Lloyds TSB Platinum Card

Lloyds TSB is one of the biggest banks in the UK market and their platinum credit card is a very good product from one of the more traditionally higher rate large banks.

The Lloyds Platinum credit card offers 0% for 9 months on balance transfers so is an ideal card to get to make use of introductory rates. The standard rate of 15.9% APR (typical) is also very competitive.

Details Lloyds TSB Platinum Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	9 Months
Introductory Purchases	n/a
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.24%
Cash Advance APR	19.505%
Cash Advance Fee	2.5% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	up to £100,000
Free Purchase Protection	180 days up to £2.5k
Foreign Usage Fee	2.75%

Other Lloyds TSB Platinum Card Features and Benefits

• 0% balance transfers
• internet fraud guarantee

• apply online • free purchase protection • free travel accident insurance Lloyds TSB Platinum Card Review Summary The Platinum credit card from Lloyds TSB, as per the UK credit card market conditions, is a competitive product. Though the rates are very competitive, with 0% being offered on balance transfers and purchases - the standard rate is also very competitive.

Link to previous articles: Cahoot Credit Card Halifax Credit Card Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card

Cahoot Credit Card

Cahoot has attempted to put in some fresh ideas into banking. Cahoot is a part of the Abbey National group. However, they are an Internet only bank with no high street presence. Their innovative approach and low costs mean they can offer exceptionally low rates across all their products.

The Cahoot credit card really has one of the lowest standard rates available in the UK. It doesn't offer any special introductory rates or offers only on balance transfers or purchases, they simply offer just 12% typical APR on purchases and balance transfers whenever you use it. When compared to some of the other credit cards on the market that offer up to 18% APR you could make a huge saving. cashback offers are also made on selected purchases. A choice of card design, online applications & account management and free purchase protection mean this card is a very exciting proposition.

You can also win up to £1000 off your balance in a free prize draw if you apply now.

Details of Cahoot Credit Card

Introductory Balance Transfers	N/A
Monthly Rate	N/A
Period	N/A
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	12%
Monthly Rate	0.9519%
Cash Advance APR	13.7%
Cash Advance Fee	1.5% (Min £2.50)
Minimum Payment Required	3% (Min £10)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	No
Free Purchase Protection	90 Days, £50 - £3,500
Foreign Usage Fee	2.75%

Other benefits and features of Cahoot Credit Card

• Virtual online payment system - never use your real card number again
• Choice of card designs
• Free Purchase Protection
• Winner best credit card "standard rate" (moneyfacts)
• Online Applications

Cahoot Credit Card Review Summary The Cahoot credit card is a real fantastic credit card with the lowest of the lows APR in the UK market. If you have a balance to transfer you may be better off with a 0% option, but for a general every day card, Cahoot stands as a clear winner and cannot be beaten because of its extraordinary good value. The online account management functionality means you manage you account from anywhere 24hrs a day. One of the best credit cards available in the UK – definitely every UK resident should have one Cahoot Credit Card!

Link to previous articles: Halifax Credit Card Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card

RSPCA Credit Card

The RSPCA credit card is issued by the Beneficial bank in alliance with the RSPCA. As the UK's most famous animal charity the RSPCA credit card allows you to have all the benefits of a very competitive credit card and the great sense of satisfaction that whenever you use this card and it benefits the RSPCA.

The card features are very attractive for a card of this type - 0% on balance transfers fixed for 5 months from account opening so you can take advantage of a great balance transfer rate if you have an existing credit card by switching to the RSPCA credit card. The standard rate of APR 14.9% is also highly competitive.

The real difference with this card is that it helps the RSPCA carry on their charity work. Just for subscribing to this card the RSPCA receives £15 from the card issuer Beneficial, and every time you spend on the card the RSPCA receives 25p out of every £100. And if you continue to use the card the RSPCA receives a further £1 on each anniversary of the card issue. This is a great way to help a great cause simply by using what most of do everyday - a credit card. The application form is a very simple and you even get a decision on your application in 60 seconds. What better credit card than one which offers great rates and allows you to help sick and injured animals through the RSPCA.

