0% balance transfers for 17 months (2% fee)
Refund offer reduces fee to 1.6% equivalent
0% purchases for 3 months
Cardholder insurances and Barclaycard Freedom
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Barclaycard Platinum Low Fee Balance Transfer credit card
Available to those who are:
- Want some time out from paying interest on your balance transfer
- Have a excellent credit rating
- Have no history of bankruptcy
- Have no CCJ's or IVAs in the past 5 years
- Please check the full criteria before applying.
| Representative Example: 18.9% p.a. variable on purchases. This is equivalent to 18.9% APR representative variable based on a credit limit of £1,200. Barclays Bank PLC. Registered Office: 1 Churchill Place, London E14 5HP |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 0% for 3 months 18.9% p.a. variable thereafter |
0% for 17 months 18.9% p.a. variable thereafter 2% transfer fee Must be transferred within 60 days Refund offer reduces fee to 1.6% |
Barclaycard Freedom Barclaycard Travel Service discounts Barclaycard Unwind |
Online Account Management Fraud Guarantee Active Fraud Monitoring Verified by Visa Contactless Payments Purchase Delivery Insurance |
Further details
A closer look at the rates, rewards and services of this credit card.
Please ensure you read the full terms and conditions and the summary box on the provider's website before applying for any product.
Please see below for more important information relating to the content of this page.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Want some time out from paying interest on your balance transfer - Have a excellent credit rating - Have no history of bankruptcy - Have no CCJ's or IVAs in the past 5 years - Have a history of managing credit commitments well, i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage - Have always made payments on time - Don't already have a Barclaycard - Have a permanent UK address for 3 months or more - Have a regular income of more than £20,000 p.a. - Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income - Aged 21 or over |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 18.9% APR | Based on a £1,200 credit limit. |
| Introductory Purchases | 0% for 3 months | - |
| Introductory Balance Transfers | 0% for 17 months | Must be transferred within 60 days of account opening to qualify. The amount transferred cannot exceed 90% of your available credit limit. |
| Standard Purchases | 18.9% p.a. variable | - |
| Standard Balance Transfers | 18.9% p.a. variable | - |
| Standard Cash Advances | 27.9% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 2% | Refund offer reduces fee to 1.6% |
| Cash Advance fee | 2.5% (£2.5 min) | - |
| Foreign fee | 2.75% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £250 min | Credit limit is subject to status. |
| Interest free period | Up to 56 days | Maximum from date of transaction for purchases if you pay your balance in full and on time each month. No interest free period on cash advances or balance transfers (this is subject to any interest free promotional offer). |
| Minimum monthly payment | 2.25% (£5 min) | The greater of: - 2.25% of the amount owed on the monthly statement; - £5 (or the entire amount if less than £5); - any interest, account fees and default charges that have been added to the account since the last statement plus 1% of the remaining balance. |
| Allocation of payments | Payments will be allocated to reduce higher interest rate balances before lower interest rate balances. | |
Rewards and discounts
| Detail | |
|---|---|
| Barclaycard Freedom | Earn up to 1% in Reward Money on all your purchases with participating retailers. Reward Money can be redeemed towards future purchases at the checkout of any participating retailer. Barclaycard Freedom participating retailers include: - Shell: 0.5% (Earn only, no redemption) - Yo! Sushi - Pizza Express - npower (earn only) - LA fitness - and many others. |
| Barclaycard Travel Service discounts | Book your holiday through the Barclaycard Travel Service and get a discount of up to 7% or more with Thomas Cook and many other tour operators. Thomas Cook will also waive their standard 2.5% credit card booking fee for Barclaycard cardholders. |
| Barclaycard Unwind | Exclusive access to entertainment tickets, must-see gigs and one-off live sessions with Barclaycard Unwind. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
You can log in to the Barclaycard web site and manage the credit card account online. mybarclaycard service offers personalised charts and graphs to show what you've spent. |
| Fraud Guarantee | |
You won't be held liable for fraudulent use of your Barclaycard as long as you notify Barclaycard as soon as you become aware of it or notice anything suspicious on your account. |
| Fraud Monitoring | |
Barclaycard will look out for any unusual activity on your account and contact you to make sure it's not fraudulent. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
Verified by Visa An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. |
| Contactless Payments | |
Visa payWave Contactless payments for purchases of £15 or under. |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
Covers brand new goods bought with the Barclaycard credit card if they don't arrive or are delivered damage and you are unable to resolve the issue with the supplier. Covers goods bought online, over the telephone and in the high street if goods are delivered. |
| Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
Help when abroad arranging a local English speaking lawyer or doctor, arranging transport to get you home, an interpreter and sending messages home. |
| Emergency Card Replacement | |
Help when abroad with emergency card replacement and help with alternative ways of making payments. |
Please read the following notice:
This page is part of an advertisement of this product.
The information on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the content on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
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Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.
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