a. (variable) on cash transactions (including money transfers) - that's 1.8735% a month. |
Interest free period | Up to 56 days on card purchases as long as you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below. |
Interest charging information | Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay. |
How your balance is paid off | Items at lower rates of interest on your statement will be paid before items at higher rates of interest. |
Monthly minimum payment | The lesser of:
|
Credit limit | We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000. |
Annual fee | £0 |
Other charges | 2% handling fee (min. £3) for credit card cheques and balance transfers. 3% handling fee (min. £3) for cash transactions(including money transfers). 2.75% commission on foreign currency transactions. |
Default charges | £12 for going over your credit limit, paying late, or payments that bounce. |