Barclaycard OnePulse Credit Card Review
 Built-In Oyster card
OneTouch cashless payments
0% balance transfers for 14 months (2.9% fee)
The Barclaycard OnePulse with Balance Transfer credit card is a practical choice for those living in London, helping to make your life to run a little more smoothly.
The Barclaycard OnePulse credit card offers various benefits to its customers, such as an inbuilt Oyster card, the OneTouch payment option - meaning you can pay for items under £10 simply by touching your card against a secure reader, and even free comprehensive travel insurance through the Barclaycard Travel Service.
This particular Barclaycard OnePulse credit card also offers a 0% balance transfer of 14-months, with a 2.9% handling fee. The alternative OnePulse credit card offers 0% on purchases for 6 months instead.
And, as a Barclaycard cardholder, you'll also get all the benefits and services that come as standard, such as worldwide assistance, fraud protection, discounts with certain retailers and purchase delivery protection.
Apply Online for Barclaycard OnePulse with Balance Transfer credit card 
| Interest Rates and Fees |
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Notes.. |
| Typical APR |
14.9% APR (variable) |
The typical APR is the rate most people are offered.
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| Introductory Purchases |
0% for 3 months |
Payments are applied towards introductory balance transfers before introductory purchases. |
| Balance Transfers |
0% for 14 months
On amounts up to £5,000 |
On amounts up to £5,000. Balances must be transferred within 60 days of your account opening. Payments are applied towards promotional balance transfers first. |
| Balance Transfer Fee |
2.9% |
Balance transfers carry a handling fee. |
| Cash Withdrawal Rate |
27.9% p.a. (variable) |
This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money. |
| Cash Withdrawal Fee |
2.5%
(£2.5 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
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| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
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| Rewards |
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Notes.. |
| In-Built Oyster Card |
Pre-load a Travelcard or bus pass season ticket or pay as you go |
Use the Barclaycard OnePulse credit card as you would your normal Oyster card.
Auto top-ups available for Oyster pay as you go users. |
| OneTouch Payments |
Cashless quick payments for purchases under £10. |
At participating merchants you can simply use the Barclaycard OnePulse credit card by holding it next to a secure reader to pay for purchases of £10 and under. No need to enter a PIN or use cash. |
| Travel Service |
Great holiday deals with Barclaycard's Travel Service |
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| Savings |
Savings with a range of retailers and companies |
Savings with Thomas Cook, Avis, Hilton, Emirates, Center Parcs, buyagift.com, Laithwaites and Dominos. |
| Cardholder Services & Extras |
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Notes.. |
| Online Account Management |
Yes |
You can log in to the Barclaycard web site and manage your Barclaycard OnePulse credit card account online. |
| Purchase Delivery Protection |
Yes |
Covers brand new goods bought with your Barclaycard OnePulse credit card if they don't arrive or are delivered damage and you are unable to resolve the issue with the supplier. Covers goods bought online, over the telephone and in the high street if goods are delivered. |
| Fraud Protection |
Yes |
Barclaycard will look out for any unusual activity on your account and contact you to make sure it's not fraudulent. |
| Travel Insurance |
Free single trip travel insurance |
When you book your holiday (between 2 and 21 days long) through the Barclaycard Travel Service. Up to 5 friends and family members travelling with you will be covered. Exclusions and terms and conditions apply. |
| Worldwide Assistance |
Free help if anything goes wrong while you're abroad |
Barclaycard can help you in the case that anything goes wrong whilst you are abroad. They can provide legal assistance, medical emergency help, arrange flights and transport to get you home as quickly as possible, interpretation, send a message home, and help with lost or stolen documents. |
| Emergency Card Replacement |
Emergency card replacement and emergency cash advance |
Barclaycard will get you an emergency card replacement if yours is lost or stolen anywhere in the world. Barclaycard can also arrange an emergency cash advance of up to £1,000 a week (subject to available funds on your account), and they'll even refund the cash handling fee. |
| Other Extras |
Barclaycard Secure, Identity Protection Service, Barclaycard Travel Service |
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| Optional Extras |
Card Protection, Payment Protection, Everyday Cover, Identity Theft Protection |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
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Notes.. |
| Credit Limit |
£250 minimum |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 56 days |
For purchases if you pay your balance in full and on time. this is the amount of time you have to clear your balance in full each month before you are charged any interest. there is no interest free period on cash withdrawals, cheques or balance transfers. |
| Minimum Monthly Payment |
2.25%
(£5 minimum) |
The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero). |
| Allocation of Payments |
Promotional rate balances, interest and charges, standard balance and then cash withdrawals. |
When you make a payment to this card, payments will first be applied towards promotional balance transfers and / or purchases, then interest charges and any fees, then standard rate balances and then cash withdrawals. |
| Default Charges |
£12 |
This is how much you will be charged for late payments, returned payments and if you go over your credit limit. |
| Copy of Statement Fee |
£3 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
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Notes.. |
| Online Application |
Yes |
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| Card Type |
Classic |
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| Payment Company |
Visa |
This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'Visa' logo will accept this card. |
| Card Issuer |
Barclays Bank |
This is the bank behind your credit card. |
| Card Advertiser |
Barclaycard |
This is the company who advertises and promotes this credit card. |
Barclaycard OnePulse with Balance Transfer Credit Card User Reviews
What do you think? Add your review of the Barclaycard OnePulse with Balance Transfer credit card.
