MBNA AOL Rewards Credit Card

Welcome to Card Karma the Credit Card that finally gives back every time you spend, you really shall receive something in return. From cash & vouchers to wining and dining rewards, you really do have the greatest choice of rewards you have ever seen and once you have made your first purchase you will receive 1,600 bonus AOL Reward Points.

• Spend and you shall receive - earn 1 AOL reward point for every £1 spent on anything, including day-to-day purchases such as food, petrol & bills.

• Access to specially negotiated discounts, privileges and opportunities to earn bonus Reward Points through MBNA RewardsPlus partners, AVIS, CD WOW!, Habitat, and Macdonald Hotels & Resorts.

• Green Rewards - use your card to help the environment! Redeem points against organic and Fair Trade products including wine and chocolate.

• Take advantage of the VIP Travel Service with great offers through MBNA TravelPlus, including up to 30% off brochure prices on flights, hotels, long haul holidays, cruises, city breaks, car hire and airport parking.

• Enter Exclusive Prize Draws where you can win tickets to an AOL Session or an event at the O2 venue.

• Access to the American Express SelectsSM programme offering you the best global shopping, leisure and dining offers.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 16.9% APR (variable)(1.3133% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	16.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.3133% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on:	cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

BMI Classic MasterCard

Typical rate 15.9% APR (variable).

Apply online for the BMI Classic MasterCard and if you spend £250 on card purchases within 90 days of your account opening we'll give you 20,000 destinations miles*. That's enough for a return flight to Italy, Spain and many other great destinations! Plus, you'll also enjoy:

• 0% p.a. on balance transfers for twelve months from the date your account is opened (3% handling fee)

• 0% p.a. on card purchases for three months from the date your account is opened♠

• Typical rate 15.9% APR (variable).

• Double destinations miles when you use your bmi Classic MasterCard to buy a bmi flight at flybmi.com

• Automatic enrolment into diamond club, bmi's frequent flyer programme.**

• No booking fee when you use your bmi MasterCard to buy bmi flights online at flybmi.com or via the bmi call centre.

• No annual fee to pay.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee: £0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

MBNA Sonycard Credit Card

Sony can offer you a complete world of entertainment through music, movies, games and of course electronics. The SonyCard offers you all these in exchange for Pulsebeats* earned when you spend using your SonyCard.

• 0% p.a. on balance transfers for twelve months from the date your account is opened (3% handling fee).

• 0% p.a. on card purchases for three months from the date your account is opened.

• Typical rate 15.9% APR (variable).

• PLUS – we'll credit your account with 2,000 FREE SonyCard Pulsebeats when you first use your card and a further 5,000 Pulsebeats if you spend £250 on your card within 90 days of account opening. You can redeem your Pulsebeats against a wide range of Sony items including the 2GB Multi Function MP3 Player shown for just 7,000 Pulsebeats.*

• Earn Pulsebeats every time you spend using your SonyCard – click on the Pulsebeats link above for details.

• Claim TRIPLE Pulsebeats – when you buy Sony products using your SonyCard.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates: 1	5.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Platinum Rewards Credit Card

MBNA Platinum Rewards Credit Card

Earn Reward points* when you shop and redeem them against flights, shopping vouchers, cash and much more…
• Great rates and great rewards.

• 0% p.a. on balance transfers for nine months from the date your account is opened (3% handling fee).

• 0% p.a. on card purchases for nine months from the date your account is opened.♠

• Typical rate 15.9% APR (variable).

• Access your account online to view your PIN, check your balance and transactions, set up direct debits, carry out balance transfers and much more.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for nine months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for nine months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on:	cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Classic Credit Card

MBNA Classic Credit Card

Apply for the MBNA Classic MasterCard today and you could save money by transferring the balance from your existing credit cards, store cards and loans. Simply complete the quick and easy online application.

• An outstanding introductory balance transfer rate of just 1.9% p.a. - available for nine months from the date your account is opened. 3% handling fee applies.

• Typical rate 17.9% APR (variable).

• No annual fee to pay.

