Barclaycard Platinum Simplicity Credit Card

Simply our lowest APR

Enjoy a low rate of 6.8% on all purchases and on all balance transfers (no handling fee applies). Apply now to start enjoying all the benefits of the Barclaycard Platinum Simplicity credit card.

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

Barclaycard Platinum Simplicity 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
• 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 Simplicity Credit Card if you:

• Want a low rate for all your purchases and balance transfers
• 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	0.553%	6.8%
Cash withdrawals	N/a	1.233%	15.8%
Balance transfers	N/a	0.553%	6.8%

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£61.69	£52.83	£38.32
How much interest will be charged in the second year?	£50.36	£17.86	-
How long would it take to clear the balance?	12 years and 2 months	2 years	1 year and 1 month

The following assumptions have been made:

• You are charged the standard 6.8%. 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 August 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.

Platinum Simplicity 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. We can't accept transfers from cards or loans issued by companies within the Barclays Group. If you choose to close your account with other lenders, please let them know in writing.
4. You should continue to make payments to your other lenders until the balance has been confirmed.
5. 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.
6. 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.