What features and benefits can I expect?

A credit card is a flexible and convenient way of borrowing money in the short term. It can offer interest-free, short-term credit on purchases, as long as you always pay the balance in full and on time. It’s a safe and versatile way to pay for goods and services and offers protection against fraud. Some credit cards allow you to transfer higher interest debt to a card with a lower interest rate, however, you may be charged a balance transfer fee for this service.
Your card limit is based on an assessment of your income and borrowing commitments. We’ll tell you your limit after your application is accepted and this figure will appear on your monthly statements. If you prefer a lower limit, this can be reduced. After six months, we’ll be happy to review your credit limit based on an assessment of your ability to pay the new amount.
We offer a variety of credit cards, all with different features and benefits as well as online servicing.