About Egg credit card...
- Unique 0% balance transfer deal
- Cash back and shopping discounts
- Free purchase protection insurance
The Egg credit card has remained one of our top choices for a while now; with their fantastic shopping rewards including a phenomenal up to 25% cash back and a tonne of discounts just waiting to put some extra money back in your pocket.
- Unique balance transfer offers
The Egg credit card comes with a very unique balance transfer deal that not only offers 0% balance transfer rates to new customers, but also offers you a second, and third helping of 0% interest rates on balance transfers for 5 months in 2010 and 2011 too.
Perfect for helping any rate tarts out there to cut down on their swapping. You'll be able to transfer to the Egg credit card and get 0% until 1 August 2009 (apprx. 15 months), then transfer away, and then you can transfer back to the Egg credit card for another 0% deal for 5 months in 2010, and you can do it all over again in 2011.
- 0% on purchases too
Egg wins extra points for offering 0% on purchases until August 2008 (apprx. 3 months) - allowing you to splash out and repay your purchase over the next few months.
- Cardholder services and extras
The Egg credit card just keeps on going, with free purchase protection insurance, an internet fraud guarantee, savings on Egg insurance and a travel accident insurance policy.
Apply for egg credit card 
| Interest Rates and Fees |
| |
|
Notes.. |
| Typical APR |
16.9% APR (variable) |
The typical APR is the rate most people are offered.
|
| Introductory Purchases |
0% until 1 August 2008 |
Payments will be applied towards introductory rates first. |
| Balance Transfers |
0% until 1 August 2009
another 0% for 5 months in 2010 & 2011 |
Balance transfer must be made by 1 September 2008. Payments are applied towards introductory rates first. The anniversary offer entitles you to another 0% rate on balance transfers for 5 months on the anniversary of your account opening in 2010 and 2011. |
| Balance Transfer Fee |
3% |
Introductory balance transfers carry a handling fee of 3%.
Anniversary offer balance transfers carry a handling fee of 2.5%. |
| Cash Withdrawal Rate |
24.9% 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 |
3%
(£3 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.. |
| Cash Back |
Up to 10% at selected retailers |
Shop online with your Egg credit card through the egg.co.uk web site and you'll get cash back.
Selected retailers include Lastminute.com, 0800flowers, Lounge Pass and Truprint. |
| Shopping Discounts |
Up to 25% off with selected retailers |
Shop online with your Egg credit card through the egg.co.uk web site and you'll get a range of money-back offers and discounts. Retailers include figleaves.com, Virgin Wines, buyagift.com, Dixons.co.uk, I Want One of Those, Joe Browns, BCP Airport Parking, Holiday Autos and MyMovieStream. |
| Cardholder Services & Extras |
| |
|
Notes.. |
| Online Account Management |
Yes |
You can log in to a web site and manage your egg credit card account online. There are no 'on-the-street' banks, banking can only be done online, via post or post office and over the telephone. |
| Purchase Protection Insurance |
Up to £1,000 per item |
Goods costing £25 or more bought with this card will be covered for up to £1,000 per item against damage, loss and theft before you get them home, or for up to 30 days, whichever comes first. |
| Internet Shopping Guarantee |
Yes |
Guaranteed protection against any fraudulent transactions carried out without your consent. |
| Travel Accident Insurance |
Up to £50,000 |
When you pay for your travel with this card you and your family will be covered against death or serious injury whilst abroad. |
| Other Extras |
Savings on Egg motor and travel insurance |
- |
| Optional Extras |
Card protection plan, Repayment protection |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
| |
|
Notes.. |
| Credit Limit |
£500 minimum |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 45 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 or balance transfers outside of the introductory period. |
| Minimum Monthly Payment |
2%
(£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 |
Introductory rate balance transfers, interest charges and fees, non-introductory balance transfers, purchases (including introductory rate purchases) and then cash withdrawals. |
When you make a payment to this card, payments will first be applied towards promotional balance transfers, then interest charges and any fees, then non-promotional balance transfers and purchases and finally to cash withdrawals. |
| Default Charges |
£16 |
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 |
£2 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
| |
|
Notes.. |
| Online Application |
Yes - Instant Decision |
In most cases. when you apply online you may receive a decision on your application straight away. to be considered for this credit card you must be aged 18 or over, UK resident, have regular access to the internet and have a current bank or building society account. |
| Card Type |
Classic |
-
|
| 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 |
Egg |
This is the bank behind your credit card. |
| Card Advertiser |
Egg |
This is the company who advertises and promotes this credit card. |
|
Egg Credit Card
| Typical APR |
 16.9% APR |
 |
| Intro Purchases |
| 0% until 1 August 2008 |
|
| Balance Transfers |
 0% until 1 August 2009
another 0% for 5 months in 2010 & 2011
3% transfer fee |
|
| Rewards |
Up to 10% cash back
Shopping discounts
Prize draws |
 |
|
| Interest Free Period |
| Up to 45 days |
|
| Annual Fee |
| £0 |
|
 |
| You should only apply if you are: |
| • Aged 18 or over |
| • UK resident |
| • Have a current UK bank or building society account |
| • Have regular access to the Internet |
| • Can be contacted via a personal e-mail address |
More about Egg credit card...