• There is no liability or excess to pay for theft, loss or fraudulent Internet use - as long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account.

• Online Banking – Access your account to view your PIN, check your balance and transactions, set up direct debits, carry out balance transfers and much more.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 17.9% APR (variable)(1.3852% monthly).
Promotional rate:	1.9% p.a. on balance transfers and credit card cheques for nine months from account opening (0.1610% monthly), provided you operate your account within the terms and conditions.
Other rates:	17.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.3852% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article : MBNA Platinum Credit Card

MBNA Platinum Credit Card

• 0% p.a. on balance transfers until your statement date in December 2008.

• 0% p.a. on card purchases until your statement date in March 2008.

• 0% p.a. on transferring cash into your current account until your statement date in December 2008.

• Typical rate 12.9% APR (variable).

• Online Banking – Access your account to view your PIN, check your balance and transactions, set up direct debits, carry out balance transfers and much more.

SUMMARY BOX This is a summary only. Please refer to the terms and conditions provided for full details.
FEATURES:	SUMMARY:
Typical APR:	Typical rate APR (variable)(1.0199% monthly).
Promotional rate:	Provided you operate your account within the terms and conditions: 0% p.a. on card purchases from account opening up to and including your statement date in March 2008 (0.0000% monthly), and 0% p.a. on balance transfers and credit card cheques from account opening up to and including your statement date in December 2008 (0.0000% monthly).
Other rates:	12.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.0199% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: Natwest Credit Card Protection

Natwest Credit Card Protection

Nothing is more important to us than your security. We promise to do everything in our power to keep you and your money safe - both online and on the high street.

We offer the following additional monitoring and security services at no extra cost:

Identity theft help line

If you suspect you are a victim of identity theft or would like to know how to protect yourself, our advice line can guide you through the best course of action

Fraud warnings

When we suspect a fraudulent transaction on your Credit Card we will call you in person to check everything's okay. You can also sign up for our free text alerts so we send details of any suspicious transactions straight to your mobile phone.

NatWest Secure - Internet Fraud Protection

NatWest Secure enables you to create a password for using your Credit Card with many participating online shops. You will then be prompted to enter random characters from your password when you shop to make sure you are the genuine cardholder.
Internet Fraud Protection guarantees to refund losses caused by online fraud, so shopping online with your NatWest Credit Card is as safe as shopping on the high street
For your further peace of mind, we also offer the following optional insurance:

NatWest Card Protection Plus

Protect all of your credit and debit cards from fraud if your cards are lost or stolen with NatWest Card Protection Plus. Just one phone call from anywhere in the world will cancel all your cards and order replacements. And if you move home, your bank card providers will be notified of your change of address, saving you time and hassle.
For £29 for 1 year and £70 for 3 years, all your locks and keys are also covered should you need these replaced. NatWest Card Protection Plus covers you and up to 4 people in your household, so everyone can take advantage of the policy.
You can select Card Protection Plus when you apply for your card online.

Payment Protection

Independent financial product research company, Defaqto, has rated our Cardholder Payment Protection Insurance product five stars for its features and benefits.
Protect your repayments against involuntary unemployment, accidents and illness, for just 79p for each £100, or part thereof, of the highest balance on your statement that month.
While you can't work, Payment Protection pays up to 10% of your outstanding balance per month, for up to a year, direct to your NatWest Credit Card.
You need to have been in paid employment for at least 16 hours a week for the last six months.
You can select Payment Protection when you apply for your card online.

PrivacyGuard®

Effective protection from identity theft, with regular credit reports and payment history, fraud alerts and up to £10,000 for legal fees and other expenses to help defend your name and reinstate your credit status. Cover costs just £6.99 a month.

Link to previous article: Natwest Platinum Credit Card

Natwest Platinum Credit Card

Enjoy 0% interest on your balance transfers for a whole 13 months with our Platinum Credit Card, you also receive 0% interest on purchases for three months. It only takes a few minutes to complete our online application, so apply now for an instant decision.
To apply you need to be a UK resident, over 25, and earn at least £25,000 a year.

