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Summary Box

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

APR

Representative 19.9% APR (variable)

Other interest rates apply

Purchases

Introductory Rate

Monthly Rate

Annual Rate

0% interest for 6 months from account opening

1.5225%

Simple rate 18.27%

(Compound equivalent 19.9%)

Cash Withdrawals

Introductory Rate

Monthly Rate

Annual Rate

N/A

2.0708%

Simple rate 24.85%

(Compound equivalent 27.9%)

Balance Transfers

Introductory Rate

Monthly Rate

Annual Rate

0% interest on eligible balance transfers for 28 months (3.5% fee applies) from account opening. Balances must be transferred within 60 days of account opening. The amount transferred must not exceed 90% of the available credit on your account

1.5225%

Simple rate 18.27%

(Compound equivalent 19.9%)

Purchase Plan

Introductory Rate

Monthly Rate

Annual Rate

N/A

0% (we will tell you when you have an offer available)

0% (we will tell you when you have an offer available)

Interest Free Period

Maximum 56 days from date of transaction for new purchases, non-sterling cash withdrawals and any balance and money transfers on a promotional rate that have been added to your account since your last statement if you pay your main balance (excluding any promotional balance with a 0% interest rate) and any monthly instalment plan payments (if you've taken out any instalment plans) in full and on time each month.
Note - Your main balance is your current statement balance less any instalment plan balance.

No interest free period on sterling cash withdrawals (this is subject to any interest free promotional offer).

Any instalment plan you take out is interest free until the end of the plan.

Interest Charging Information

If interest is payable, it will be charged over the following period:

Purchases, non-sterling cash withdrawals, balance and money transfers from the date the transaction is added to your account until the date of your last statement before the transaction is paid in full.

Sterling cash withdrawals from the date the transaction is added to your account until it is paid in full.

If your main balance and any Instalment Plan payments due for that month are not paid in full, interest will be charged on all items in your main balance. Interest is charged on a daily basis. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.

Your simple purchase and cash interest rates will move up and down in line with changes to the Bank of England Base Rate. Base Rate changes will not apply to your promotional or Instalment Plan interest rates.

We work out how much interest we charge each month using a simple interest rate. We also show you the compound equivalent as it takes account of interest you will pay on interest if you do not repay your total outstanding balance in full each month.

Allocation of Payments

Your payments will be applied in the following order:

Make any purchase plan payments due for that month;

Reduce your main balance (your statement balance less any purchase plan balance). We'll start with the balances charged at the highest interest rate first and then reduce the lower rate balances; and then

If you've taken out any purchase plans, to reduce any remaining purchase plan balance 

For further details, please refer to your credit card terms and conditions.

Minimum Repayment

The highest of:

  1. £5 (or the full outstanding balance if it's less than £5)
  2. 2.25% of your main balance plus any purchase plan instalments due for that month 
  3. An amount equal to any interest, default fees or account maintenance fees that have been added to your account since your last statement, plus 1% of the rest of your main balance plus any purchase plan instalments due for that month 

If you only make the minimum payment each month it will take you longer and cost you more to clear your balance.

Credit Limit

Minimum credit limit:

£50

Maximum credit limit:

Subject to status

Fees

No annual fee

Charges

Cash fee:

2.99%, minimum £2.99 on sterling transactions only

Balance transfers:

We will let you know the fee when we send you an offer

Purchase Plans:

We will let you know the fee when we send you an offer

Copies of statements:

£2.00 for each additional paper copy of a statement

Copies of transactions:

£2.00 for each copy of a record of a transaction

Foreign Usage

Payment Scheme Exchange Rate: Depending on your card type, rates can be found at at either Visa  or MasterCard    

One or more of the following may apply.

Non Sterling Transaction Fee: 2.99% of transaction (no minimum).

Default Fees

Late payment:

£12

Over credit limit:

£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.

Additional important information

Pay less interest with larger monthly repayments

The example below assumes the following:

£1000 purchase is added to your account on the 1st of the month and no further transactions made

Minimum payment is made each month on payment due date

Standard Rate 19.9% (compound) p.a. is charged

Calculation includes any introductory rate on purchases

Credit limit is not exceeded

How much interest will be charged in the first year?

You pay the minimum every month

You pay £50 every month

You pay £100 every month

£79.64

£59.36

£23.53

How much interest will be charged in the second year?

You pay the minimum every month

You pay £50 every month

You pay £100 every month

£145.64

£47.97

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Time it will take to pay off the balance

You pay the minimum every month

You pay £50 every month

You pay £100 every month

18 years 2 months

2 years

1 year

If you would like this information in large print, Braille or audio format please call 0800 161 5326, *.

*To make sure we maintain a high-quality service, we may monitor or record phone calls.

Barclaycard is a trading name of Barclays Bank UK PLC. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England No. 9740322. Registered office: 1 Churchill Place, London E14 5HP

Barclays Bank UK PLC adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk