You’ll find detailed information about our charges and interest rates in the White Card Summary Box or the Black Card Summary Box before you apply.

Remember, if you've chosen our balance transfer card, you'll be charged the balance transfer rate on any balance you transfer to us during your promotional period, until your promotional period runs out*. After that, you’ll be charged the typical APR on any of the balance still outstanding. On purchases and cash transactions made with your card, you'll be charged the typical APR from day one. APR stands for Annual Percentage Rate, basically the amount of interest you’ll be charged on your borrowing over a year. If you don't pay your balance off in full we'll use what you do pay towards paying off items that have the lowest rate of interest first, then we'll use anything that's left to pay off items on a higher rate of interest. It's particularly handy to know this if you've transferred a balance to your card then you use your card for purchases and cash.

*There is a handling fee. See the White Card Summary Box or the Black Card Summary Box for full details or give us a call if you're unsure.