MBNA Limited Platinum Visa
Representative APR
13.9% APR (variable)
Purchases
13.94% (variable) p.a.
Balance Transfers
13.94% (variable) p.a. (0% fee for 90 days)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 13.94% (variable) p.a., most accepted customers get a rate of 13.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The MBNA Platinum Visa credit card offers a straightforward cashback scheme with a low representative APR of 13.9% variable and no annual fees. It is suitable for individuals seeking a simple rewards card with manageable borrowing costs.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | MBNA Limited |
|---|---|
| Network | Mastercard |
| Primary Category | Cashback |
| Loyalty Scheme | Cashback |
| Incentive on opening | Earn 0.25% cashback on purchases within the first 36 months of account opening |
| Cashback/Rewards (if applicable) | 0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit. |
| Account Fee | £0 |
| Purchases | 13.94% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 13.94% (variable) p.a. (0% fee for 90 days) |
| Balance Transfer Fee | 5.00% |
| Cash Advances | 13.94% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 0.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 5.00% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 3% |
| Foreign Usage World | 3% |
Application Requirements
| Availability | Available to new customers. Must hold a UK bank/building society account. |
|---|---|
| Minimum Income | £ 14,000 |
| Minimum Age | 18 |
| Residency | Must hold permanent UK address for 3 years. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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