Apply for a Platinum Credit Card


Platinum Credit Card

Important information - read this before you apply

  • Representative 17.9% APR (variable)
  • We use your application details and information obtained from credit reference agencies to decide the APRs we offer to individual customers. At least 51% of our customers offered a credit card will receive our representative 17.9% APR (variable). For other customers the effective rates for purchases, balance transfers and money transfers will all either be 18.9%, 19.9% or 20.9%
  • Please ensure you have read about our Platinum Credit Card and understand the rates and fees and important information associated with this credit card.
  • You will be offered optional Card Protection Plus cover when you apply. Please read Keyfacts about our Insurance Services, Policy Summary and Terms and Conditions (PDF 289KB)
    Find out more about Card Protection Plus.

Royalties customer?

Royalties and Royalties Gold customers will get an initial 1% discount on their APR for at least 12 months. Rates variable. Monthly fee for Royalties Gold account is £12.95. Monthly fee for Royalties account is £6.95. To take advantage of this apply online using your online banking details or call us on 0800 072 1999 (Minicom 0800 028 5304). Calls may be recorded. If you apply by phone, be aware that a different offer could be available.



Final checklist

Before you apply make sure:

  • You have an income of over £10k p.a.
  • You are aged 18 or over
  • You are a UK resident
  • You know your income, employer’s name and employer’s address
  • You have your last three years address details
  • You have not already applied for this card within the last six months.