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At a Glance
Barclaycard OnePulse Credit Card
| Typical APR: |
14.9% APR |
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| Purchases: |
 0% for 3 months |
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14.9% p.a. thereafter |
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| Balance Transfers: |
 0% for 14 months
On amounts up to £5,000 |
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2.9% transfer fee |
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| Rewards: |
Built-In Oyster Card |
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OneTouch Payments |
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Shopping & Travel Discounts |
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| Interest Free Period: |
Up to 56 days |
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| Annual Fee: |
£0 |
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| This card includes: |
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 Online Account Management |
| Fraud Security |
| Purchase Protection |
| Comprehensive Travel Insurance |
| Travel Assistance |
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| You should only apply if you are: |
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| • Aged 23 or over |
| • Have a permanent UK address (for 3 months or more) |
| • Have a good credit history |
| • Don't already hold a Barclaycard |
| • Haven't missed multiple payments on a credit agreement within the last 12 months |
| • Haven't been declared insolvent, bankrupt or have any CCJ's against you |
| • Earn at least £15,000 per annum |
Review Continued...
The two big bonuses of the Barclaycard OnePulse credit card for people living in London are the inbuilt Oyster card and the OneTouch payment option, both features which help to make your life just that bit easier.
Oyster card
With the inbuilt Oyster card, Barclaycard helps you to reduce the bulge in your wallet or purse, and once again, with all you need on one card, helps to make your life less complicated.
With the Barclaycard OnePulse credit card, you can choose to set up Auto Top-Up for your Oyster card, so that when your balance gets below £5, your pay as you go balance will automatically be topped up by either £20 or £40.
If you already have an Oyster card and wish to transfer the balance, you can contact the Oyster helpline on 0845 330 9876 or through the website: www.tfl.gov.uk/oyster.
It should be noted however, that certain season tickets cannot be transferred and you may have to wait for them to expire before you load a new one onto the Barclaycard OnePulse credit card.
OneTouch
The OneTouch payment system has been developed to make paying for items under £10 a lot quicker and easier.
Now in over 1000 London shops and stores, OneTouch enables you to pay for items without entering your PIN or having to root around for small change - all you have to do is touch the card against a secure reader.
Barclaycard also provides 100% fraud protection for all OneTouch transactions, making it a very secure and very quick way to pay.
0% balance transfers
Barclaycard offer two OnePulse credit cards; this one and one offering 0% purchases for 6 months.
This Barclaycard OnePulse credit card offers a 14-month long 0% balance transfer deal instead.
14-months sets this balance transfer deal as one of the best on the market, although there is still the standard transfer fee, 2.9% for this card, and a maximum transfer amount of £5,000 (standard on all Barclaycards).
One thing to bear in mind with this balance transfer deal is that due to way payments will be applied to your cheapest rate transactions first - using this card for a 0% balance transfer and then spending on the card is not advised.
Any spending made in addition to a balance transfer will attract interest and any payments will only go towards clearing the balance transfer - until it's paid back in full.
This means, if you want a good 0% balance transfer credit card get a different one to this, and then get this card purely for it's 'around-London' features (or the other OnePulse credit card and get 0% on purchases for 6 months instead of 3).
Free travel insurance and services
Barclaycard issues free travel insurance to their customers when trips abroad are booked through the Barclaycard Travel Service.
This free insurance lasts for up to 21 days and covers up to six people, if all are under 65 and in good health. However, for the over 65s, Barclaycard still offers a discount of £35, so if your travel insurance comes to £35 or below, you will get it for free.
Barclaycard have teamed up with Thomas Cook to waive the 2.25% credit card booking fee for holidays, and also offer a 7% discount on the tour operator price of the holiday.
As standard with Barclaycard, they offer fast help if you happen to lose your credit card whilst away from home, and provide an Emergency Card and Cash Replacement service. The emergency card can be issued within three working days to anywhere in the world.
As a Barclaycard customer, you can receive 24-hour worldwide assistance wherever you are. Barclaycard will help you find an English speaking doctor or lawyer if need be, and they can even help you to send a message home - be it an emergency or if you've just forgotten to cancel the newspapers.
Purchase and fraud protection
Barclaycard offer purchase delivery protection on goods bought online, on the phone, or on the high street when delivered to your home, meaning that you're covered for anything that arrives damaged, or worse still, doesn’t arrive at all.
Protection against fraud is also provided with services such as active fraud monitoring, identity protection service and Barclaycard Secure.
Helping you to keep your payments up to date, Barclaycard also offer a free text alert service, letting you know when your payments are due, yet again helping to lessen the load.
Final Word
The Barclaycard OnePulse with Balance Transfer credit card is one of the most practical credit cards for people living in London.
The credit card lightens the load in more ways than one, giving you more room in your wallet, less to worry about with Barclaycard's payment text alerts, and you can make quick and easy purchases with the OneTouch chip.
If you don't need a balance transfer (or are able to get one elsewhere - which is recommended so you can spend freely on the OnePulse card) check out the alternative Barclaycard OnePulse credit card that offers exactly the same features, except you get an extra 3 months at 0% for new purchases (just no balance transfer deal).
Apply Online for Barclaycard OnePulse with Balance Transfer credit card
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