Showing posts with label Reward Scheme. Show all posts
Showing posts with label Reward Scheme. Show all posts

Citibank Platinum Mastercard with itunes Reward Points-123


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Use your Citi Platinum MasterCard to get the music you love. Simply use your Citi Platinum MasterCard for your everyday purchases and you'll earn iTunes music points*. You can then use these points for iTunes music downloads - or even save for an iPod nano!

• Earn 1 point for every £1 you spend* on your Citi Platinum MasterCard

• 2,000 point bonus if you make £250 worth of purchases within the first 3 months of having your credit card

• A 3% service fee applies for each balance transfer (subject to a minimum of £5)

• Free Identity Theft Solutions

• Free purchase protection**

• Free online fraud guarantee**

• Typical17.9% APR (variable)
Link to previous articles:
Citibank Platinum Mastercard Credit card
Citibank Shell Master Credit Card
Citibank EasyJet Credit Card
Halifax Ipoints Loyalty card
Halifax Marriott Rewards Visa Card
Halifax Amazon Master Card
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Rates and Charges of Citibank Platinum Mastercard Creditcard


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PLATINUM SUMMARY BOX
The information contained in this table summarises key product
features and is not intended to replace any Terms and Conditions
APR on PurchasesTypical 16.9% APR(variable)
Other ratesIntroductory RateMonthly RateAnnual Rate
PurchasesN/AFrom 1.313% to 2.079%From 15.8% to 24.9% per annum (variable)
Cash AdvancesN/AFrom 2.079% to 2.329%From 24.9% to 27.9% per annum (variable)
Balance Transfers0% for 9 months on all balance transfers made within 90 days of account opening dateFrom 1.313% to 2.079% From 15.8% to 24.9% per annum (variable)
Flex PaymentsN/AFrom 1.313% to 2.079%From 15.8% to 24.9% per annum (variable)
Interest free periodUp to 56 days for purchases if you pay your balance in full and on time. 0 days for cash advances, credit card cheques balance transfers and Flex Payments
Interest charging information

























































The periods over which interest are charged
are as follows:
FromUntil
Purchasestransaction daterepaid in full*
Cash Advancestransaction daterepaid in full*
Balance Transfersdate debited to your accountrepaid in full*
Credit Card Chequesdate debited to your accountrepaid in full*
Flex Paymentsdate debited to your accountrepaid in full*
Allocation of payments







































































All payments we receive from you will (unless otherwise required by law) be applied to payments your Account in the following order:

(a)

Flex Payments Monthly Instalment (to be applied to each Flex Payment facility in the order of creation);

(b) other interest and Account Charges;
(c) existing Promotional Balances - lowest rates first;
(d) new Promotional Balances - lowest rates first;
(e)

existing Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account as shown on the monthly statement;

(f)

new Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account but not yet shown on the monthly statement;


(g)

existing Cash balances shown on the last monthly and/or previous statements - in the order in which they were debited to your Account as shown on the monthly statement;

(h)

new Cash balances - in the order in which they were debited to your Account but not yet shown on the monthly statement; and

(i)

the balance of each Flex Payments facility (to be applied to each facility in the order of creation).


Minimum monthly repaymentUnless we tell you otherwise, the minimum monthly payment will be:

the greater of:

(a) £5; or

(b) 2.25% of the Non Flex Payments Balance; or

(c) (i) 1% of the Non Flex Payments Balance; plus

(ii) billed interest on the Non Flex Payments Balance as shown on your statement; plus

(iii) late fees charged in accordance with clause 12.1 as shown on your latest statement (unless these have been cleared prior to the statement date in accordance with clause 9.2);

PLUS

any amount by which you have exceeded your Credit Limit at the date of your statement;

PLUS

any Flex Payments Monthly Instalments (which include all interest applied to any Flex Payments facility during the statement period);

PLUS

all minimum monthly payments outstanding from previous statements.
Amount of creditMinimum credit limit of £500,
maximum credit limit subject to status.
FeesNo annual fee.
Charges












































Balance Transfers

3% of each Balance Transfer (subject to a minimum service fee of £5)

Cash Advances

Cash from an ATM - 3% service fee (minimum £5).

