Bank of Scotland All in One Card MasterCard

If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. The Bank of Scotland All in One Credit Card offers a fantastic 0% for 9 months on purchases and on balances transferred within the first 90 days (3% balance transfer fee applies). A typical rate of 15.9% APR (variable).

Bank of Scotland All in One Card MasterCard Details

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Provided By Bank of Scotland

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for the Bank of Scotland All in One Card MasterCard

You will be transfered to the official Bank of Scotland website, www.bankofscotlandhalifax.co.uk.

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Bank of Scotland All in One Card MasterCard Features & Benefits

(currently displaying summary information only)

Feature / Benefit	Summary	Details
Card Details:
Type of Card	Mastercard	This item is only available as a Mastercard
Instant Online Decision	yes	An instant online decision is available to applicants.
Application Criteria:
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£0	No minimum income is required.
Introductory Rates:
Intro Balance Transfer Rate	0%	The introductory rate for balance transfers is 0.0%.
Intro Balance Transfer Duration	9 months	9 months
Intro Balance Transfer Fee	3%	Balance transfer fee of 3% (minimum £3, no stated maximum).
Minimum Intro Balance Transfer Fee	£3	Balance transfer fee of 3% (minimum £3, no stated maximum).
Intro Balance Transfer Window	90 days	Balance transfers made within 90 days will receive the introductory offer associated with this card.
Intro Balance Transfer Offer Begins	when account opened	The introductory balance transfer offer duration begins when account opened.
Intro Purchase Rate	0%	The introductory rates for purchases is 0.0%.
Intro Purchase Duration	9 months	9 months
Intro Balance Transfer Availability	during fixed term	The introductory balance transfer offer can be taken during fixed term.
Standard Rates:
Typical APR	15.9%	The typical APR is 15.9% p.a.
Cash Advance Rate	27.9%	The annual interest rate for cash advances is 27.9%.
Benefits:
Cashback & Rewards Credit Card	no	no
Cashback Reward	no	A cashback reward scheme is not available.
Reward Points	no	No points scheme available.
Air Miles	no	There is no travel reward programme available.
Shopping Rewards	no	No shopping reward program available.
Payment Protection	yes	Credit Card Repayments Cover Credit Card Repayments Cover protects the cardholder's payments if they are unable to work for 15 consecutive days due to...expand Credit Card Repayments Cover Credit Card Repayments Cover protects the cardholder's payments if they are unable to work for 15 consecutive days due to an accident or sickness or after the first 90 days of cover they become unemployed through no fault of their own, for at least 30 days. The insured could be paid benefits at the rate of 10% of the insured balance (or £10 whichever is the greater) at the start of the accident, sickness or unemployment up to £2,500 each month. This is until the insured balance is repaid, or 12 monthly benefit payments have been made, or the insured are able to return to work, whichever occurs first. In the event of the insured's death, or they are diagnosed with an insured critical illness, Credit Card Repayments Cover will ensure the insured balance on the account is repaid in full. The insured balance is usually the amount outstanding on the card account, at the date of the death, diagnosis of critical illness, commencement of the disability or notification of the unemployment, up to £25,000. To be eligible for cover, the applicant must be a UK resident, be the principal cardholder, be 18 or over but under 65, and be in employment paying Class 1 National Insurance Contributions. Credit Card Repayments Cover is underwritten by Halifax Insurance Ireland Limited and Halifax Assurance Ireland Limited.collapse
Travel Insurance Cover	£0	Travel Insurance is not available.
Lost Luggage Cover	no	Lost luggage cover is not available.
Fees & Charges:
Annual Fee	£0	There is no annual fee.
Interest Free Period	59 days	Up to 59 days interest free period.
International Charges	2.95%	Transactions made in foreign currencies within Europe are charged a 2.95% fee.
Minimum Repayment %	1%	The cardholder must make a minimum payment of the greater of 1% of the amount owed or an amount equal to the total of any Credit Card Repayments Cover...expand The cardholder must make a minimum payment of the greater of 1% of the amount owed or an amount equal to the total of any Credit Card Repayments Cover premiums, interest (or the minimum interest charge), overlimit and late payment fees plus £5.collapse
Minimum Repayment £	£5	The cardholder must make a minimum payment of the greater of 1% of the amount owed or an amount equal to the total of any Credit Card Repayments Cover...expand The cardholder must make a minimum payment of the greater of 1% of the amount owed or an amount equal to the total of any Credit Card Repayments Cover premiums, interest (or the minimum interest charge), overlimit and late payment fees plus £5.collapse
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.
Apply for this credit card:

Feature / Benefit	Details	Rating out of 5
Application Criteria:
Existing Customers Only	no	no
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£0	No minimum income is required.
Credit Rating	good	Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.
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