NewDay Limited Fluid Mastercard
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).
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.
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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