The Egg credit card offers cardholders the chance to save money and earn money too, making this a credit card you'll want to keep handy at all times. The Egg credit card also comes with a range of free services that will help to keep your money and your purchases safe too.
0% offers that keep on offering...
The Egg credit card breaks the mold with it's unique 0% promotions on balance transfers. The Egg credit card doesn't just offer 0% interest rates for an introductory period, but offers 0% interest rates again in your second and third years of being an Egg credit card customer.
0% on balance transfers now...
When you take out an Egg credit card you'll be able to transfer an existing credit card balance to your new Egg card and benefit from 0% interest rates on this balance until August 2009 - that's up to 15 whole months!
Balance transfers do carry a handling fee, but it's only 3% of the balance you are transferring, much less than the money you will save in interest charges.
0% anniversary offer...
The anniversary offer, once unique to the Egg credit card offers 0% interest rates on balance transfers for a second and third time in 2010 and 2011 for 5 months. This promotional rate will start on the anniversary of your account opening in both 2010 and 2011, allowing you to transfer another credit card balance without having to apply for a new credit card.
Anniversary offer balance transfers still carry a transfer handling fee, but it's a little less at 2.5%.
0% on purchases...
The Egg credit card doesn't just offer 0% interest rates on balance transfers, but offers them on your purchases too. When you take out an Egg credit card you'll get 0% interest rates on all your purchases until August 2008.
Huge amounts of cash back and great shopping discounts
The Egg credit card enables you to earn up to a staggering 10% cash back and receive up to 25% off shopping discounts when you shop online with selected retailers through links provided on the Egg.co.uk web site. Current retailers include
Lastminute.com, 0800flowers, Lounge Pass, Truprint, figleaves.com, Virgin Wines, buyagift.com, Dixons.co.uk, I Want One of Those, Joe Browns, BCP Airport Parking, Holiday Autos and MyMovieStream.
The cash back you earn with your Egg credit card will be credited back to your card account every year, usually in September. And of course, discount offers will just knock down the price you have to pay.
Egg Benefits and Features
Egg Money Manager
As an Egg customer, you'll get free access to this safe, easy-to-use online money managing service. The Egg Money Manager lets you view all your online accounts in one place, even if they are with other banks.
Egg Insurance Savings
Egg credit card customers can benefit from savings on motor and travel insurance taken out with Egg.
Apply for egg credit card
What do you think?
Add your own review of the Egg credit card.
Myra Button writes... 29/01/2008 "Egg credit card offer brilliant customer service, they've sorted out any problems I've had without a hitch and they're quick to respond to the online account secure messaging." Tim writes... 03/01/2008 "I agree with Jane, the Egg Money Manager (online access for various bank accounts) it's definitely worth taking the Egg card out just for that. Though I got it for the 0% balance transfer." Jane Horton writes... 09/12/2007 "Their internet banking is really handy as you can access all your accounts in one place - even if it's with Barclays or a completely different bank. Statements are a breeze to check through and I've not had any problems with them over payments or queries. It's great for a balance transfer - though I'm not sure if I'll hold onto it pass that, but all in all it's a thumbs up." Robert writes... 08/10/2007 "It's alright for a balance transfer but the interest rate is pretty sky-high when the 0% period ends." David Haslam writes... 10/05/2007 "I think the Egg credit card is one of few great 0% balance transfer deals, it offers a reasonable balance transfer fee and rewards long term customers with 0% deals as well as newcomers."
Egg Banking plc
1 Waterhouse Square
138-142 Holborn
London EC1N 2NA
www.egg.com
|