Get great value - typical 13.9% APR (variable)

Your money

• 0% interest on balance transfers for 13 months from account opening. Subject to a transfer fee of 2.5% (minimum £5) during the first three months from account opening1

• 0% interest on purchases for 3 months from account opening

• Enjoy an interest free period on purchases - up to 56 days - if you pay your current and previous month's balance in full and on time

• Make fee-free transfers by phone to any UK bank account (minimum £250)

• Make cash withdrawals of up to £750 per day subject to a 2.5% handling fee with a minimum £2.50

• If you're an Advantage Gold member you can enjoy a 1% APR discount off our standard rate, please visit your local branch for full details

Your account

• Online access, 24 hours a day, 7 days a week through NatWest Online Banking

• Make your payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment

• Share the benefits of your card with a spouse, partner or close friend by adding an additional cardholder for free

Your security

• Protect yourself with our identity theft helpline, internet fraud protection and fraud warning alerts at no extra cost

• Emergency Medical and Legal referral services

Wine Offers

• Enjoy special offers, and the occasional free gift, from the NatWest Wine Club

Link to previous article: Natwest Gold Credit Card

Natwest Gold Credit Card

Enjoy 0% interest on your balance transfers for a whole 13 months with our Gold Credit Card, you also receive 0% interest on purchases for three months. It only takes a few minutes to complete our online application, so apply now for an instant decision.
To apply you need to be a UK resident, over 21, and earn at least £20,000 a year

Get great value - typical 13.9% APR (variable)

Your money

• 0% interest on balance transfers for 13 months from account opening. Subject to a transfer fee of 2.5% (minimum £5) during the first three months from account opening

• 0% interest on purchases for 3 months from account opening

• Enjoy an interest free period on purchases - up to 56 days - if you pay your current and previous month's balance in full and on time

• Make fee-free transfers by phone to any UK bank account (minimum £250)

• Make cash withdrawals of up to £500 per day subject to a 2.5% handling fee with a minimum £2.50

• If you're an Advantage Gold member you can enjoy a 1% APR discount off our standard rate, please visit your local branch for full details

Your account

• Online access, 24 hours a day, 7 days a week through NatWest Online Banking

• Make your payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment

• Share the benefits of your card with a spouse, partner or close friend by adding an additional cardholder for free

Your security

• Protect yourself with our identity theft helpline, internet fraud protection and fraud warning alerts at no extra cost

• Emergency Medical and Legal Referral service

Wine Offers

• Enjoy special offers, and the occasional free gift, from the NatWest Wine Club

Link to previous article: Natwest Classic Credit Card

Natwest Classic Credit Card

Enjoy 0% interest on your balance transfers for a whole 13 months, you also receive 0% interest on purchases for three months with our Classic Credit Card. It only takes a few minutes to complete our online application, so apply now for an instant decision.

To apply you need to be a UK resident, over 18, and earn at least £10,000 a year.

Get great value - typical 13.9% APR (variable)

Your money

• 0% interest on balance transfers for 13 months from account opening. Subject to a transfer fee of 2.5% (minimum £5) during the first three months from account opening

• 0% interest on purchases for 3 months from account opening

• Enjoy an interest free period on purchases - up to 56 days – if you pay your current and previous month's balance in full and on time

• Make fee-free transfers by phone to any UK bank account (minimum £250)

• Make cash withdrawals of up to £300 per day subject to a 2.5% handling fee with a minimum £2.50

• If you're an Advantage Gold member you can enjoy a 1% APR discount off our standard rate, please visit your local branch for full details

Your account

• Online access, 24 hours a day, 7 days a week through NatWest Online Banking

• Make your payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment

• Share the benefits of your card with a spouse, partner or close friend by adding an additional cardholder for free

Your security

• Protect yourself with our identity theft helpline, internet fraud protection and fraud warning alerts at no extra cost

Wine Offers

• Enjoy special offers, and the occasional free gift, from the NatWest Wine Club

Link to previous article: Review of Natwest Student Credit Card

Review of Natwest Student Credit Card

General Online Comments and reviews for Natwest Student Credit Card

1.
I applied for a Natwest credit card, as my student account is with them. I received the first statement and paid it in full. Then just before I received the second statement I received a letter saying the card had to be cut up and returned without any explanation as to why. Pretty confused as to what I had done wrong, I phoned them, only be to told they had changed their criteria and I no longer fitted it. They refused to discuss what the actual problem was. The limit on the credit card was only £350, and I was not up to that limit. I had used it a few times when I was skint, as all students usually are, to buy food and petrol. My advice is, if you are looking for a student credit card that you can use when your student loan has run out and your funds are low, Natwest are really not a good idea.

