Your Barclaycard Account
Barclaycard OnePulse Credit Card with Purchase
- 0% interest on purchases for 6 months from account opening
- In-built Oyster card for the fastest, smartest and easiest way to travel around London Find out more
- With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
- Set up Auto top-up and you’ll never have to queue to top up your Oyster pay as you go again
- 14.9% APR typical (variable)
Barclaycard OnePulse is the only card to offer Oyster card, Credit and contactless all in one card.
How the card works
Barclaycard OnePulse has three built-in functions, helping you to save time, money and hassle:
- It’s an Oyster card
Use your Barclaycard OnePulse in the same way as a standard Oyster card, for the fastest and easiest way to travel around London. Remember, you’ll need to pre-load the card with pay as you go, Travelcard or a Bus Pass before you travel - It’s a credit card
Shop with all the value, flexibility and security you’d expect from a Barclaycard credit card - It’s a contactless payment card
Barclaycard OnePulse includes contactless payment technology, a new, quick and easy way to pay for purchases of £15 or under in an instant wherever you see the 'contactless symbol'.
Auto top-up
Set up Auto top-up from your Barclaycard OnePulse and we’ll automatically top up your Oyster pay as you go balance with £20 or £40 whenever it falls below £5. This means you’ll never have to queue to top up your Oyster pay as you go balance again
Contactless payments
Barclaycard OnePulse includes contactless payment technology, a new, quick and easy way to pay for purchases of £15 or under - Find out more
People choose Barclaycard because all customers could enjoy:
- Coming soon - Barclaycard Freedom - a reward programme like no other.With Barclaycard Freedom you instantly earn Reward Money (not points or fiddly vouchers) and can redeem it immediately in selected retailers.
- 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
- Free Text Alert Service - opt in for text alerts five days before your payment is due
- 24 hour Customer Service Assistance
Find out more about the benefits of choosing Barclaycard
* 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.
Think about Barclaycard OnePulse if you:
- Want to travel around London faster, smarter and easier with an in-built Oyster card
- 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.
APR
Typical 14.9% APR (variable)
| Interest rates | Introductory rates | Monthly interest rate | Annual interest rate |
|---|---|---|---|
| Purchases | 0% for six 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
Up to 56 days interest free from the date of the transaction on new purchases if you pay your statement balance in full and on time each month.
No interest free period on balance transfers, cash withdrawals or Barclaycard cheques (subject to any interest free promotional offer).
Interest charging information
If interest is payable, it will be charged from the date the transaction is debited to your account until it is paid in full.
As interest is charged until the date of full repayment, this means that you may receive a further interest charge the following month even though you have paid your current statement balance in full.
Interest is charged on your average daily balance. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.
Allocation of payments
Payments you make will reduce your balance in the following order:
- Default Charges
- Promotional balance transfers
- Promotional purchases
- Purchases, balance transfers and other charges
- Cash withdrawals
Please see the Barclaycard conditions for further details.
Minimum repayment
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.
Credit limit
Minimum credit limit : £250
Maximum credit limit: Subject to status
Fees
No annual fee
Charges
- Cash withdrawals: 2.5% (min. £2.50)
- Balance transfers and cheques: 2.5% unless we tell you otherwise
- Overseas transactions: 2.75%
- Copies of statements: £3.00
Default charges
- Late payment: £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 examples below show how long it would take you to repay a purchase of £1,000 made with your Barclaycard:
| Monthly payment | 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 the balance? | 16 years 8 months | 2 years | 1 year 1 month |
The following assumptions have been made:
- You are charged the standard 14.9%. However, the examples take account of any introductory promotional purchase rate.
- When you make the purchase you do not exceed your credit limit.
- Calculation excludes Payment Protection Insurance.
- £1,000 purchase is debited to your account on 1st March 2010 and no further transaction made.
- You make a payment each month on the payment due date. Your mininum payment is 2.25% or £5, whichever is greater.
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
The Barclaycard OnePulse credit card is one of many great Barclaycard credit card products.
For more information on the Barclaycard range of credit cardsor to apply for a credit card,0% balance transfer credit card,apply for credit card online,balance transfer,cashback credit card.Are you looking for a card that offers a credit balance transfer?Then fill out our credit card applicationform covering our entire credit card range.Will also offer: Credit cards low APR,interest free credit card,online credit card,Platinum credit card,UK credit card range,UK low rate credit card.Personal Loans.Business Credit Card.Insurance
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