Other Cash Advances – the higher of (i) £5 or (ii) 3% of each cash advance

Foreign Exchange2.75% exchange fee on non-sterling
transactions
Duplication Statement£3 for a copy of a statement
Authorised Sales Voucher£10 for a copy of an authorised
sales voucher
Personal Information£10 for a copy of the information
we hold about you and your account
Default charges































































Late Payment Fee
(failure to make the minimum requested payment
to your account by the payment due date):
£12
Overlimit Fee
(charge for exceeding your agreed credit limit at any
time):
£12
Return Fee
(charge applied when a direct debit, cheque or other
item is not paid when presented):
£12
Insufficient Funds
(charge applied if there are insufficient funds on your
account to cover a credit card cheque that you have issued
on your account):
£12
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Citi Platinum MasterCard Credit Card


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With so many benefits,
the Citi Platinum MasterCard has you covered.



As a Citi Platinum MasterCard holder, you’ll be recognised the world over, no matter where you travel, and you’ll always enjoy an array of exclusive benefits developed exclusively for our Platinum Card customers.

Citi Identity Theft Solutions
If someone gets their hands on your personal information, such as your bank account details, it’s possible that they could fraudulently open other financial agreements in your name. Citi Identity Theft Solutions is a free service we provide to all Citi Cardholders to help you restore your good name and good credit if you have your identity stolen. Find out more about Citi Identity Theft Solutions.

Shop online with confidence Any charges to your card made online without your consent will be refunded, so you can buy goods online with confidence.

Active fraud protection If we see something that looks suspicious when your card is being used, we'll alert you. If it proves to be fraudulent, you will not be liable for any purchase you haven’t authorised.

Price match guarantee If you buy something with your Citi Platinum MasterCard and then find it cheaper elsewhere within 60 days, we’ll refund the difference. See Insurance Information.*

Free peace of mind when you're abroad Book your holiday with your Citi Platinum MasterCard, and you’ll have up to £100,000 free cover if you’re injured whilst travelling. You can also access expert medical and legal assistance – free at any time of the day or night. See Insurance Information.*

12 months extended warranty Save money with an additional 12 months extended warranty on domestic electrical items you buy with your card. See Insurance Information.*

Free purchase protection Relax knowing that anything you buy with your card is covered against accidental damage and theft for the first 30 days. See Insurance Information.*

Optional cardholder repayment protection (CRP) If you can’t make your Citi Card repayments because of involuntary unemployment or need time off work following an accident or serious illness, after 30 consecutive days we can arrange for them to be taken care of (to a maximum monthly repayment of £500) for up to 12 months. What's more, your entire balance will be cleared in the event of your death (to a maximum of £20,000). You can have this peace-of-mind for only 85p per £100 of your statement balance at statement date. See Insurance Information.*

Optional Card Protection Plan Plus (CPP Plus) Protect against the fraudulent use of your cards when lost or stolen with Card Protection Plan Plus. CPP Plus cancels your old cards and orders new ones immediately for only £29 per year, or £70 for 3 years' cover.
See Insurance Information.*


Online account servicing You can manage just about every aspect of your account online, including accessing statements, viewing transactions, requesting a PIN reminder or a credit limit increase, and making debit card payments.
More information.

Citi Alerts Receive updates on your account by text message, email or both. It means you don't have to wait until you receive your statement to find out the latest on your account. It's a great way of staying on top of your finances wherever you are - and of making sure your account stays secure. To register for Citi Alerts, call Card Services today on 0870 908 6000.**
Link to previous articles:
Citibank Shell Master Credit Card
Citibank EasyJet Credit Card
Halifax Ipoints Loyalty card
Halifax Marriott Rewards Visa Card
Halifax Amazon Master Card
Halifax NSPCC Charity Card
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Citibank Shell Master Credit Card


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Drive down your fuel costs
You could save around £130 each year~


So how does it work?

1. You will earn Shell rebate every time you use your card:^

The Shell MasterCard from Citi gives you:

• 3% rebate on Shell purchases in Great Britain

• 1% rebate when you use your card anywhere else

• Typical standard rate of 16.9% APR (variable)

For example:



And there's no limit on how much you can earn!

2. Redeeming your Shell rebate
Just keep buying Shell fuel in Great Britain each month, and we will automatically credit your Shell MasterCard from Citi account with your accrued rebate up to the value of your Shell fuel purchase - saving you money every time you fill up!^

Plus...

Save with 0% p.a. on balance transfers for the first 9 months*, typical standard rate 15.8% per annum (variable) thereafter. 3% fee, (minimum £5).

Additional benefits
• Up to £50,000 motor legal protection†

• Free travel accident insurance†

• Discounted motoring benefits

• No annual fee

• More benefits


*View Terms and Conditions for this credit card.

View Rates and Charges for this credit card.

Important Legal Information.

†For important information on our insurance products see Insurance Terms and Conditions.

