Who can apply? - You could apply for our Classic MasterCard online today and take advantage of our great 3.9% (fixed) balance transfer offer. You must be aged over 18 to apply.

Purchases and balance transfers - You'll pay 3.9% (fixed) interest on your balance transfers for 12 months from account opening. Thereafter the standard annual rate for balance transfers will be 17.9% p.a (variable).

And for 3 months from account opening you could also pay 0% (fixed) on your purchases. Thereafter the standard annual rate for purchases will be 17.9% p.a (variable).

Representative 22.7% (variable) APR

We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit

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. There is no interest free period on cash advances or balance transfers.

Control your credit card online - 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 cardholder for free - you can add your spouse, partner or close friend to your credit card so they can enjoy the benefits.