Barclaycard OnePulse Credit Card with Cashback

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

Learn more about this card

Choose our card and we'll give you cashback on all Transport for London (TfL) spend. That's on top of 0% interest on your balance transfers for 12 months from account opening and a competitive APR. Terms and conditions apply

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

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.

Interest rates	Introductory rates	Monthly interest rate	Annual interest rate
Purchases	n/a	1.167%	14.9%
Cash withdrawals	n/a	2.075%	27.9%
Balance transfers	0% interest for 12 months from account opening with a 2.5% 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.	1.167%	14.9%

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£134.50	£115.76	£82.42
How much interest will be charged in the second year?	£118.37	£44.54	None
How long would it take to clear the balance?	17 years 3 months	2 years 2 months	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 1^st 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.

Barclaycard OnePulse Balance transfer terms and conditions

1. The amount transferred must not exceed 90% of the available credit onyour account (minimum transfer £250).
2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer.
3. A 2.5% handling fee will apply to each 0% interest balance transfer you make.
4. We can't accept transfers from cards or loans issued by companies within the Barclays Group.
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 the balance has been confirmed.
7. Your monthly payments will reduce your promotional balances first (longest duration first). so you will be charged interest (where it applies) on other balance and new spending whilst your promotional balances are paid off. Obviously the more you pay back, the quicker your balances will be paid off.
8. If you do not make at least the minimum payment by the payment due date or if you exceed your credit limit at any time we will remove the promotional rate and revert to charging at your standard purchase interest rate (typical rate 14.9% APR variable).
9. This credit card balance transfer offer is only available when you apply online using this application form.
10. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account. Please see summary box and Barclaycard conditions about allocation of payments.