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SAGA PLATINUM CREDIT CARD
Saga Platinum Credit Card (Credit Card)Visa Card
        
Saga Platinum provides you with many features that you would want from a quality credit card including, 0% foreign currency fee, 0% on purchases and balance transfers for the first nine months and a secure online account management service. You must be over the age of 50 years old to apply.
Advantages
1. 0% on purchases for the first 9 months* – You can spread the cost of your spending over the first 9 months with our introductory 0% interest rate on purchases.
2. 0% on Balance Transfers for the first 9 months* (a 3% Fee applies) – You could save money straightaway by transferring any balances you have on other higher rate credit cards and store cards to your Saga Platinum credit card.
3. 0% Foreign Currency Fees are applied to transactions – When you travel, Saga Platinum can help you make the most of your activities whether you are dining out, settling your hotel bill, or just shopping. Use your card to pay for goods and services and you’ll benefit from no foreign currency fee on transactions.
4. Representative 11.9% APR (variable) – With average UK credit card typical APR rates at more than 16% and unsecured loans at more than 13% APR (Source: Bank of England) the Saga Platinum credit card offers value at just representative 11.9% APR (variable).
Disadvantages
1. 3% Fee applies to balance transfers
2. Introductory Rate is charged for the first nine months on purchases and Balance Transfers from the date the Account is opened. At the end of this period the Introductory Rate reverts to the Standard Interest Rate applicable to the product at the time. A Balance Transfer Fee of 3% applies
Acceptance Criteria
1. Do you have a permanent United Kingdom address and bank account?
2. Are you 50 years of age or over?
3. Do you have a good credit history?
4. Do you have an income £12,000 or more per annum?
Services
Chip & Pin: YesRebuild Credit: No
Costs, Rates & Fees
Representative APR: 11.9%
Representative Example:
If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 11.3% variable, (Representative 11.9% APR variable), the total amount you will pay back is £1,274.69.
Balance Tranfer Rate: 0%Balance Tranfer Period: 9 Months
New Purchase Rate: 0%New Purchase Period: 9 Months
        

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