NewDay Limited Bip Credit Card

4.1

OUR RATING

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).

4.1

OUR RATING

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	No annual charges, no late payment or over-limit fees, and no extra charges for using it abroad. Digital card only.
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%