Barclaycard Platinum Credit Card with Long Term Balance Transfer

This platinum comes with extra sparkle

Fancy some breathing space for your finances – and some help with your shopping?

Choose this card and we’ll give you 6.3% interest on balance transfers for 3 years from account opening (No handling fee applies).

Contactless payments

Barclaycard Platinum includes contactless payment technology, a new, quick and easy way to pay for purchases of £10 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
• Online Account Services - manage your account online and enjoy the ease and convenience this brings.
• 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

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 to transfer your balance to a new credit card
• Have a good credit history
• 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	0.982%	12.4%
Cash withdrawals	N/a	2.075%	27.9%
Balance transfers	6.3% interest for 3 years from account opening (no handling fee applies) on balance transfers made within 60 days of account opening on amounts up to £5,000	0.982%	12.4%

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£112.07	£96.31	£68.68
How much interest will be charged in the second year?	£96.43	£35.23	None
How long would it take to clear the balance?	15 years 2 months	2 years 1 month	1 year 1 month

Platinum Balance transfer terms and conditions

1. You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower. This is subject to the available credit on your account.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer. If we do allow you to transfer an amount over £5,000, the excess will be debited to your account and charged at 6.9% interest per annum until paid in full. We will not charge a handling fee on the excess.
3. We can't accept transfers from cards or loans issued by companies within the Barclays Group.
4. If you choose to close your account with other lenders, please let them know in writing.
5. You should continue to make payments to your other lenders until the balance has been confirmed.
6. Your monthly payments will reduce your promotional balances first (promotional balance transfers will be repaid before promotional purchases). This means that you will be charged interest on other balances and new spending whilst your promotional balances are being paid off. Obviously the more you pay back, the quicker your balances will be paid off.
7. If you do not make at least the minimum payment by the payment due date each month or if you exceed your credit limit at any time we will remove the promotional rate from any promotional balance and charge at your standard rate instead (typical rate 12.4% APR variable).
8. This credit card balance transfer offer is only available when you apply online using this application form. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account.