Summary box

Summary Box - The information in this table summarises key product features and is not intended to replace any terms and conditions.

Rate BandABC
APRRepresentative 18.9% APR variable19.9% APR Variable24.9% APR Variable
Other Interest RatesMonthly RateAnnual RateMonthly RateAnnual RateMonthly RateAnnual Rate
Promotional Balance Transfer Rate (for 12 months from account opening on transfers made within 90 days of account opening)0%0%0%0%0%0%
Standard Purchases1.460%18.9%1.530%19.9%1.876%24.9%
Balance Transfer1.460%18.9%1.530%19.9%1.876%24.9%
Cash Advance1.740%22.9%1.740%22.9%2.045%27.4%
Interest Free PeriodUp to 50 days on Standard Purchases when you pay your balance in full every month by the due date. Any interest free period only applies to any other transactions notified to you by us.
Interest charging informationThe periods over which interest is charged are as follows:
Purchasestransaction daterepayment in full
Balance Transfersdate debited to your accountrepayment in full*
Cash Advancestransaction daterepayment in full*
Cash Advance Chequesdate debited to your accountrepayment in full*
*If you pay the balance in full, the Interest charge for the period from the previous Statement to the date of the full repayment will be debited the following month.
Allocation of paymentsWe will allocate your payments to pay balances relating to higher Interest rates first. Where fees and charges are payable your payment will be allocated to the Interest rate applicable to these fees and charges, again relating to the higher Interest rate first. See clause 7 of customer terms and conditions for full details.
Minimum repayment£5 or 3% of the balance, whichever is greater, each month.
Amount of creditMinimum Credit Limit of £100, maximum Credit Limit subject to status
Fees (variable)Annual fee: £nil (variable)
Charges (variable)Transaction copy fee:£5.00
Statement copy fee:£3.00
Foreign currency conversion fee:2.99%
Balance Transfer fee:£5 or 5% whichever is greater
Cash Handling Fee:£5 or 5% whichever is greater
Fee to re-issue PIN:£2.50
Default charges (variable)Fee for unpaid payment, cheque or Direct Debit :£12.00
Fee for late payment:£12.00
Fee for exceeding Credit Limit:£12.00

Flybe MasterCard is issued by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull B91 2AA