Rates and fees

Gold 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 16.9% APR (variable)
Other Interest Rates Introductory Rate Monthly Rate Annual 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, money transfers or balance transfers.
Interest Charging Information The periods over which interest is charged are as follows:
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

We will apply payments we receive to your account in the following order:

  1. Interest on special offers
  2. Other interest, any fee and charges
  3. Special offers
  4. Purchases and balance transfers
  5. 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:
(i) 2.25% of the new balance shown on your statement, rounded down to the nearest pound or £5, whichever is more; or (ii) the amount you owe over your credit limit less any overdue amounts from previous statements. 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.