Rates & Charges

Nationwide Credit Card
Nationwide Select Credit Card
Gold card
Classic card
Reward card

Nationwide Credit Card

Nationwide Credit Cards terms & conditions (Applications Post 15 May 2012)

Nationwide Credit Cards terms & conditions (Applications Pre 15 May 2012)

Summary Box

Representative Example:

15.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

Balance transfer and purchases offer

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 15.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 3 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%	n/a	27.9%	n/a
Balance transfers	0% p.a. for 20 months* on balances transfers	0.794%	1.527%	9.9%	19.9%
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3.1% (minimum £5.00).

Purchases offer

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 15.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 6 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%.	n/a	27.9%	n/a
Balance transfers	n/a	0.794%	1.527%	9.9%	19.9%
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3.1% (minimum £5.00).

Interest charging information	From	Until
Interest free period	Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date. No interest free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Purchases	date transaction applied to your account	statement balance total paid in full
Cash advances	date transaction applied to your account	statement balance total paid in full
Balance transfers	date transaction applied to your account	statement balance total paid in full
	The transaction date is the date the amount appears on your account.
Interest is calculated daily on the account balance. You will not pay interest on new purchases if you pay your balances in full and on time. Otherwise, the period over which interest is charged is as above
Allocation of payments	We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.
Minimum repayments	Any default charges and interest due on your statement plus 1% of the remaining statement balance, or £25, whichever is the greater. Balances of less than £25 must be paid in full.
Amount of credit	Minimum credit limit	£500
Amount of credit	Maximum credit limit	subject to status.
Fees	No annual fee.
Charges
Cash advances	2.5% handling fee, minimum £3.00
Balance transfers	3.1% handling fee, minimum £5.00 is payable on each balance transfer
Copies of statements	£5 for one copy and £10 for two or more copy statements, unless we tell you that a charge is not payable.
Card replacement	If any card on your account is lost, stolen or damaged, we will replace it free of charge twice in a 12 month period. For each and every replacement card issued after that in this period you will be charged £10 per card.
Foreign currency purchases	For every £5 you spend on purchases in sterling you earn the right to spend £1 on purchases in a non sterling currency without being charged commission. For non sterling currency purchases above this allowance a 2% commission fee will be charged. Visit the foreign transactions section of our website for full details.

Default charges
	Late/missed payment fee	£12.00
	Over limit fee	£12.00
	Returned item fee	£12.00

Select card

Nationwide Select Credit Card terms & conditions (Applications Post 15th May 2012)

Nationwide Select Credit Card terms & conditions (Applications between 16th January 2012 - 14 May 2012)

Nationwide Select Credit Card terms & conditions (Applications Pre 17th January 2012)

Representative Example:

12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable)

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 12.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 12 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%	n/a	27.9%	n/a
Balance transfers	0% p.a. for 20 months* on balance transfers	0.794%	1.527%	9.9%	19.9%
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3.1% (minimum £5.00).

Interest charging information	From	Until
Interest-free period	Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date. No interest-free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Purchases	date transaction applied to your account	statement balance total paid in full
Cash advances	date transaction applied to your account	statement balance total paid in full
Balance transfers	date transaction applied to your account	statement balance total paid in full
	The transaction date is the date the amount appears on your account.
Interest is calculated daily on the account balance. You will not pay interest on new purchases if you pay your balances in full and on time. Otherwise, the period over which interest is charged is as above
Allocation of payments	We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.
Minimum repayments	Any default charges and interest due on your statement plus 1% of the remaining statement balance, or £25, whichever is the greater. Balances of less than £25 must be paid in full.
Amount of credit	Minimum credit limit	£500
Amount of credit	Maximum credit limit	subject to status.
Fees	No annual fee.
Charges
Cash advances	2.5% handling fee, minimum £3.00
Balance transfers	3.1% handling fee, minimum £5.00 is payable on each balance transfer
Copies of statements	£5 for one copy and £10 for two or more copy statements, unless we tell you that a charge is not payable.
Card replacement	If any card on your account is lost, stolen or damaged, we will replace it free of charge twice in a 12 month period. For each and every replacement card issued after that in this period you will be charged £10 per card.
Foreign currency purchases	No charge.

Default charges
	Late/missed payment fee	£12.00
	Over limit fee	£12.00
	Returned payment fee	£12.00

Gold card

Gold, Classic and Reward cards terms & conditions

Please note that if we wrote to you after April 2011 to inform you of an APR change, the Credit Card Agreement section of the terms and conditions does not apply to your account. Should you need a copy of your Credit Card Agreement, then please contact us.

Withdrawn to new business on 22/02/11

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 16.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 3 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%	n/a	27.9%	n/a
Balance transfers	0% p.a. for 15 months* on balances transfers	0.794%	1.527%	9.9%	19.9%
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3% (minimum £5.00).

