Bank of Scotland: Low Rate Credit Card

Provider:Bank of Scotland
Card Name:Low Rate Credit Card
Networks available:Mastercard
Low Rate Credit Card
Rates & Fees
Introductory offers
Intro balance transfer rate6.45%
Intro balance transfer period6.45% for 3 months
Intro balance transfer fee0%
Intro purchase rate0%
Intro purchase periodno intro offer
Other rates and fees
Representative APR6.4% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals6.5%
Charges and payments
Charge on overseas spending2.95%
Charge on cash withdrawals3% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£12
Rewards & Benefits
Spending Rewards
Cashback Rewards-
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other IncentivesEveryday Offers - cashback offers available at participating retailers when the customer shops with their credit card (credit card customers must also hold a current account with the Bank) when the customer registers for Everyday Offers. Available to customers 18 and over, that are registered for online banking and hold a debit card and a credit card. Retailer offers and cashback amounts vary. Cashback will be paid to the customer's current account. It's on Us - as part of Everyday Offers, any customer registered for Everyday Offers will be entered into a monthly competition to have a debit or credit card transaction refunded up to the value of £500. Transactions will be selected at random and repaid to the current account at the end of the following month.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protection-
Internet fraud protectionShopping online safely: Every time the cardholder uses their card for online purchases with participating companies, they'll be asked to confirm the purchase by entering their unique password on a secure and completely confidential pop-up screen. Online Fraud Guarantee: If a customer of Bank of Scotland's online service is a victim of online fraud, BOS guarantee that they won't lose any money from their account, and will always be reimbursed in full.
Opening and managing the account
Application information
Minimum age18 years
Minimum income£0 per annum
Credit ratingPrime
Existing customers only-
Additional account required-
Apply onlineCheck
Maximum credit limit£0
Account services
Manage onlineCheck
Cheque bookCheck