Rates and Fees - Gold Mastercard
Not currently available for new applicants.
The information below summarises key product features and is not intended to replace any terms and conditions.
Please note Government duty of €30 per annum is payable on credit cards.
| Gold MasterCard APRs and other rates | |||
|---|---|---|---|
| Type of transaction | Rate we charge each month | Annual Rate | Representative APR |
| Purchases | 1.167% (variable) | 14.004% | 17.1% (variable) |
| Balance Transfers | 1.167% (variable) | 14.004% | |
| Cash Advances | 1.608% (variable) | 19.296% | |
- APR is inclusive of Government Stamp Duty (Currently €30).
- The total amount of credit provided is €3,000.
- The total amount you will have to repay is €3232.40
- You repay in 12 equal monthly repayments of €269.37
Interest-free period
Maximum 56 days for purchases if you pay your balance in full and on time, and you have repaid your previous month's balance in full and on time.
There is no interest free period on cash advances or balance transfers.
Allocation of payments
If you do not pay off your balance in full when you make a payment it will be used to pay off any special offer, balance transfer or promotional offers before any cash withdrawals or standard rate purchases. See terms and conditions for full details.
Minimum repayment
3% or €5, whichever is more.
Fees
Cash advances: handling fee 1.5%, minimum €2.54.
Foreign-currency transactions: administration fee 2%.
If your payment is late: €8.50.
If you go over your credit limit: €8.50.
If you require an additional copy of your statement: €2
If your payment is returned for want of funds: €7
The YourPoints programme is not currently available on this product.