Interest charging information	From	Until
Interest free period	Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date. No interest free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Purchases	date transaction applied to your account	statement balance total paid in full
Cash advances	date transaction applied to your account	statement balance total paid in full
Balance transfers	date transaction applied to your account	statement balance total paid in full
	The transaction date is the date the amount appears on your account.
Interest is calculated daily on the account balance. You will not pay interest on new purchases if you pay your balances in full and on time. Otherwise, the period over which interest is charged is as above:
Allocation of payments	We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.
Minimum repayments	3% or £5 whichever is the higher.
Amount of credit	Minimum credit limit	£500
Amount of credit	maximum credit limit	Subject to status.
Fees	No annual fee.
Charges
Cash advances	2.5% handling fee, minimum £3.00
Balance transfers	3% handling fee, minimum £5.00 is payable on each balance transfer
Copies of statements	£5 for one copy and £10 for two or more copy statements, unless we tell you that a charge is not payable.
Card replacement	If any card on your account is lost, stolen or damaged, we will replace it free of charge twice in a 12 month period. For each and every replacement card issued after that in this period you will be charged £10 per card.
Third party foreign currency charges	We pass on a charge of 1% of the transaction amount which is made by a third party for converting transactions made in foreign currencies outside the Visa Europe region. This charge will be included in the sterling amount which appears on your statement. For details of the countries affected please see our A-Z list of countries

Default charges
	Late/missed payment fee		£12.00
	Over limit fee		£12.00
	Returned item fee		£12.00

Classic card

Gold, Classic and Reward cards terms & conditions

Withdrawn to new business on 22/02/11

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 19.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 3 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%	n/a	27.9%	n/a
Balance transfers	0% p.a. for 15 months* on balances transfers	0.794%	1.527%	9.9%	19.9%
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3% (minimum £5.00).

Interest charging information	From	Until
Interest free period	Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date. No interest free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Purchases	date transaction applied to your account	statement balance total paid in full
Cash advances	date transaction applied to your account	statement balance total paid in full
Balance transfers	date transaction applied to your account	statement balance total paid in full
	The transaction date is the date the amount appears on your account.
Interest is calculated daily on the account balance. You will not pay interest on new purchases if you pay your balances in full and on time. Otherwise, the period over which interest is charged is as above:
Allocation of payments	We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.
Minimum repayments	3% or £5 whichever is the higher.
Amount of credit	Minimum credit limit	£500
Amount of credit	maximum credit limit	Subject to status.
Fees	No annual fee.
Charges
Cash advances	2.5% handling fee, minimum £3.00
Balance transfers	3% handling fee, minimum £5.00 is payable on each balance transfer
Copies of statements	£5 for one copy and £10 for two or more copy statements, unless we tell you that a charge is not payable.
Card replacement	If any card on your account is lost, stolen or damaged, we will replace it free of charge twice in a 12 month period. For each and every replacement card issued after that in this period you will be charged £10 per card.
Third party foreign currency charges	We pass on a charge of 1% of the transaction amount which is made by a third party for converting transactions made in foreign currencies outside the Visa Europe region. This charge will be included in the sterling amount which appears on your statement. For details of the countries affected please see our A-Z list of countries

Default charges
	Late/missed payment fee		£12.00
	Over limit fee		£12.00
	Returned item fee		£12.00

Reward card

Gold, Classic and Reward cards terms & conditions

Withdrawn to new business on 11/01/06

Summary Box

Interest rates	Introductory rate	Monthly rate		Annual rate
APR	Representative 17.9% APR (variable). Other rates from 9.9% to 19.9% APR apply depending on individual circumstances.
		from	to	from	to
Purchases	0% p.a. for 3 months* on purchases	0.794%	1.527%	9.9%	19.9%
Cash advances	n/a	2.075%	n/a	27.9%	n/a
Balance transfers	0% p.a. for 15 months* on balances transfers	0.794%	1.527%	9.9%	19.9%
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 3% (minimum £5.00).

Interest charging information	From	Until
Interest free period	Maximum 46 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date. No interest free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Purchases	date transaction applied to your account	statement balance total paid in full
Cash advances	date transaction applied to your account	statement balance total paid in full
Balance transfers	date transaction applied to your account	statement balance total paid in full
	The transaction date is the date the amount appears on your account.
Interest is calculated daily on the account balance. You will not pay interest on new purchases if you pay your balances in full and on time. Otherwise, the period over which interest is charged is as above:
Allocation of payments	We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.
Minimum repayments	3% or £5 whichever is the higher.
Amount of credit	Minimum credit limit	£500
Amount of credit	maximum credit limit	Subject to status.
Fees	No annual fee.
Charges
Cash advances	2.5% handling fee, minimum £3.00
Balance transfers	3% handling fee, minimum £5.00 is payable on each balance transfer
Copies of statements	£5 for one copy and £10 for two or more copy statements, unless we tell you that a charge is not payable.
Card replacement	If any card on your account is lost, stolen or damaged, we will replace it free of charge twice in a 12 month period. For each and every replacement card issued after that in this period you will be charged £10 per card.
Third party foreign currency charges	We pass on a charge of 1% of the transaction amount which is made by a third party for converting transactions made in foreign currencies outside the Visa Europe region. This charge will be included in the sterling amount which appears on your statement. For details of the countries affected please see our A-Z list of countries

Default charges
	Late/missed payment fee		£12.00
	Over limit fee		£12.00
	Returned item fee		£12.00

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