Barclaycard Platinum 'Cashback' Credit Card

About Barclaycard Platinum credit card...

- 1% cashback on supermarket & petrol spend
- 0.5% cashback on all other spending
- Barclaycard cardholder services & benefits

Barclaycard have bought to the UK what the Americans call a 'gas rebate' card... except that you'll also be earning a nice rebate on your weekly groceries too.

Offering 1% cash back on all supermarket spending and petrol purchases, with the added bonus of still earning 0.5% cash back on all other purchases.

The supermarket/petrol cash back offer is limited to £15 cash back per month - which equates to earning 1% on spending up to £1,500. Cash back earned on all other purchases is capped at a second maximum earning of £15 per month - so on spending up to £3,000.

In total, you can earn yourself up to a nice sum of £360 cash back per year. Cash back earned will then be paid to you annually in the month you opened your account.

Alongside the generous cash back deal you’ll also be privy to travel and shopping discounts with names such as Thomas Cook, Avis, Hilton, Emirates and others.

The Barclaycard Platinum credit card offers a competitive interest rate and a whole host of purchase and fraud securities to keep your shopping and money safe.

Travellers and holidaymakers can also enjoy free comprehensive travel insurance, worldwide assistance, emergency card and cash replacement services, all alongside the discounts offered with Barclaycard Travel Service.

Apply for Barclaycard Platinum credit card

Interest Rates and Fees
		Notes..
Typical APR	14.9% APR (variable)	The typical APR is the rate most people are offered.
Balance Transfers	0% for 12 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 introductory rates first.
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	-
Foreign Transaction Fee	2.75%	This is fee you will be charged for credit card transactions made abroad.

Rewards
		Notes..
Cashback #1	1% cashback on supermarket and petrol spend	Up to a maximum of £15 cashback per month (£1,500 spend).
Cashback #2	0.5% cashback on all other purchases	Up to a maximum of £15 cashback per month (£3,000 spend).
Travel Service	Great holiday deals with Barclaycard's Travel Service	-
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
		Notes..
Online Account Management	Yes	You can log in to the Barclaycard web site and manage your Barclaycard Platinum credit card account online.
Purchase Delivery Protection	Yes	Covers brand new goods bought with your Barclaycard platinum 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.
Identity Protection Service	Yes	Confidential advice if you become an identity theft victim.
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, Barclaycard Travel Service	-
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
		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
		Notes..
Online Application	Yes	-
Card Type	Platinum	-
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.