NewDay Limited aqua Balance Transfer
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). Balance transfers must be made within the first 60 days
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).
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 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.
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 | NewDay Limited |
|---|---|
| Network | Mastercard |
| Primary Category | Balance Transfer |
| Loyalty Scheme | |
| Incentive on opening | The Aqua Balance Transfer Credit Card has no annual fee and offers 0% interest for up to 5 months on balance transfers made within the first 60 days. A 3% transfer fee applies. |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £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 transfers must be made within the first 60 days |
| Balance Transfer Fee | 3.00% |
| Cash Advances | 44.95% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 250.00 |
| Maximum Credit Limit | £1,500 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 5 |
| Replacement Card | £ 0 |
| Trace Fee | £ 20 |
| Cash Withdrawal Fee | 5% |
| Cash Withdrawal Minimum Charge | £ 4 |
| Foreign Usage EU | 3% |
| Foreign Usage World | 3% |
Application Requirements
| Availability | Available to new customers. Must not have an Aqua card and haven’t have taken out an Aqua, marbles, opus or Fluid card in the past 12 months. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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