| APR |
Representative
17.9% APR
(variable)
Other rates from 17.9% to 19.9% APR apply depending on individual circumstances. |
| Interest rates |
Introductory rates |
Monthly rate |
Annual rate |
| from |
to |
from |
to |
| Purchases |
0% p.a. for 12 months on purchases* |
1.385% |
1.527% |
17.9% |
19.9% |
Cash withdrawals
|
n/a
|
1.385% |
1.527% |
17.9% |
19.9% |
| Balance transfers |
0% p.a. for 12 months** on balance transfers
|
1.385%
|
1.527% |
17.9% |
19.9% |
| Balance transfer fee |
No balance transfer fee for the first 3 months after account opening, after which it will revert to 2.4% (minimum £5) |
|
*Introductory purchase rate applies from the date the account is opened.
**Introductory rate applies from the date the balance transfer is applied to the account. Balance transfers at 0% with no fee must be made within 3 months of account opening, each transfer after this time will be subject to a 2.4% (minimum £5) fee, and your standard interest rate.
Nationwide reserves the right to withdraw, vary or extend these offers at any time. If you already hold a Nationwide credit card or have closed one in the last 12 months you will not be eligible for the introductory offers.
|
Interest-free period
|
- Maximum 56 days for purchases if you pay the total of all non-promotional balances on your statement 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.
|
| Interest charging information |
From |
Until |
| Purchases |
date transaction applied to your account
|
statement balance, excluding any promotional balance transfers, paid in full |
| Cash withdrawals |
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 |
|
We work out interest on the average daily balance during each statement period. You will not pay interest on new purchases if you pay your statement balance, excluding any promotional balance transfers in full and on time. Otherwise, the period over which interest is charged is as above. The transaction date is the date the amount appears on your account.
|
| Allocation of payments |
We allocate payments to balances which show on your current statement in a high to low interest rate order, then, to balances in a high to low interest rate order which do not yet appear on your statement.
|
| Minimum payments |
- 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.
If you only make the minimum payment each month, it will take you longer and cost you more in interest to repay your debt.
|
| Credit limit |
Minimum credit limit
|
£500 |
| Maximum credit limit |
Subject to status |
| Fees |
No annual fee |
| Cash fee |
2.5% (minimum £3.00) of the amount withdrawn on each cash advance.
|
| Balance transfer fee |
2.4% (minimum £5.00) of the amount of each balance transfer.
|
| Copies of statements |
There are no fees for additional copies of statements
|
| Card replacement |
There are no fees for replacement cards
|
| Foreign usage |
Visa Exchange Rate
|
Rates can be found at Visa Europe exchange rate |
Cash Fee
|
2.5% (min £3.00) of the amount withdrawn on each cash advance
|
| Late payment fee |
£12.00 |
| Over limit fee |
£0 |