Details of the RSPCA credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	5 Months
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	14.9%
Monthly Rate	1.167%
Cash Advance APR	18.9%
Cash Advance Fee	1.75% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	25p out of every £100 goes to the RSPCA
Travel Accident Insurance	£150,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other RSPCA Credit Card Features and Benefits

• £15 donated direct to the RSPCA just for taking out the card
• 25p for every £100 you spend goes to the RSPCA
• £1 for every year you hold the account goes to the RSPCA
• 24hr Customer Service Line
• Full online account management
• Decision in 60 seconds when you apply online

RSPCA Credit Card Review Summary The RSPCA credit card has a very attractive interest rate and great account features. But what really sets this card apart is the ability to donate to the RSPCA just by doing something we all do every day - use a credit card. The initial £15 payment to the RSPCA by Beneficial bank will allow the RSPCA to help sick and injured animals and the more you use the card the more the RSPCA will benefit. There are cards on the market with longer introductory rates and lower standard rates, but with this card you know that one of the most reputable and popular charities in the UK will benefit.

Link to previous articles: Mint Credit Card Vanquis Credit Card Capital One Credit Card GM Platinum Credit Card Egg Credit Card British Airways Credit Card

AA Credit Card

The AA Credit Card is offered by the reputed AA, the UK's biggest roadside recovery company. Beyond their recovery business, in recent years AA have expanded into finance and offer insurance, loans and now they have come out with a credit card.
The AA Card offers 0% on balance transfers for first 9 months and a standard APR of 15.9% (typical). One also earns reward points on every transaction you do on AA credit card which can be used for cash-back or discounts on a host of AA products. Used wisely it could save you a lot of money on your home insurance, car insurance or Roadside recovery membership. Another benefits is that as a bonus you receive 1,000 points when you activate your card. You earn 1 point for every pound you spend on the card and you can save up to £50 on home or car insurance. Or convert your points into cashback at a rate of 0.5%.

Details of AA Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	9 Months
Introductory Purchases	n/a%
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.24%
Cash Advance APR	22.9%
Cash Advance Fee	2.5% (Min £3.00)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	AA Discounts or cashback
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other AA Credit Card Features and Benefits

• Earn points for discounts on AA products using the AA credit card
• Cashback on every transaction done through AA credit card
• 24hr Customer Service Helpline
• Full online account management – internet account
• 1,000 points free when you activate the card worth £10 off AA products

AA Credit Card Final Review Summary

The credit card from AA offers one of the best introductory interest rates available on balance transfers. The AA Credit Card has a good initial balance transfer offer of 0% for 9 months and a competitive standard APR of 15.9%. Combined with the chance to earn good discounts on your home and car insurance or cashback, this card offers a great deal. Use it wisely and it will save you dozens of pounds, provided you are interested in AA products.

Link to previous articles: HSBC Credit Card
Virgin Credit Card
American Express Gold Credit Card
American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard

HSBC Credit Card

HSBC - the institute with the tagline of being “The world’s local bank” are one of the largest and most reputed financial institutions in the world and HSBC have offered a credit card offer worthy of such a reputation.
Traditionally the major UK banks have a bit shaggy than average credit card offerings but the HSBC card is different
The HSBC credit card offers 0% for 12 months on balance transfers - so is an excellent card to get to make use of introductory balance transfer rates. You also get 0% on purchases for 3 months from account opening - ideal for that urgent purchase you need to make. The standard rate of 15.9% APR (variable) is also very competitive as per the UK market standards.

Details of HSBC Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	3 months
Standard APR	15.9%
Monthly Rate	1.24%
Cash Advance APR	21.9 %
Cash Advance Fee	2.5% (Min £2.50)
Minimum Payment Required	3% (Min £5)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	none
Free Purchase Protection	none
Foreign Usage Fee	2.75%

Other HSBC Credit Card Features and Benefits

• 0% balance transfers for 12 months
• Spending Security measures
• apply online for the HSBC Credit Card
• Up to 56 days interest free credit
• free travel additional cards

HSBC Credit Card Final Review Summary

The credit card from HSBC offers one of the best introductory interest rates available on balance transfers. The fact you also get 0% on purchases and a decent standard rate make this a great product. The standard rate is also comparable to other cards. Combined with the discounts and benefits on offer this is a sure winner among the cards available in UK markets.

Link to previous articles:
Virgin Credit Card
American Express Gold Credit Card
American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card

Virgin Credit Card

The Virgin credit card is offered to you by the business stalwart Sir Richard Branson of the Virgin business empire. After revolutionising the airline, music, mobile and car industries he has now developed a company called Virgin money to bring out the Virgin brand values of quality and value to the credit card industry.
The Virgin Credit Card offers a 0% balance transfer rate fixed for 13 months and 0% on purchases for 3 months. The standard rate of 15.9% APR is also very competitive as per the UK market standards. There is however a handling charge of 2.98% on all balance transfers.
You also get 10% discount on all DVD's, CD's and games from Virgin Megastore online when you use your card to pay for online purchases exclusively at Virgin store websites.

