NewDay Limited Fluid Mastercard

3.7

OUR RATING
Representative APR

34.9% APR (variable)

Purchases

34.94% (variable) p.a.

Balance Transfers

0% for 9 months, then 34.94% (variable) p.a. (3% fee for 60 days)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.7

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 Fluid Mastercard, issued by NewDay, offers 0% interest on balance transfers for the first 9 months with a representative APR of 34.9% variable. It may suit individuals looking for short-term relief on existing credit card debt provided the balance is cleared within the introductory period.
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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 0% interest on balance transfers for 9 months from account opening. Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers.
Cashback/Rewards (if applicable) No cashback scheme
Account Fee £0
Purchases 34.94% (variable) p.a.
Purchases Interest Free Period 48 days
Balance Transfers 0% for 9 months, then 34.94% (variable) p.a. (3% fee for 60 days)
Balance Transfer Fee 5.00%
Cash Advances 44.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status: £4,000

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 be employed or self-employed and must not have been declared bankrupt in the past 18 months or received a CCJ in the past year.
Minimum Income £ 5,000
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 and is acting as a credit broker, not a lender.

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