Premiership Summary Box

Summary Box

If you love the beautiful game, you'll love this card. It makes following your favourite sport even more rewarding

Summary Box

It’s good to know the plain facts about your Barclaycard. This Summary Box gives you clear information about the key features of your card.

APR Typical 14.9% APR (variable)
Other rates Introductory Rate Monthly Interest Rate Annual Interest Rate
Purchases n/a 1.167% 14.9%
Cash Advances n/a 2.075% 27.9%
Balance Transfers 0% for 12 months on amounts up to £5,000, 2.5% handling fee. 1.167% 14.9%
Interest free period
  • Maximum 56 days on purchases if you pay in full and on time each month, during the first six months.
  • No interest free period on balance transfers, cash withdrawals or cheques.
  • This is subject to any interest free promotional offer.
Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time. Otherwise the period over which interest is charged is as follows:
from until
Purchases transaction date paid in full
Cash withdrawals transaction date paid in full
Balance transfers date of debit from your account paid in full
Allocation of payments

Payments you make will reduce your balance in the following order:

  1. Promotional balance transfers and fees
  2. Promotional purchases
  3. Interest, fees and charges
  4. Standard rate purchases and balance transfers
  5. Cash Balance
Minimum Monthly repayment

3% or £5 per month (whichever is greater) If you only make the minimum payment each month it will take you longer and cost you more to clear your balance.
Amount of credit

Minimum credit limit of £250, maximum credit limit is subject to status.
Fees

No annual fee
Charges
  • Cash : 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
  • Copies of transactions: £5.00
Default charges
  • Late payment fee: £12
  • Over credit limit fee: £12
  • Returned payment: £12

You can avoid paying additional charges by staying within your credit limit and ensuring that your monthly payments are received on time.

Pay less interest by repaying more each month.

The example below assumes the following:

  • £1,000 purchase on 1st January 2007 and no further transactions made
  • Typical rate of 14.9% APR variable is charged
  • Credit limit is not exceeded
  • Minimum repayment of 3% or £5 (whichever is the greater) is made
  • Payment is made each month on payment due date
  • Calculation excludes payment protection insurance
Monthly Repayment Minimum repayment each month £50 each month £100 each month
How much interest will be charged in the first year? £130.03 £115.76 £81.42
How much interest will be charged in the second year? £104.51 £44.54 None
How long would it take to clear the balance? 11 years 11 months 2 years 1 month 1 year

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 on all rights, 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

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