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Useful information

Rates and fees

Useful information

Classic, Gold and Platinum rates
Royalties Gold rates
Student rates
Private rates

Classic, Gold and Platinum rates

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 16.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Other Interest Rates	Introductory Rate	Monthly Rate	Simple	Effective
Purchases	4.9% for 9 months from account opening	1.313%	15.756% p.a.	16.945% p.a.
Balance Transfers	N/A	1.313%	15.756% p.a.	16.945% p.a.
Cash Advances	N/A	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	N/A	1.313%	15.756% p.a.	16.945% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. No interest free period on cash advances, money transfers or balance transfers.

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	transaction date	repaid in full
Balance transfers	transaction date	repaid in full
Cash advances	transaction date	repaid in full
Money transfers	date debited to your account	repaid in full

Allocation of Payments	We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of: (i) 2.25% of the new balance shown on your statement, rounded down to the nearest pound or £5, whichever is more; or (ii) the amount you owe over your credit limit less any overdue amounts from previous statements. We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £300, maximum £20,000. Subject to status.
Fees	No Annual Fee.
Charges	Cash advances (except gambling transactions): 3%, minimum £3. Transactions in foreign currencies (including purchase of foreign currency and travellers' cheques): 2.75%. Copies of statements: £3. Returned payment: £10. Returned promotional cheque: £12.
Default charges	Over limit: £12. Late payment: £12.

Royalties Gold

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 15.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Other Interest Rates	Introductory Rate	Monthly Rate	Simple	Effective
Purchases	4.9% for 9 months from account opening	1.240%	14.880% p.a.	15.938% p.a.
Balance Transfers	N/A	1.240%	14.880% p.a.	15.938% p.a.
Cash Advances	N/A	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	N/A	1.240%	14.880% p.a.	15.938% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. No interest free period on cash advances, money transfers or balance transfers.

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	transaction date	repaid in full
Balance transfers	transaction date	repaid in full
Cash advances	transaction date	repaid in full
Money transfers	date debited to your account	repaid in full

Allocation of Payments	We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of: (i) 2.25% of the new balance shown on your statement, rounded down to the nearest pound or £5, whichever is more; or (ii) the amount you owe over your credit limit less any overdue amounts from previous statements. We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £300, maximum £20,000. Subject to status.
Fees	No Annual Fee.
Charges	Cash advances (except gambling transactions): 3%, minimum £3. Transactions in foreign currencies (including purchase of foreign currency and travellers' cheques): 2.75%. Copies of statements: £3. Returned payment: £10. Returned promotional cheque: £12.
Default charges	Over limit: £12. Late payment: £12.

Student rates

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 18.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Other Interest Rates	Introductory Rate	Monthly Rate	Simple	Effective
Purchases	N/A	1.456%	17.472% p.a.	18.941% p.a.
Cash Advances	N/A	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	N/A	1.456%	17.472% p.a.	18.941% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time - no interest free period on cash advances or money transfers.

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	transaction date	repaid in full
Cash advances	transaction date	repaid in full
Money transfers	date debited to your account	repaid in full

Allocation of Payments	We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases Cash advances and money transfers See section 2(D)(b) of your Credit Card Agreement for full details.
Minimum repayment	Greater of 2.25% of your balance (rounded down to the nearest pound) or £5 each month. Please note: we do not recommend that you only ever make your minimum payment.
Amount of credit	Maximum initial credit limit of £500. All credit limits are subject to status.
Fees	No Annual Fee.
Charges	Cash advances (except gambling transactions) subject to a handling fee of 3% with a minimum of £3.00; Foreign exchange transactions subject to conversion fee of 2.75% (including purchase of foreign currency and travellers' cheques); Copies of statements are subject to a fee of £3.
Default charges	£12 if the account is over the credit limit at any time during a statement period or if you fail to pay on time; administration fee of £10 to process dishonoured cheque or direct debit.

Private rates

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 14.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Other Interest Rates	Introductory Rate	Monthly Rate	Simple	Effective
Purchases	4.9% for 9 months from account opening	1.167%	14.004% p.a.	14.939% p.a.
Balance Transfers	N/A	1.167%	14.004% p.a.	14.939% p.a.
Cash Advances	N/A	1.873%	22.476% p.a.	24.942% p.a.
Money Transfers	N/A	1.167%	14.004% p.a.	14.939% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. No interest free period on cash advances, money transfers or balance transfers.

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	transaction date	repaid in full
Balance transfers	transaction date	repaid in full
Cash advances	transaction date	repaid in full
Money transfers	date debited to your account	repaid in full

Allocation of Payments	We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of: (i) 2.25% of the new balance shown on your statement, rounded down to the nearest pound or £5, whichever is more; or (ii) the amount you owe over your credit limit less any overdue amounts from previous statements. We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £300, maximum £20,000. Subject to status.
Fees	No Annual Fee.
Charges	Cash advances (except gambling transactions): 3%, minimum £3. Transactions in foreign currencies (including purchase of foreign currency and travellers' cheques): 2.75%. Copies of statements: £3. Returned payment: £10. Returned promotional cheque: £12.
Default charges	Over limit: £12. Late payment: £12.