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. 

These are for one use only and you must switch on Retailer Offers within 60 days of activating your new credit card. Once you've switched on Retailer Offers, or if you're already registered, the welcome offers will be available within 14 days.


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

Excludes ATM only cash cards, Visa Top-up Debit Card and Business VISA Electron Card. Retailer limits may apply.


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 purchases18.9% p.a. (variable)
Representative APR18.9% (variable)
Assumed credit limit£1,200

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. We will conduct 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 Google Pay are trademarks of Google LLC. 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.