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Gold & Platinum

MBNA Platinum

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Introductory Offer
Balance Transfer Rate:	0% p.a. until Jan 2010
Balance Transfer Fee:	2.90%
Purchase Rate:	0% p.a. until Mar 2009
Typical APR
Purchases:	15.9% p.a.
Balance Transfers:	15.9% p.a.
Cash Advance:	24.9% p.a.
Standard Features
Credit Limit:	£50,000
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of the UK Any Income Considered

Amex Platinum

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Earn up to £200 per month Cash back when you use this card!

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Typical APR
Purchases:	18.9% p.a.
Balance Transfers:	18.9% p.a.
Cash Advance:	22.9% p.a.
Standard Features
Credit Limit:	£50,000
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Cashback
Introductory Cashback Rate:	5% 3 mths
Standard Cashback Rate:	1.50%
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of the UK You have a bank or building society account You have a Household income of over £20,000.pa

Credit Card Benefits

Purchase Protection: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase.
Refund Protection: Up to £200 per eligible item and £750 for every 365 day period.

Credit Card Cashback

Get 5% Cash Back on all spend 1st 3 months (Max £200 per month)
Spend up to £3,500 per year and get 0.5% cash back
Spend from £3,501 to £10,000 per year and get 1% cash back
Spend over £10,001 per year and get 1.5% cash back

Lloyds TSB Platinum

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Introductory Offer
Balance Transfer Rate:	0% p.a. for 14 mths
Balance Transfer Fee:	3%
Purchase Rate:	0% p.a. 3 mths
Typical APR
Purchases:	15.9% p.a.
Balance Transfers:	15.9% p.a.
Cash Advance:	27.9% p.a.
Standard Features
Credit Limit:	£50,000
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of the UK You have a bank or building society account You have an income over £15,000 p.a

Gold & Platinum Credit Cards Explained

What are Gold & Platinum Credit Cards?

Gold and Platinum credit cards are the very best of premium credit card usage, providing smart credit card users with a variety of benefits usually not available to lower end credit card holders.

Some people associate Silver, Gold and Platinum credit cards with wealth, providing the holder with a certain prestigious image. The reality nowadays is that most people with a good credit rating can qualify for either of these cards, with the required minimum income ranging from £10,000+, some stating that any income is considered.

What features are available with these cards?

Many of these cards offer excellent Introductory bonuses, such as 0% on balance transfers for 14 months with a 2.9% transfer fee and 0% on purchases for 3 months.
Gold and Platinum credit cards tend to offer more generous credit limits, as well as a range of loyalty schemes such as rewards, points, cashback against each purchase and discounts at selected retailers.

Who can apply for one of these credit cards?

The majority of these cards require good credit history, with an income of at least £20,000. However, some gold and platinum credit cards only require you to be over the age of 18, have a good credit history and a permanent residence in the UK.

See our range of Gold & Platinum Credit Cards

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