Barclaycard Platinum Credit Card with Balance Transfer

This platinum comes with extra sparkle.

Fancy some breathing space for your finances – and some help with your shopping? With this Platinum credit card, you’ll pay 0% interest on balance transfers for 16 months from account opening (2.9% handling fee applies) plus 0% interest on purchases for 3 months from account opening.

Barclaycard Freedom

With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.

Please see important information and terms and conditions

Contactless payments

Barclaycard Platinum includes contactless payment technology, a new, quick and easy way to pay for purchases of £15 or under – Find out more

Barclaycard Platinum also includes:

• Get into whatever you’re into – Barclaycard Unwind puts some of the best live music at your fingertips. You’ll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
• Identity Protection Service – advice about protecting yourself from identity theft
• Safer shopping with Fraud Monitoring including Chip and PIN and monitoring your account for unusual spending
• Purchase Delivery Protection – peace of mind against loss or damage to goods ordered and delivered from UK suppliers online, over the phone using your Barclaycard (second-hand goods and services excluded)
• Worldwide Assistance – emergency help when travelling abroad
• Travel Service – pay with your Barclaycard and you'll get great deals on thousands of destinations worldwide
• Mybarclaycard - register and manage your account online, switch to paperless statements, set-up direct debits, track your spending and much more.
• Emergency Card Replacement and Cash Advance – replacement card and cash advances if your Barclaycard goes missing

Important information

Barclaycard reserves the right to withdraw this offer at any time.

Terms and Conditions apply. Barclaycard is subject to application and status.

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 a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.

The following is a guide to call charges from landlines within the UK: Call charges info.

Think about our Platinum Credit Card if you:

• Want some time out from paying interest on your balance transfer
• Have a good credit rating
• You have no history of bankruptcy
• You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
• You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
• You have always made payments on time
• Don't already have a Barclaycard
• Have had a permanent UK address for 3 months or more
• Have a regular income of more than £20,000 pa
• Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
• Are aged 21 or over

It's good to know the plain facts about this Barclaycard. This Summary Box gives you clear information about the key features of the card and does not replace any terms and conditions.

Interest rates	Introductory rates	Monthly interest rate	Annual interest rate
Purchases	0% for 3 months from account opening	1.313%	16.9%
Cash withdrawals	N/a	2.075%	27.9%
Balance transfers	0% interest for 16 months from account opening with a 2.9% fee on transfers made within 60 days of opening your account. The amount transferred must not exceed 90% of the available credit on your account.	1.313%	16.9%

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£108.70	£87.54	£50.90
How much interest will be charged in the second year?	£131.29	£46.12	None
How long would it take to clear the balance?	19 years	2 years 1 month	1 year and 1 month

Platinum 0% limited period Balance transfer terms and conditions

0% interest for 16 months on credit card balances and 3 months on purchases... if that's tempted you to go platinum, here's the small print:

1. The amount transferred must not exceed 90% of the available credit on your account. If your credit limit is not enough to cover the balance transfer amount in full, we will ask you to confirm whether you would like to transfer a lower amount.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount that you can transfer. We may need to ask you to provide further information before confirming your balance transfer.
3. A handling fee will apply to each balance transfer that you make. Please refer to the summary box or your Barclaycard Terms and Conditions for details.
4. We cannot accept transfers to other credit card or loan accounts held with Barclays Bank PLC or any other Barclays group company.
5. If you choose to close your account with other lenders, please let them know in writing.
6. You should continue to make payments to your other lenders until is has been confirmed that the balance has been transferred.
7. If you do not make at least the minimum payment by the payment due date, or you exceed your credit limit at any time we will remove any promotional rate on your balance transfer and charge your interest at your standard rate instead.
8. If you make your balance transfer request during your application for a new Barclaycard, then you will commit to making your balance transfer when you sign up to your agreement.
9. You have up to 60 days from the date of your application to transfer your balance.
10. For your protection and to help prevent fraud, your balance transfer will be subject to a delay of up to 10 days to enable us to complete additional checks.