2.
I am first year student and just applied for a credit card from Natwest with a credit limit is £250. Unfortunately I was over limit on my fifth month by £22. Before I even know it, I got £43 fine. I called the Customer Service to find out what has happened and the answer is ...? £12 over limit for the fifth month £12 for late payment £ 7 for interest rate £12 over limit for the sixth month (even though I was only late for one day ) Now I asked how come the advert said 56 interest free days or 0% interest for 9 months ... what did they answer? Did you read the terms and conditions? It is a joke right? How many pages are they? plus they are small prints. If we read all the terms and conditions every time we buy something or do something then properly it will be forever. So WATCH OUT FOR NATWEST STUDENT CREDIT CARD. they are not what they say.


Advantages: Low income friendly,air miles,online banking,Convenience of High Street bank credit card for payments and cash withdrawals. Decent online facility,Excellent on-line service, good for students, air miles scheme, helpful telephone service, sensible credit limits

Disadvantages: poor payment options,Poor loyalty scheme value, extortionate charges,High APR, high admin charges, trouble using it on certain websites

Previous related Articles:
Great Discounts on Natwest Student Credit Cards
Natwest Student Credit Card

Great Discounts on Natwest Student Credit Cards

NatWest has teamed up with MasterCard® to bring you great discounts on CDs, sports gear, travel guides, gadgets and short breaks. Full details of how to take advantage of these offers will be sent to you with your Welcome Pack.

Spend £10 or more and save 25% on Lonely Planet guides

There's no bigger name in student travel, and no better guide to have at your side. From the latest SoHo fashion boutiques in NYC, to the best value accommodation in Marrakech and the most spectacular mountain passes in Nepal, Lonely Planet gets it right every time. And now you can get 25% discount on Lonely Planet titles every time you spend £10 or more. So where will you head first?

10% off UK short breaks with Superbreak

Superbreak is the UK's No.1 short break operator, providing accommodation at over 1,600 hotels across the country. Whether you're heading for the bright lights of the city or a rugged coastal adventure, Superbreak offers everything from 2-star economy to 5-star luxury.

£5 off gadgets, games and quirky gifts from Firebox

For the latest, must-have gadgets games and gizmos check out Firebox. Always first with the coolest stuff and the next big thing, Firebox is bursting with great ideas.

Save 15% at Kitbag.com

Kitbag is one of Europe's largest online sports retailers. Take your pick from big names like Adidas, Nike, Puma, Reebok, Umbro and more. You'll be spoilt for choice with everything from football shirts and boots to training gear and leisurewear.

Get 20% off in O'Neill stores

Not only does O'Neill keep you warm in the ocean and on the slopes, today O'Neill stocks a huge range of streetwear, footwear and accessories for the street. You get to save 20% on all clothing and footwear in participating stores.

Link to previous article: Natwest Student Credit Card

Natwest Student Credit Card

Natwest knows it's not always easy managing your money, so we have designed a Credit Card that is flexible enough to help you make the most of it.

Good because you get great value - typical

18.9% APR (variable),

plus you receive

Great discounts

(Click here to view details of Available discounts)

-Up to 56 days' interest free credit on purchases*

-Maximum £500 credit limit

-Straightforward repayments by Direct Debit

-Transfer money by phone

-Daily cash advance of up to £300**

-No annual fee

-Worldwide acceptance

-Special offers, and the occasional free gift, from the NatWest Wine Club***

-Don't forget you need a NatWest Student Current Account to apply for our Student Credit Card. Please ask in branch for more details.

