Simplicity and flexibility

No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency

No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee).

No monthly fee

Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month. 

You’ll also get

Retailer Offers: Welcome offers – get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. 

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Retailer Offers: Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers. 

Online and Mobile Banking so that you can manage your account whenever, wherever 

Apple Pay, Android Pay and Samsung Pay so that you can pay at contactless terminals when you link your card to your device

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Up to 3 additional cards for family members at no extra cost (you'll be responsible for the use of and payments on the additional cards)

Representative example

Card purchases

18.9% p.a. (variable)

Representative APR

18.9% (variable)

Assumed credit limit


Please read the important information below before applying.

We offer a range of credit cards. Find out more

Important information

You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a gross annual income of £7,500 or more, have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years. You must agree to a credit check as part of the application and this will determine whether or not you’re accepted and the credit limit that we can offer. We reserve the right to refuse any application.

You can apply for this card if you don't already hold a Zero Credit Card.

Apple and iPhone are trademarks of Apple Inc. registered in the U.S. and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc. Android and Android Pay are trademarks of Google Inc. Samsung and Samsung Pay are trade marks or registered trade marks of Samsung Electronics Co. Ltd. Use only in accordance with the law. Samsung Pay is available on select Samsung devices.

Information correct as at 4 May 2017.