The information contained on this page summarises key product features and is not intended to replace any terms and conditions.
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Our Pricing Policy
We use your application details and information obtained from credit reference agencies to decide the APRs we offer to individual customers and the agencies will record our enquiries which may be seen by other companies who make their own credit enquiries.
We do not offer a facility to calculate your APR before you apply. At least 51% of customers offered a credit card will receive our representative 12.9% APR (variable) and standard effective purchase rate of 12.9% p.a. (variable) and balance transfer rate of 12.9% p.a. (variable).
The standard effective cash advance and money transfer rate for these customers will be 26.9% p.a. (variable).
For other customers, the effective rate for purchases will be 18.9% p.a. (variable), the effective rate for balance transfers will be 18.9% p.a. (variable) and the effective rate for cash advances and money transfers will be 29.9% p.a. (variable).
APR
Interest rates
Transaction type
Monthly rate
Annual rate (Simple)
Annual rate (Effective)
Purchases
From 1.016% to 1.456%
From 12.2% to 17.5%
From 12.9% to 18.9%
Cash advances
From 2.005% to 2.203%
From 24.1% to 26.5%
From 26.9% to 29.9%
Balance Transfers
From 1.016% to 1.456%
From 12.2% to 17.5%
From 12.9% to 18.9%
Money Transfers
From 2.005% to 2.203%
From 24.1% to 26.5%
From 26.9% to 29.9%
Interest free period
Interest charging information
Allocation of Payments
Minimum repayment
Information Message
We encourage you to pay more than the minimum amount each month, to clear your balance more quickly and pay less interest. If you're finding it difficult to make payments please tell us so that we can try to help.