NewDay Limited Opus
Representative APR
34.9% APR (variable)
Purchases
39.95% (variable) p.a.
Balance Transfers
39.95% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 39.95% (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
Applications for an Opus credit card have now closed. However, the issuer, NewDay Limited, recommends Aqua UK Credit Cards as an alternative. There are two cards to choose from, both offering a starting credit limit between £250 and £1,500 and could also help improve your credit score. Alternatively, take a free eligibility check to see what other credit card options are a match to you.
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 | Opus are no longer accepting credit card applications. However, Opus is issued by Newday which offer several other options to choose from. |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 39.95% (variable) p.a. |
| Purchases Interest Free Period | 48 days |
| Balance Transfers | 39.95% (variable) p.a. (3% fee) |
| Balance Transfer Fee | 3.00% |
| Cash Advances | 49.95% (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 | Not accepting new applications |
|---|---|
| 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 who acts as a credit broker, not a lender.
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