First Trust Credit Card Option 1
Compare the First Trust Credit Card Option 1 with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.
 |  Compare First Trust Credit Card Option 1 details directly with other credit cards or compare credit cards using our credit card comparison tables. | ||
| Company: | First Trust Bank (NI) www.firsttrustbank.co.uk | ||
| Product: | Credit Card Option 1 | ||
| Apply via this site: | Not available | ||
| Card Details | |||
 Card Issuer: | The card is issued by First Trust Bank. | ||
| Type: | This card is available as Visa or Mastercard | ||
| Application Criteria | |||
| Min Age (yrs): | Minimum age for applicants is 18 years. | ||
| Min Income (£pa): | There is no minimum income required. | ||
| Introductory Rates | |||
| Intro Bal Tran Rate AER: | There is no introductory rate for balance transfers. | ||
| Max Bal Transfer Fee (£): | There are no fees for balance transfers. | ||
| Intro Purchase Rate AER: | No introductory rate for purchases available. | ||
| Rates | |||
| APR - Purchases: | The typical APR is 18.9% p.a. | ||
| Balance Transfer AER: | The annual rate for balance transfers is 18.9%. | ||
| Balance Transfer Fee (%): | There are no fees for balance transfers. | ||
| Cash Advance AER: | The annual interest rate for cash advances is 18.9%. | ||
| Benefits | |||
| Cash-Back Reward: | If the card is used at least 12 times and the annual spend is at least £5,000, First Trust will credit £25 back to the credit card account and an additional £1 back for every additional £200 spent. Maximum Cashback Loyalty Reward is £250 per annum. | ||
| Standard Cash-Back Reward: | The cash-back reward that will potentially apply to the majority of annual expenditure is 0.50%. | ||
| Air Miles: | There is no travel reward programme available. | ||
| Other Incentives: | Option Card The Option Card is one card with three different options: Option 1, Option 2 and Option 3 that the cardholder can switch between depending on their requirements. Price and Purchase Protection Insurance Premium of £1.00 per month. Price Protection * Covers most retail purchases of personal items bought in the UK; if an item is bought in full with the First Trust Credit Card and then find the same item on sale afterwards at a cheaper price, the insurers will refund the difference. * Minimum claim amount of £20 per item and maximum of £250, subject to an annual claim limit of £2,500 for each cardholder. * The cardholder must discover the cheaper price within 15 days on the internet or 60 days for store purchases. Purchase Protection * Covers most retail purchases, made anywhere in the world, against theft, loss or accidental damage; insurers will repair, replace or reimburse up to the full purchase price of eligible purchase. * Maximum claim limit of £500 for any single item. The maximum claim limit amount for each claim is £15,000 and there is an annual claim limit of £50,000. Excess of £50 on each and every claim. * Up to 90 days cover from the date of purchase. | ||
| Shopping Reward Prog: | No shopping reward program available. | ||
| Fees & Charges | |||
| Annual Fee (£): | There is no annual fee. | ||
| International Charges %: | The rate of exchange includes a conversion fee of 2.75% of the value of the transaction. | ||
| Interest Charged from: | Interest is calculated on a daily basis from the transaction date until the payment is received and then on the reduced balance up to and including the next monthly statement date, when interest will be charged. | ||
| Interest Free Period: | Up to 56 days interest free period. | ||
| Min Payment £: | Within 25 days of the monthly statement the cardholder must repay at least 5% of the amount shown as outstanding or £5 (or the full amount if less than £5) whichever is the greater. | ||
| Compare | |||
| Products: | www.ftbni.co.uk Credit Cards | ||
