5% will be payable on all transactions made in the first 3 months (to a maximum of £100) and applied at the same time as any annual rebate. Minimum £3,000 spend required in 12 months preceeding anniversary date.
An annual rebate on the aggregate amount of all transactions will be payable according to the following rates:
0.5% for aggregate amounts up to £3,500
1% for aggregate amounts from £3,501 to £7,500
1.25% for aggregate amounts in excess of £7,501.
For example if you spend £1,000 each month for one year:
You would earn 5% introductory cashback on the first £2,000 of your spend.
You would then earn 0.5% cashback on the next £1,500 spend.
You would then earn 1% cashback on the next £4,000 spend.
You would earn 1.25% cashback on your final £4,500 of spend in the year.collapse
| Card Details | |||||
| Instant Online Decision | yes | An instant online decision is available to applicants. | |||
| Application Criteria | |||||
| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. | |||
| Minimum Age | 18 years | Minimum age for applicants is 18 years. | |||
| Minimum Income | £30,000 | A minimum household income of £30000 is required | |||
| Introductory Rates | |||||
| Intro Purchase Rate | 0% | 0.0% AER during introductory period. | |||
| Intro Purchase Duration | 6 months | Introductory purchase rate applies for 6 months. | |||
| Standard Rates | |||||
| Typical APR (Variable) | 19.9% | The typical APR is 19.9% p.a. | |||
| Cash Advance Rate | 27.9% | The annual interest rate for cash advances is 27.9%. | |||
| Benefits | |||||
| Cashback & Rewards Credit Card | yes | yes | |||
| Cashback Reward | yes | 5% will be payable on all transactions made in the first 3 months (to a maximum of £100) and applied at the same time as any annual rebate. Minimum...expand | |||
| Rewards | no | no | |||
| Standard Cashback Rate | 0.5% | 5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum...expand | |||
| Maximum Cashback Rate | 5% | 5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum...expand | |||
| Minimum Cashback Rate | 0.5% | The minimum cash-back reward is 0.50%. | |||
| Introductory Cashback Offer | yes | 5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum...expand | |||
| Reward Points | no | No points scheme offered. | |||
| Air Miles | no | There is no travel reward programme available. | |||
| Shopping Rewards | no | No shopping reward program available. | |||
| Choice of Card Design | no choice | No choice of card design is available. | |||
| Payment Protection | yes | Should the cardholder be unable to work because of an accident, illness or redundancy, Repayment Protection will ensure that the card repayments are continued....expand | |||
| Travel Insurance Cover | £150,000 | Pay for public transport with the Credit Card and the cardholder will receive travel accident insurance cover up to £150,000. | |||
| Lost Luggage Cover | no | Lost luggage cover is not available. | |||
| Fees & Charges | |||||
| Annual Fee | £0 | No annual fee is currently charged for the running of the Account. However, a dormancy fee of £20 a year will be charged if no purchases are made...expand | |||
| Interest Free Period | 56 days | Up to 56 days interest free period. | |||
| Minimum Repayment % | 10% | The minimum monthly payment will be 10% of the total amount owing or £50, whichever is more plus, the entire amount of any cash withdrawal shown on the statement. | |||
| Minimum Repayment £ | £50 | The minimum monthly payment will be 10% of the total amount owing or £50, whichever is more plus, the entire amount of any cash withdrawal shown on the statement. | |||
| International Charges | 2.99% | Transactions made in foreign currencies within Europe are charged a 2.99% fee. | |||
| Late Payment Charge | £12 | A charge of £12.00 will be made if the issuer does not receive its minimum required payment from the cardholder by the date on which it is due. | |||
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