Who can apply? - You could apply for our Classic MasterCard online today and take advantage of our great 3.95% p.a (fixed) balance transfer offer.

You must be aged over 18 to apply.

Purchases and balance transfers - You'll pay 3.95% p.a (fixed) interest on your balance transfers for 12 months from account opening. Thereafter the standard annual rate for balance transfers will be 18.94% p.a (variable).

And for 3 months from account opening you could also pay 0% p.a (fixed) on your purchases. Thereafter the standard annual rate for purchases will be 18.94% p.a (variable).

There's just a 2.9% fee when you transfer a balance, with a minimum of £3.

Transfer up to a limit of 95% of your credit limit - Balance transfers are limited to 95% of the credit limit so, if your new Classic MasterCard has a limit of £2000, you could switch up to £1900.

Interest-free credit - Up to 56 days interest-free credit on purchases if you pay the balance in full and on time and have paid the previous month's balance in full and on time.

If you apply by phone please be aware that a different offer could be available.

Read the rates and fees for more information

Manage your credit card your way - check your balance whenever suits you through our Anytime Internet and Telephone Banking or with our mobile banking apps.

Pay by Direct Debit - Why worry about late payments? You can settle the balance in full or make the minimum payment.

Flexible credit limits - Need a little bit of breathing space for your finances? After six months you can ask us to review your credit limit.

Add a card holder - you can add your spouse, partner or close friend to your credit card so they can enjoy the benefits.