If you require assistance, please contact Card Services on 0870 330 4330#.

~Around £130 annual saving based on spending £160 on Shell fuel in Great Britain and £600 on other purchases each month on your Shell MasterCard from Citi.

# Calls may be recorded and/or monitored for training and quality purposes.
Link to previous articles:
Citibank EasyJet Credit Card
Halifax Ipoints Loyalty card
Halifax Marriott Rewards Visa Card
Halifax Amazon Master Card
Halifax NSPCC Charity Card
Halifax Cancer Research UK Charity Card
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Citibank EasyJet Credit Card


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Free easyJet flight (worth £40 - inc. taxes)#

When you spend £250 in the first 3 months.#
Earn 10% back on easyJet flights (for 3 months)~

For every £1 you spend at easyJet.com on flights and other purchases made in the same transaction using your card in the first 3 months, you’ll get 10 Miles.

That means you’ll get 10% back for every £1 you spend.
0% on balance transfers for 9 months.*


Typical standard rate 15.8% (variable) Fee of 3%, minimum £5.

Collect Miles when you use your easyJet MasterCard
£1 all UK spend = 1 Mile

£1 overseas spend = 2 Miles

£1 easyJet flight spend = 3 Miles

The value of your Miles will automatically be credited to your account when you use your card to purchase a flight at easyJet.com

Typical 16.9% APR (variable)

Earn Miles for money off easyJet flights


Every time you use your easyJet MasterCard you will be rewarded for spending on easyJet flights and all other purchases too. And with our special introductory offer you could make some great savings!
Your special introductory offer:
• Free easyJet flight worth £40#

Simply spend £250 in the first 3 months and we'll give you 4,000 Miles, which can be used to pay for an easyJet flight worth up to £40 (including taxes). Once you have spent £250 you will receive your 4,000 easyJet Miles. These will be shown on your next statement. When you have received your statement, simply purchase your next flight at easyJet.com and your £40 will be credited to your account.1 There are no limitations on when and where you can fly within the easyJet network and you have thousands of flights to choose from.
Earn 10% back on easyJet.com flights for 3 months~
For every £1 you spend at easyJet.com on flights and other purchases made in the same transaction with your card in the first 3 months, you'll get 10 Miles - that means you will get 10% back for every £1 you spend (up to a maximum £1,000 spend).
This could add up to a further £100 worth of savings on future easyJet flights. As soon as you receive your statement, your Miles will be available to use. The value of your Miles will be redeemed automatically next time you use your card at easyJet.com.²




How to earn Miles: Every time you use your easyJet MasterCard you'll collect Miles.
£1 all UK spend = 1 Mile
£1 overseas spend = 2 Miles
£1 easyJet flight spend = 3 Miles
Plus, when you purchase car hire, travel insurance or accommodation in the same transaction as a flight at easyJet.com, you'll get 3 Miles for every £1 spent.
Typical 16.9% APR (variable)
Mile value is 1 Mile = 1p
One easyJet Mile is not equivalent to a nautical mile.




Redeeming your Miles: Every time you use your card to make a flight purchase at easyJet.com, the value of your Miles will automatically be credited to your account. 10% offer based on earning 10 miles per £1 in first 3 months, to a maximum £1000 spend.
As soon as you receive your statement, refer to the section marked "easyJet Miles Available Balance" to see how many Miles you have ready to use. The value of these Miles can now be redeemed. This will happen automatically next time you use your card at easyJet.com.2




Free easyJet Alerts: Receive updates on your account by text message, email or both. This means you don't have to wait until you receive your statement to find out the latest on your account. It's a great way to stay on top of your finances wherever you are - and helps keep your account secure. To register for easyJet Alerts call Card Services on 0870 161 5000ˆ with your new account details.




Free Citi Identity Theft Solutions: If someone gets their hands on your personal information, such as your bank account details, it's possible that they could fraudulently open other financial agreements in your name. Citi Identity Theft Solutions is a free service we provide to all our Cardholders to help restore your good name and good credit if you have your identity stolen. More information is available on Citi Identity Theft Solutions.




Active fraud protection: If we see something that looks suspicious when your card is being used, we'll alert you to it in order to safeguard you against fraudulent activity.




Free travel accident insurance: Book your holiday with your easyJet MasterCard and you'll have up to £100,000 free cover if you're injured whilst travelling abroad, as well as access to expert medical and legal assistance. Please note this does not substitute your standard travel insurance cover. See Insurance Information.†





Free extended warranty: An additional 12 months extended warranty on domestic electrical items you buy with your card. See Insurance Information †





Free purchase protection: All eligible purchases are protected against theft or accidental damage for 30 days after purchase. See Insurance Information.†





Online fraud guarantee: We will investigate any charges made to your card online without your consent, so you can shop online with confidence.




