About Barclaycard OnePulse credit card...
- In-built Oyster card
- OneTouch cashless payments
- Travel & shopping discounts
The Barclaycard OnePulse credit card is a relatively useful credit card if you frequent London trains, tubes or buses.
The rather unique feature of the Barclaycard OnePulse credit card is the in-built Oyster card that can be pre-loaded with a season ticket Travelcard or bus pass or used as a pay as you go Oyster card instead.
Also offered with the Barclaycard OnePulse credit card is the OneTouch payment solution - which offers a fast way to pay for purchases of £10 or less without fussing with PIN numbers or cash.
However, to use the OneTouch payment system it does require the merchant to have a OneTouch secure card reader installed.
As a Barclaycard you'll get all the cardholder services and benefits that come as standard, including purchase delivery protection, fraud protection including active fraud monitoring, free travel insurance through the Barclaycard Travel Service, worldwide assistance and an emergency card replacement and cash advance service.
Apply for Barclaycard OnePulse 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 6 months |
Payments are applied towards introductory rates first. |
| Balance Transfers |
14.9% p.a. |
|
| Balance Transfer Fee |
2.5% |
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. |
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Barclaycard OnePulse Credit Card
| Typical APR |
 14.9% APR |
 |
| Intro Purchases |
| 0% for 6 months |
|
| Balance Transfers |
 14.9% p.a.
2.5% transfer fee |
|
| Rewards |
In-built Oyster card
OneTouch payments
Shopping & travel discounts |
|
| Interest Free Period |
| Up to 56 days |
|
| Annual Fee |
| £0 |
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| You should only apply if you are: |
| • 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 |
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More about Barclaycard OnePulse credit card...
The Barclaycard OnePulse credit card is designed for Londoners and to-London commuters to help make London transport travel run a little more smoothly.
Oyster card
If your wallet - or purse - is starting to bulge at the seams, the Barclaycard OnePulse credit card could reduce the filling in more ways than one.
The Barclaycard OnePulse credit card has a built in Oyster card that can be loaded with a season ticket Travelcard or bus pass, or a pay as you go Oyster card.
The pay as you go option can have an auto top-up set up too, of £40 or £20 to be debited from your Barclaycard OnePulse credit card account whenever your Oyster pay as you go balance drops below £5.
If you already have a pre-loaded Oyster card or season ticket you can phone up the Oyster helpline (0845 330 9876) or visit their website tfl.gov.uk/oyster to arrange the transfer. It must be noted, you may not be able to transfer some currently held season tickets, so you may have to wait until they expire before loading a new season ticket onto the Barclaycard OnePulse credit card.
OneTouch
Aside from eliminating the extra plastic of carry a credit card and a separate Oyster card (or travel tickets), the Barclaycard OnePulse credit card will also cut down on the amount of coins you need to carry too.
OneTouch is a new payment system that allows you to simply hold your credit card in front of a secure reader and pay for purchases of £10 or less in less than a second - without the fuss of entered a PIN or counting out your pocket change.
OneTouch is processed through the same secure network as chip and PIN and the card payment technology is made by Barclaycard Business.
Barclaycard estimate the over 5 million contactless (OneTouch) cards will be in circulation by the end of 2008. However, we are nearing the end of September and so far the only participating merchants are Books etc, Thresher, EAT., Krispy Kreme Doughnuts, Yo! Sushi and Coffee Republic Deli.
It has to be said though; you'll easily find at least one if not all of the above mentioned retailers in passing through Victoria or most major London stations.
Barclaycard services and benefits
As a Barclaycard, the OnePulse credit card offers a range of cardholder services and benefits that come as standard.
Looking after your credit card purchases is purchase delivery protection - covering new goods bought online, over the telephone or on the high street when delivered to your home if they don't arrive or they are damaged on delivery.
Barclaycard will also be actively monitoring fraud, and if anything looks suspicious on your account they will get in touch to make sure it's not fraudulent.
Travellers and regular holiday makes can look forward to savings with the Barclaycard Travel Service along with free comprehensive travel insurance when you book through them too.
Barclaycard also offer worldwide assistance and an emergency card replacement and cash advance service.
Of course, you'll also be able to access the shopping discounts available to Barclaycard cardholders with select retailers and companies such as Thomas Cook, Avis, Hilton, Emirates, Center Parcs, buyagift.com, Laithwaites and Dominos.
Final word
Any London commuters looking to lighten the load - literally - will be very well suited to the Barclaycard OnePulse credit card.
And as far as credit card payments go, your purchases and money will be as well looked after as on any Barclaycard.
Apply for Barclaycard OnePulse credit card
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