Rates and charges

Information within this page:

Rates and charges for

Classic, Gold, Platinum and Savings Accelerator Credit Cards
Student Credit Card
Private Banking Credit Card

Classic, Gold, Platinum and Savings Accelerator Credit Cards

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 16.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Other Interest Rates	Introductory Rate	Monthly Rate	Simple	Effective
Purchases	4.9% for 9 months from account opening	1.313%	15.756% p.a.	16.945% p.a.
Balance Transfers	n/a	1.313%	15.756% p.a.	16.945% p.a.
Cash Advances	n/a	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	n/a	1.313%	15.756% p.a.	16.945% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time No interest-free period on cash advances or money transfers

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	Transaction date	Repaid in full
Balance transfers	Transaction date	Repaid in full
Cash advances	Transaction date	Repaid in full
Money transfers	Date debited to your account	Repaid in full

Allocation of Payments	Interest on special offers Other interest, any fee and charges Special offers Purchases and Balance Transfers Cash Advances and Money Transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5. We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £300, maximum £20,000. Subject to status
Fees	No Annual Fee
Charges	Cash advances (except gambling transactions): 3%, minimum £3 Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.75% Copies of statements: £3 Returned payment: £10 Returned promotional cheque: £12
Default charges	Over limit: £12 Late payment: £12

Student Credit Card

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 18.9% APR (variable)

Other Interest Rates	Monthly Rate	Annual Rate
Other Interest Rates	Monthly Rate	Simple	Effective
Purchases	1.456%	17.427% p.a.	18.941% p.a.
Cash Advances	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	1.456%	17.472% p.a.	18.941% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time No interest-free period on cash advances or money transfers

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	Transaction date	Repaid in full
Cash advances	Transaction date	Repaid in full
Money transfers	Date debited to your account	Repaid in full

Allocation of Payments	Interest on special offers Other interest, any fee and charges Special offers Purchases Cash Advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5. We do not recommend that you only ever make your minimum payment.
Amount of credit	Maximum £500. Subject to status.
Fees	No annual fee
Charges	Cash advances (except gambling transactions): 3%, minimum of £3 Transactions in foreign currencies (including purchase of foreign currency and travellers' cheques): 2.75% Copies of statements: £3 Returned Payment: £10
Default charges	Over limit: £12 Late payment: £12

Private Banking Credit Card

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 14.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Other Interest Rates	Introductory Rate	Monthly Rate	Simple	Effective
Purchases	4.9% for 9 months from account opening	1.167%	14.004% p.a.	14.939% p.a.
Balance Transfers	n/a	1.167%	14.004% p.a.	14.939% p.a.
Cash Advances	n/a	1.873%	22.476% p.a.	24.942% p.a.
Money Transfers	n/a	1.167%	14.004% p.a.	14.939% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time No interest-free period on cash advances or money transfers

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	Transaction date	Repaid in full
Balance transfers	Transaction date	Repaid in full
Cash advances	Transaction date	Repaid in full
Money transfers	Date debited to your account	Repaid in full

Allocation of Payments	Interest on special offers Other interest, any fee and charges Special offers Purchases and Balance Transfers Cash Advances and Money Transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5. We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £5,000. Subject to status
Fees	No Annual Fee
Charges	Cash advances (except gambling transactions): 3%, minimum £3 Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.75% Copies of statements: £3 Returned Payment: £10 Returned Promotional Cheque: £12
Default charges	Over limit: £12 Late payment: £12