Rates and Fees - Zinc card
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.
| Zinc card APRs and other rates | |||
|---|---|---|---|
| Type of transaction | Introductory rate | Annual rate | Representative APR |
| Purchases | 0% (fixed) for 6 months from date account opened | 14.880% | 17.3% (variable) |
| Cash advances | Not applicable | 19.296% | |
| Balance transfers | 3.9% (fixed) for 12 months from date account opened | 14.880% | |
- APR is inclusive of Government Stamp Duty (Currently €30).
- The total amount of credit provided is €5,000.
- The total amount you will have to repay is €5,412.12.
- You repay in 12 equal monthly repayments of €451.01.
(NOTE: No annual fee applies. Minimum monthly repayments are just f5 or 3% of your balance, whichever is the greater.)
| Zinc card monthly rates | ||
|---|---|---|
| Type of transaction | Introductory rate | Monthly rate |
| Purchases | 0% (fixed) for 6 months from date account opened | 1.385% (variable) |
| Cash advances | Not applicable | 1.608% (variable) |
| Balance transfers | 3.9% (fixed) for 12 months from date account opened | 1.385% (variable) |
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.