NewDay Limited Bip Credit Card
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).
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 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.
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 | The Bip Credit Card has no annual, late payment, or over-limit fees, and no charges for spending abroad. It’s fully digital, so you can manage everything easily from your phone. |
| 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. |
| 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 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 0 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 0% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 0.00% |
| Foreign Usage World | 0.00% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| 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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