Please note that balance transfers are not permitted on Student Credit Card Accounts.

Link to previous article: Barclaycard Graduate Credit Card

Barclaycard Graduate Credit Card

If you're graduating from university, this card is designed to help you go places.

Suits you if you:

• Are graduating from college

• Are 21 or over

• Have a permanent UK address for 3 months or more

• Have a regular income of more than £10,000 pa

• Don't already have a Barclaycard or are upgrading from a Student Barclaycard

• Haven't missed multiple payments on a credit agreement within the last 12 months

• Don't have a CCJ,IVA or have not been registered bankrupt

0%

on balance transfers for 9 months (2.5% handling fee applies)
Receive a return flight to any of 12 European destinations when your application is accepted*. It's a special offer for your graduation to help you see a bit of the world before you make your mark on it. (*Terms and conditions apply. Limited offer, taxes not included)
Credit limit up to £4000

19.9% APR typical (variable)

People choose Barclaycard because all customers enjoy:
• No annual fee

• Identity Protection Service – advice about protecting yourself from identity theft

• Safer shopping with Fraud Protection – including chip and PIN, and watching for unusual spending on your account

• Purchase Delivery Protection – protecting your online, phone or mail orders against loss or damage, from despatch to door (excludes second-hand goods and services)

• Emergency help when travelling abroad

• Great holiday deals with our Travel Service

• Convenient online account management

• Emergency cash advance and credit card replacement service

• Text alerts five days before payment is due (opt in required)

• 24 hour helpline

* Terms and conditions apply to all benefits

Important details

Barclaycard reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets. If you have any particular requirements concerning communications with Barclaycard or use of your credit card arising from a disability please contact us on 0845 7660 758 before completing the application.

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Barclaycard Student Credit Card

Suits you if you:

• Are entering full-time education

• Are 18 or over

• Have a permanent UK address

• Don't already have a Barclaycard

• Haven't missed multiple payments on a credit agreement within the last 12 months

• Don't have a CCJ, IVA or have not been registered bankrupt

• A low APR of 14.9% APR typical variable

• No over limit fees

• Great deals on student essentials from Argos

• Freeloader vouchers e.g. 2 for 1 curries or leisure vouchers

• Retailer discounts

14.9% APR typical variable

A credit card designed for student life
Now you’re a student, managing your money has never been so important. Our Student Card helps you do just that and it’s packed with benefits that will make your cash go further and keep you in control.

Stay on top of your finances

• Manageable credit limit

• Minimum monthly repayment of 5% of your balance or £5 (whichever is greater)

• Free text reminders of payment due or set up a direct debit

• Itemised monthly statement

• Convenient online account management

Make your money work

• Use your card worldwide wherever you see the Mastercard sign
• Buy online, by phone and by mail order
• Cash withdrawal from over 800,000 cash machines worldwide
• Enjoy exclusive offers and discounts from leading brands like Argos and Ticketmaster

Be protected at all times

• Fraud protection - including Chip & PIN – protects against unauthorised spending on your account

• Identity protection service provides confidential advice if you become a victim of identity theft

• Purchase delivery protection protects your online, phone or mail orders against loss or damage from despatch to door (excludes second hand goods)

• Worldwide assistance - including legal assistance, help with getting home fast and interpretation services - are only a phone call away when you’re abroad

• Emergency card replacement and emergency cash advance

• 24 hour telephone hotline

• Optional card protection available

As a responsible lender, we’ll do everything we can to help you stay in control. We have tried to make our service to you as open and transparent as possible. All we ask in return is that you take a sensible approach to using your card.

Important information
Cash advances are charged at a rate of 14.9% p.a. and the handling fee is 2.5% (minimum £2.50). If you withdraw cash or use your card while abroad, a foreign transaction fee of 2.75% applies – see Summary Box for full card details.
Barclaycard reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets. If you have any particular requirements concerning communications with Barclaycard or use of your credit card arising from a disability, please contact us on 0845 7660 758 before completing your application.

Link to Previous article : Barclaycard Football Credit Card