bmi Credit Card
Independent review with up to date rates, fees and special offers for this card...
- Earn destination miles on all your spending
- 20,000 bonus destination miles available
- Double miles when you fly with bmi
MBNA credit card review: bmi
OUR editors are currently reviewing the bmi credit card.
| Interest Rates and Fees |
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Notes.. |
| Typical APR |
16.9% APR (variable) |
16.9% APR - 24.9% APR. The rate you receive will depend upon an assessment of your circumstances and credit history.
The typical APR is the rate most people are offered. |
| Introductory Purchases |
0% for 3 months |
Payments will be applied towards 0% purchases before 0% balance transfers. However, once the 0% purchase period ends, payments will be applied first towards 0% balance transfers. After the introductory period purchases will be charged at the standard rate of 16.9% - 24.9% p.a. |
| Balance Transfers |
0% for 12 months
Includes transfers to a current account (4% fee) |
Must be made within 90 days of account opening to qualify.
Also includes money transfers to a current account, but with a 4% handling fee.
Payments are applied towards 0% purchases before 0% balance transfers, but when the 0% purchase period ends payments will be applied towards 0% balance transfers before standard rate purchases.
After the 0% balance transfer period ends, balance transfers are charged at the standard rate of 18.9% - 26.9% p.a. and money transfers are charged at the standard rate of 20.9% - 27.9% p.a. |
| Balance Transfer Fee |
3%
(£3 minimum) |
This fee applies to balance transfers. Money transfers will be charged a 4% fee. |
| Cash Withdrawal Rate |
27.9% p.a. (variable) |
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| Cash Withdrawal Fee |
3%
(£3 minimum) |
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| Annual Fee |
None |
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| Foreign Transaction Fee |
2.75% |
This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.
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| Rewards |
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Notes.. |
| Reward #1 |
bmi destination miles |
Earn 1.5 miles for each £1
Automatic Diamond Club membership when you sign up.
bmi destination miles can be used towards bmi and partner airline flights, car hire, hotel accommodation and gifts.
Airlines include:
- bmi
- Star Alliance
- bmibaby
- Virgin Atlantic
- Qatar Airways
- Transaero Airlines |
| Reward #2 |
Double destination miles with bmi |
Earn double destination miles when you buy bmi flights at flybmi.com
- 3 destinations mile for every £1 spent.
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| Reward #3 |
20,000 bonus destination miles |
Get 20,000 bonus destination miles when you spend £250 in purchases within 90 days.
That's enough miles for a return flight to Italy, Spain or many other destinations.
The bonus destination miles will be credited to your account up to 56 days you reach your qualifying spend level. |
| Cardholder Services & Extras |
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| Online Account Management |
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You can log in to a website and manage your MBNA bmi credit card account online.
Optional paperless statements. |
| Fraud Guarantee |
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There is no liability or excess to pay for theft, loss or fraudulent use online or on the high street, as long as you notify MBNA as soon as your card cannot be found or you notice any unsual transactions on your account. |
| Fraud Monitoring |
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Fraud Warning System
MBNA will monitor your account for any suspicious activity. They also offer a purchase disputes team and a 24/7 365 helpline. |
| Identity Protection |
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MBNA do offer a Identity Theft Protection Scheme, which is a free booklet offering advice on how to protect yourself from ID theft. |
| Purchase Protection Insurance |
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| Purchase Delivery Insurance |
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| Comprehensive Travel Insurance |
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| Travel Accident Insurance |
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| Travel Inconvenience Insurance |
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| Assistance Abroad |
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| Emergency Card Replacement |
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| Airport Lounge Access |
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This service is available on higher tiers of the Diamond Club - it won't automatically be available as soon as you join.
You'll be able to move up through the membership tiers by earning status miles which are awarded for flying with bmi and Star Alliance member airlines. |
| Priority Check-In |
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This service is available on higher tiers of the Diamond Club - it won't automatically be available as soon as you join.
You'll be able to move up through the membership tiers by earning status miles which are awarded for flying with bmi and Star Alliance member airlines. |
| Other Extras |
- 24 hour UK based customer services
- Up to 3 additional cardholders free. |
| Optional Extras |
These are extras that you can choose, but you will have to pay for them.
- Payment protection
- Card protection
- Identity protection alert. |
| Payments & Payment Details |
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Notes.. |
| Credit Limit |
£1,500 assumed |
Credit limit subject to status. |
| Interest Free Period |
Up to 50 days |
For purchases if you pay your statement balance in full and on time every month. There is no interest free period for balance transfers, money transfers or cash advances - except for those within an interest free promotional offer. |
| Minimum Monthly Payment |
1%
(£25 minimum) |
If your balance is less than £25 you must repay your balance in full. Otherwise, you must repay the greater of:
- £25, OR
- 1% of your statement balance before any default charges and interest, plus any default charges and interest on the statement. |
| Allocation of Payments |
Low interest rate balances » Higher interest rate balances |
Where there are two or more balances at the same promotional rate they will repaid in the following order:
- The one which expires first, Then
- If the expiry dates are the same - the one which started first, Then
- If the expiry and start dates are the same - the one with the lowest standard rate. |
| Default Charges |
£12 |
This is how much you will be charged for late payments, returned payments and if you go over your credit limit. |
| Card Details |
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Notes.. |
| Online Application |
Yes |
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| Card Type |
Classic |
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| Payment Company |
American Express |
The company who provides the payment technology and infrastructure to allow you to use this credit card.
Retailers and ATM machines displaying the 'American Express' logo will accept this credit card. |
| Card Issuer |
MBNA |
The bank who issues this credit card. |
| Card Advertiser |
MBNA
bmi |
The company who advertises and promotes this credit card. |
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At a glance
Typical APR:
(variable) |
16.9% APR |
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| Purchases: |
0% for 3 months |
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16.9% p.a. thereafter |
| Balance Transfers: |
0% for 12 months
Includes transfers to a current account (4% fee) |
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3% transfer fee - £3 min |
| Interest Free Period: |
Up to 50 days |
| Annual Fee: |
£0 |
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Rewards:
- bmi destination miles
- Double destination miles with bmi
- 20,000 bonus destination miles
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This card includes:
| Online Account Management |
| Fraud Security |
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| You should only apply if you are: |
- Aged 23 or over
- UK resident for at least 2 years
- Hold a UK bank or building society account
- Currently employed
- Are a homeowner
- Earn at least £20,000 per year
- Have no recent credit defaults (CCJ's, current arrears or missed payments) on credit cards, loans or mortgages
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Review Continued...
Apply Online for bmi credit card »
MBNA Europe Bank Limited
Stansfield House
Chester Business Park
Chester
CH4 9QQ
www.mbna.co.uk
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