Below are details, charges and benefits of Virgin Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	13 Months
Introductory Purchases	0%%
Monthly Rate	0%
Period	3 months
Standard APR	15.9%
Monthly Rate	1.2408%
Cash Advance APR	24.9%
Cash Advance Fee	2% (Min £2.50)
Minimum Payment Required	2.25% (Min £5)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	£100,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Virgin Credit Card Details, Features, Charges and Benefits

• You can apply Online for this card

• Great Discounts with Virgin purchases

• Purchase Protection Insurance

Virgin Credit Card Review Summary

The Virgin Credit card offers one of the highly efficient balance transfer deals in the UK market - 0% for 13 months. The standard rate is also comparable to other cards. Combined with the discounts and benefits on offer this is a sure winner among the cards available in UK markets.

Link to previous articles:
American Express Gold Credit Card
American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card

American Express Red Credit Card

The American Express Red credit card is an innovative credit card introduced by the trusted American Express or Amex, in short. Very commonly known for their popular charge cards, Amex have now introduced a useful and featureful credit card – called the Red Credit card.

This is a credit card which claims to be with a big difference. Instead of having a cashback offer or other loyalty scheme the American Express Red donates 1.25% of everything spent on the card to a Global Fund - financed programs in Africa which help woman and children affected by HIV / Aids. As an introductory offer, £5 is donated automatically if you make a purchase on the card within 1 month of receiving it. Hence, you can contribute to charity by just swiping this card as much as possible and directly/indirectly show your concern and support for the needy people across the globe.

Along with charity as one of its main selling points, the American Express Red credit card also offers a great standard rate of just 12.9% APR - one of the most competitive APR Rates available in the market today. American Express Red Credit Card also offers 24hr global assist, Travel accident insurance, purchase protection and more so it really is a case of helping yourself while you help others.
Details

Introductory Balance Transfers	n/a
Monthly Rate	n/a
Period	n/a
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	12.9%
Monthly Rate	1.02%
Cash Advance APR	23.6%
Cash Advance Fee	1.5% (Min £2.00)
Minimum Payment Required	3% (Min £5)
Annual Fee	None (Subject to minimum spend)
Loyalty Points	none
Travel Accident Insurance	£50,000
Free Purchase Protection	90 Days, up to £50,000
Foreign Usage Fee	2.73%

Other American Express Features and Benefits
• Donate to a charity while you shop/spend

• Great color and Card Design

• Free Buyers Protection

• Free Travel Accident Insurance

• Online internet account management

American Express Red Credit Card Review Summary
The American Express Red credit card is a decent value offer from one of the most reputed financial organizations of the world. The standard rate of 12.9% is very low and attractive enough for a day to day use credit card and it has a great big list of added value benefits. But that is not the main selling point of the American Express Red Credit card. The chance to give something back in charity while going about your daily life shopping is definitely a nice idea.

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

Alliance and Leicester Credit Card

Alliance and Leicester – a reputed financial organization, has one of the most trusted names in the Britain and the Alliance and Leicester credit card has some good features.


The Alliance and Leicesterand credit card has a creditworthy combination of competitive rates and good added value features, along with loads of other benefits. It has all the online functionality you could require as well as the reassurance of a physical presence in your neighbourhood (not too far). The introductory balance transfer rate of 0% lasts for first 12 months (3% handling fee may be applicable) which could save you enough money.

You also get 0% for 3 months on purchases. The standard rate is 15.9% APR, which is one of the most competitive rates in the market. Other benefits include optional payment protection cover and credit limits up to pound 50,000. But be careful, higher credit limit means higher tendency to spend and one may end up in huge debt- hence, take the limit as much as you can afford.

You can apply online and manage your account online as well as having a normal monthly statement through the courier service or post.

Details

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 Months
Introductory Purchases	n/a
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.2408%
Cash Advance APR	27.9%
Cash Advance Fee	2.25% (Min £2.50)
Minimum Payment Required	2.25% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	£250,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Alliance and Leicester Credit Card Features, Charges, Benefits and other details

• No annual fee


• 24hr customer service line


• Manage your account online


• Online applications

Alliance and Leicester Credit Card Review Summary

The Alliance and Leicester credit card is a reasonable credit card from a trusted and reputed organization. The rates charged on offer are very competitive as per the UK market and they offer a good range of benefits. The 0% on balance transfers is also particularly attractive.

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

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

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

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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