NewDay Limited aqua Classic
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).
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 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.
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 | Credit Building |
| Loyalty Scheme | |
| Incentive on opening | This card is for repairing credit. No annual fees |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £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 |
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 | 2.95% |
| Foreign Usage World | 2.95% |
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. |
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
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.
Lendable Ltd: Who they are, the products they offer, and customer reviews
Thimbl credit card review 2025: Features, eligibility and how it works
