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

APR

Representative 80.1% APR (variable)

Other interest rates apply

Purchases

Cash Withdrawals

Balance Transfers

Instalment Plan

Interest Free Period

• Maximum 56 days from date of any new transactions including 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.
• 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:

All transactions and 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.

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 Instalment Plan payments due for that month;
• Reduce your main balance (your statement balance less any Instalment 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 Instalment plans, to reduce any remaining Instalment plan balance 

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

Minimum Repayment

Your minimum payment will be the highest of the following:

£5 (or the full outstanding balance if it’s less than £5)

1% of your main balance plus any instalment plan payments due for that month (if you have any instalment plans on your account)

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 and any instalment plan payments due for that month (if you have any Instalment Plans on your account).

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

Credit Limit

Fees

The monthly maintenance fee for your account is £20.00, added to the account when it is opened and on your statement date each month.

Charges

Foreign Usage

Depending on your card type, rates can be found at either Visa or Mastercard

One or more of the following may apply

Non-sterling purchase fee: 2.99% of purchase (no minimum)

Default Fees

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 29.9% (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?

How much interest will be charged in the second year?

Time it will take to pay off the balance

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 Lending Standards Board.