Free price match guarantee: If you buy something with your easyJet MasterCard and then find it cheaper elsewhere within 60 days, we'll refund the difference. See Insurance Information.†





Optional Cardholder Repayment Protection (CRP): For a small monthly fee, you can protect your repayments in case of illness or involuntary unemployment. Contact Card Services on 0870 161 5000ˆ for more details. See Insurance Information.†





Optional Card Protection Plan Plus (CPP Plus): In the event of fraud, loss or theft, this insurance will cancel your old cards and order new ones immediately. It costs just £29 a year – or £70 for three years if you pay in advance. See Insurance Information.†





No annual fee




Up to 56 days interest free on purchases




Chip and PIN protection: For extra security with your transactions.




Cash whenever you want it: Your card is accepted at over 23 million outlets and a million cash machines worldwide. For larger amounts, simply use our cash advance service – call Card Services on 0870 161 5000ˆ and we can arrange for a cheque to be with you within three working days. Most customers will also receive a credit card cheque book, which you can use to pay utility bills or other lenders, or simply pay into your own bank account.


# Simply spend £250 anywhere in the first 3 months.

~ 10% offer based on earning 10 miles per £1 in first 3 months, to a maximum £1000 spend.

¹ Providing you spend more than the value of your Miles on your flight purchase. If you spend less than the value of your Miles, your remaining Miles will be carried over until your next flight purchase.

² This will only be credited up to the cost of the flight



Link to previous articles:
Halifax Ipoints Loyalty card
Halifax Marriott Rewards Visa Card
Halifax Amazon Master Card
Halifax NSPCC Charity Card
Halifax Cancer Research UK Charity Card
Halifax Student Credit card
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American Express Nectar Credit Card


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Card Features


• Earn up to 4 points for every £1 spent when you use both your Credit Card and your Nectar loyalty card at participating Nectar sponsors1

• Earn 1 point for almost every £1 spent anywhere else that accepts American Express

• Collect 5,000 bonus points when you spend £200 on your Card plus Double Nectar points for your first 3 months2

• Typical 15.9%APR variable3

• No annual fee

• Chip and PIN

Membership Benefits:


• Purchase Protection Benefit

• Refund Protection Benefit

• Online Fraud Guarantee

• Online account access

• 24/7/365 telephone service

• 24hr Card replacement
Link to previous articles:
Bad Credit History? Apply for Credit Card
MasterCard v/s or Visa Card
Lloyds TSB Platinum Card
Cahoot Credit Card
Halifax Credit Card
Post Office Credit Card
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Goldfish Credit Card


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The Goldfish credit card is a great offering in the UK credit card market and has become quite a popular credit cards in the UK.

The reasons for Goldfish credit card to become so popular are aplenty. Goldfish credit card offers a great long term balance transfer rate of 3.9% per annum until 1st July 2010( 3% fee applies) That means, any outstanding balance you have on other credit or store cards can be easily transferred to Goldfish and you could save lots of money using this long term balance transfer facility. The standard rate of 17.9% APR is also quite competitive.

And that’s not all. Goldfish credit card also offers one of the most comprehensive reward schemes in the UK market, with 1 point earned for every pound spent on the card. The reward point earned can be used for redemption against a huge variety of street shop goods and travel rewards.

Details of Goldfish credit card


Introductory Balance Transfers3.9%
Monthly Rate%
PeriodJuly 2010
Introductory PurchasesN/A
Monthly RateN/A
PeriodN/A
Standard APR17.9%
Monthly Rate1.385%
Cash Advance APR26.8%
Cash Advance Fee3% (Min £3)
Minimum Payment Required2% (Min £5)
Annual FeeNone
Loyalty Points1 point for every pound spent
Travel Accident InsuranceNone
Free Purchase ProtectionNone
Foreign Usage Fee2.75%

Other Goldfish Credit Card Features and Benefits


• 3.9% on balance transfers
• Choice of Goldfish card designs
• No Annual Fee
• 52 Days interest free credit
• 24hr Customer Service Line

Goldfish Credit Card Review Summary


An excellent credit card in the UK markets with a great reward scheme. The Long term balance transfer scheme is also making this card very attractive.
Link to previous articles:
Buy & Fly Credit Card
Hilton Honours Credit Card
RSPCA Credit Card
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Vanquis Credit Card
Capital One Credit Card
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