Gold MasterCard - Rates and fees
Enjoy 3.9% (fixed) interest for 12 months on your balance transfers and pay 0% (fixed) on purchases for 6 months, from account opening. Thereafter the standard annual rate for balance transfers and purchases will be 16.9% p.a (variable).
The information in the representative example summarises key product features and is not intended to replace any terms and conditions.
Please note Government duty of €30 per annum is payable on credit cards.
Representative Example
| Gold MasterCard APR and other rates | |||||
|---|---|---|---|---|---|
| APR | Representative 19.2% APR* (variable) | ||||
| Interest rates | Introductory rate | Monthly GoTo Rate | Annual GoTo Rates | ||
| Simple | Effective | ||||
| Purchases | 0% (fixed) for 6 months from account opening | 1.313% (variable) | 15.756% (variable) | 16.9% (variable) | |
| Cash advances | N/A | 1.608% (variable) | 19.296% (variable) | 21.1% (variable) | |
| Balance transfers | 3.9% (fixed) for 12 months from account opening | 1.313% (variable) | 15.756% (variable) | 16.9% (variable) | |
- APR is based on Purchases and is inclusive of Government Stamp Duty (Currently €30).
- The total amount of credit provided is €3,000.
- The total amount you will have to repay is €3,286.04
- You repay in 12 equal capital repayment of €250
- You also pay €256.04 in interest in total across 12 months
Allocation of payments
If you do not pay off your balance in full when you make a payment it will be used to pay off any special offer, balance transfer or promotional offers before any cash withdrawals or standard rate purchases. See terms and conditions for full details.
Minimum repayment
3% of outstanding balance or €5, whichever is more.
Fees
Cash advances: handling fee 1.5%, minimum €2.54.
Foreign-currency transactions: administration fee 2%.
If your payment is late: €8.50.
If you go over your credit limit: €8.50.
If you require an additional copy of your statement: €2.
If your payment is returned for want of funds: €7.
