Barclaycard

Barclaycard OnePulse

Barclaycard OnePulse is the only card to offer Oyster card, Credit and Cashless all in one card

Barclaycard Onepulse
  • 0% on purchases for 6 months from account opening
  • 14.9% APR Typical variable
  • In-built Oyster card
  • Go cashless with OneTouch, a new and quick way to pay for purchases of £10 and under.
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How it works

Think of your Barclaycard OnePulse as having a built-in Oyster card in addition to your standard credit card and cashless payment, so you can move faster and shop smarter.

Before you use your card for Oyster travel, you need to pre-load your card with either a season ticket (e.g. a Travelcard or Bus Pass) or pay as you go.

To make cashless purchases with OneTouch payment simply hold your Barclaycard OnePulse card next to the secure reader at participating merchants and your transactions will be complete in a matter of seconds. That’s all it takes. No need to enter your PIN†. No counting cash. No messing.

  • Oyster card

    • In-built Oyster card - the fastest, smartest and easiest way to travel around London by bus, Tube, tram, DLR or London Overground
    • Your Barclaycard OnePulse can be used in exactly the same way as a standard Oyster card
    • Set up Auto top-up from your Barclaycard OnePulse and we’ll automatically top up your Oyster pay as you go with £40 or £20 whenever it drops below £5. This means you will never have to top up your Oyster pay as you go again

  • Credit card and Cashless

    • It works as a standard credit card allowing you to shop with confidence and with all the value, flexibility and security you’d expect from Barclaycard.
    • Cashless is the new quick and easy way to pay for purchases of £10 and under using OneTouch payment wherever you see the wave symbol
    • Your normal credit card and OneTouch transactions will be debited directly from your Barclaycard

†For added security, you may occasionally be asked to enter your PIN for OneTouch transactions

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Summary Box

Summary Box

It’s good to know the plain facts about your Barclaycard. This Summary Box gives you clear information about the key features of your card.

APR Typical 14.9% APR (variable)
Other rates Introductory rates Monthly interest rate Annual interest rate
Purchases

0% for 6 months from account opening

 1.167% 14.9%
Cash Withdrawals n/a 2.075% 27.9%
Balance Transfers

n/a

 1.167% 14.9%
Interest free period

Maximum 56 days on purchases if you pay in full and on time each month for the first six months.

No interest free period on balance transfers, cash withdrawals or Barclaycard cheques.

This is subject to any interest free promotional offer.
Interest charging information

You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise interest will be charged over the following periods:
  From Until  
Purchases Transaction date Repaid in full  
Cash Withdrawals/cheques Transaction date Repaid in full  
Balance transfers Date debited to your account Repaid in full  
 

Even if you pay the balance in full, the interest charge for the period from the previous statement to the date of full repayment will be debited the following month.

You will not pay interest on Default Charges for 28 days, starting from the date that you are given notice of the Default Charge.
Allocation of payments

Payments you make will reduce your balance in the following order:

  1. Default Charges and interest on Default Charges.
  2. Promotional balance transfers and fees
  3. Promotional purchases
  4. Interest, fees and charges
  5. Standard rate purchases and balance transfers
  6. Cash balance
Minimum monthly payment

2.25% or £5, whichever is greater

If you only make the minimum payment it will take longer and cost you more to clear your balance.
Amount of credit

Minimum credit limit £250, maximum subject to status.

We may restrict the amount of cash that you can withdraw.
Fees

No annual fee
Charges
  • Cash and cheques: 2.5% (min £2.50)
  • Balance transfers: 2.5% unless we tell you otherwise
  • Overseas transactions: 2.75%
  • Copies of statements: £3
  • Copies of transactions: £5
Default charges
  • Late payment fee: £12
  • Over credit limit: £12
  • Returned payment: £12

You can avoid additional charges. Please stay within your credit limit and ensure that your payments are received on time.

Pay less interest by repaying more each month

The example below assumes the following:

  • £1,000 purchase on 1st November 2008 and no further transactions made
  • Typical rate of 14.9% APR variable is charged
  • Credit limit is not exceeded
  • Minimum payment of 2.25% or £5 (whichever is greater) is made
  • Payment is made each month on payment due date
  • Calculation excludes payment protection insurance
Monthly Repayment Minimum payment each month £50 each month £100 each month
How much interest will be charged in the first year? £60.77 £45.05 £18.87
How much interest will be charged in the second year? £110.24 £34.74 None
How long would it take to clear a balance?

16 years 8 months

 2 years 1 year 1 month

Cancellation rights

You have a right to cancel this Agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton, NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation, you may be required to pay interest or other charges under the terms of this Agreement.

Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority.

Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP

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