Credit Cards details

Your chosen card

To apply for this card

Go to the Bank of Scotland website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network MasterCard
  • Balance transfer fee 0.8%
  • Balance must be transferred within 90 days

Card features

Great for
The balance transfer fee is 0.8% for the first 90 days. After that it goes up to 3%
You may be eligible to apply for this card, even if you already have another Bank of Scotland card. Excludes Classic and Student card customers, conditions apply
But be aware that
At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
You must transfer a balance within the first 90 days to get the promotional offer
You can't transfer a balance from another card issued by Bank of Scotland

Is this card right for you?

To take this card you

  • Must be aged 18 or over
  • Must be a UK resident
  • Must have a regular income
  • Must not be currently declared bankrupt, have any County Court Judgments against you or be subject to an Individual Voluntary Arrangement

Introductory interest rates

Rate Duration
Purchases 0% 12 months
Cash advances - -
Balance transfers 0% 32 months
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.456% 18.95%
Cash advances 1.456% 18.95%
Balance transfers 1.456% 18.95%
Cheque advances - -
Money transfers - -
Price for risk Yes


Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 2.95%
Foreign exchange non-EU 2.95%
Return payment £12
Copies of statements £5
Handling fee Min fee Max fee
Cash advances 3% £3 -
Cheque advances - - -
Balance transfers 0.8% - -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • The full balance if less than £5
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    If you don't pay your balance in full Bank of Scotland will allocate payments to balances with the highest interest rate before balances with lower interest rates. Refer to provider for full details.

Credit limit

Minimum credit limit -
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards No rewards

How your promotional rates will change

  • After 32 months, the rate on Balance Transfers will go from 0% to 18.95%.
  • After 12 months, the rate on Purchases will go from 0% to 18.95%.

Fees to be aware of

  • For a balance transfer, you'll be charged 0.8% of the balance you're transferring.

About Bank of Scotland

Bank of Scotland is the principal banking entity of the HBOS Group; a subsidiary of the Lloyds Banking Group. The Lloyds Banking Group is one of the country’s largest banks, with millions of customers across the UK. Bank of Scotland provides a wide range of products and services to personal and business customers. Its credit cards feature different balance transfer and purchase offers, to suit the requirements of different customers.

To apply for this card

Go to the Bank of Scotland website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.


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