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NewDay Limited Credit Cards

7 CARDS

NewDay Limited, a UK-based credit card issuer, specialises in credit services through retail and own-brand cards. Offering options like the NewDay John Lewis, Aqua, Marbles, and Bip cards, they focus on helping individuals with limited credit histories or those working to build or rebuild their credit scores.

NewDay Limited

John Lewis Partnership Credit Card

3.9

OUR RATING

Representative APR

28.9% APR (variable)

Purchases

28.94% (variable) p.a.

Balance Transfers

28.95% (variable) p.a. (5% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 28.94% (variable) p.a., most accepted customers get a rate of 28.9% APR (variable).

3.9

OUR RATING

Quick Look

The John Lewis credit card is a popular choice for frequent John Lewis and Waitrose shoppers. New customers earn double points for 60 days, followed by ongoing rewards on every £4 spent. Ideal for loyal customers looking to maximise everyday spending. You can check your eligibility online with no impact on your credit score.

Issuer NewDay Limited
Network Mastercard
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Get double points for 60 days when you open a John Lewis credit card, that’s 10 points for every £4 spent at John Lewis and Waitrose. After that, you’ll earn 5 points per £4 spent as standard. Terms and conditions apply.
Cashback rate (if applicable) Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. For every 500 points you collect, you will be sent a £5 voucher.
Account Fees £0
Purchases 28.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 28.95% (variable) p.a. (5% fee)
Balance Transfer Fee (%) 5.00%
Cash Advances 38.95% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NewDay Limited

marbles Mastercard

4.0

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

34.95% (variable) p.a.

Balance Transfers

34.95% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.95% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

4.0

OUR RATING

Quick Look

The Marbles credit card is designed for individuals looking to build or improve their credit history. It includes optional spending alerts, which can help users stay within their credit limit and manage their finances more responsibly.

Issuer NewDay Limited
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening Credit limit review after 3 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 34.95% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 34.95% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 39.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status: £1500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NewDay Limited

aqua Classic

4.1

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

34.95% (variable) p.a.

Balance Transfers

34.95% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.95% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

4.1

OUR RATING

Quick Look

The Aqua Classic credit card is designed for individuals looking to build or rebuild their credit history. It charges no annual fee and may suit those aiming to improve their credit score through responsible card use over time.

Issuer NewDay Limited
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening This card is for repairing credit. No annual fees
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 34.95% (variable) p.a.
Purchases Interest Free Period 48 days
Balance Transfers 34.95% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 44.95% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NewDay Limited

Bip Credit Card

4.1

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

34.95% (variable) p.a.

Balance Transfers

34.95% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.9% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

4.1

OUR RATING

Quick Look

The Bip credit card stands out for having no annual fees, no late payment or over-limit charges, and no foreign transaction fees when used abroad. It may suit users looking for a digital first credit builder card with minimal extra costs.

Issuer NewDay Limited
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening No annual charges, no late payment or over-limit fees, and no extra charges for using it abroad. Digital card only.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 34.95% (variable) p.a.
Purchases Interest Free Period 48 days
Balance Transfers 34.95% (variable) p.a.
Balance Transfer Fee (%) 0.00%
Cash Advances 34.95% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status: £1,200

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NewDay Limited

Fluid Mastercard

3.7

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

34.94% (variable) p.a.

Balance Transfers

0% for 9 months, then 34.94% (variable) p.a. (3% fee for 60 days)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.7

OUR RATING

Quick Look

The Fluid Mastercard, issued by NewDay, offers 0% interest on balance transfers for the first 9 months with a representative APR of 34.9% variable. It may suit individuals looking for short-term relief on existing credit card debt provided the balance is cleared within the introductory period.

Issuer NewDay Limited
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on balance transfers for 9 months from account opening. Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 34.94% (variable) p.a.
Purchases Interest Free Period 48 days
Balance Transfers 0% for 9 months, then 34.94% (variable) p.a. (3% fee for 60 days)
Balance Transfer Fee (%) 5.00%
Cash Advances 44.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status: £4,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NewDay Limited

Opus

3.8

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

39.95% (variable) p.a.

Balance Transfers

39.95% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 39.95% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.8

OUR RATING

Quick Look

Applications for an Opus credit card have now closed. However, the issuer, NewDay Limited, recommends Aqua UK Credit Cards as an alternative. There are two cards to choose from, both offering a starting credit limit between £250 and £1,500 and could also help improve your credit score. Alternatively, take a free eligibility check to see what other credit card options are a match to you.

Issuer NewDay Limited
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening No annual fees
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 39.95% (variable) p.a.
Purchases Interest Free Period 48 days
Balance Transfers 39.95% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 49.95% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status: £1500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

NewDay Limited

aqua Balance Transfer

3.5

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

34.95% (variable) p.a.

Balance Transfers

0% for 5 months then 34.95% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.95% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.5

OUR RATING

Quick Look

The Aqua Balance Transfer credit card offers 0% interest on balance transfers for up to five months, when transfers are made within the first 60 days of account opening. This short-term offer may appeal to those looking to manage smaller balances without paying interest, provided repayments are made in full before the promotional period ends.

Issuer NewDay Limited
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening This is a 0 interest for 5 months balance transfer card that also helps you build credit.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 34.95% (variable) p.a.
Purchases Interest Free Period 48 days
Balance Transfers 0% for 5 months then 34.95% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 44.95% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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