NewDay Limited aqua Credit Builder
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
A credit builder card with a maximum limit of £1500. No annual fees.
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 building 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 | Subject To Status; £1500 |
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. You must not already have an Aqua card and haven’t have taken out an Aqua, marbles, opus or Fluid card in the past 12 months. You also must not have received a County Court Judgement (CCJ) in the past 12 months. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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26.5% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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