credit card comparison balance transfer credit cards purchase credit cards reward credit cards travel credit cards bad credit rating credit cards prepaid cards compare credit cards credit card guide

MBNA BT Retail Credit Card

Independent review with up to date rates, fees and special offers for this card...

mbna bt retail credit card

apply now for mbna bt retail credit card
  • Earn money off your BT phone bill
  • 1p rebate for every £2 you spend up to £250, then 1p for every £1
  • 0% on Supermarket & Petrol spending for 10 months
  • 0% on balance transfers for 6 months (3% fee)

MBNA credit card review: BT Retail

OUR editors are currently reviewing the MBNA BT 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% for 10 months Only applies to:
- Purchases at most major UK supermarkets (including Tesco, Sainsbury's, ASDA, Morrisons, Waitrose, Iceland, Somerfield, Co-op and Aldi), and petrol retailers (including supermarket petrol stations).
This offer excludes all online purchases, any financial or insurance related product, vouchers purchased through Grass Roots Group, or services from a third party which is associated with a supermarket or petrol retailer.

Payments will be applied towards 0% balance transfers before 0% purchases. However, once the 0% balance transfer period ends, payments will be applied first towards 0% purchases. After the introductory period purchases will be charged at the standard rate of 16.9% p.a.
Balance Transfers 0% for 6 months
Includes transferring cash into a current account (4% fee)		 Must be made within 90 days of account opening to qualify.
Also includes credit card cheques and money transfers (but with a 4% handling fee on money transfers).
Payments are applied towards 0% balance transfers before 0% purchases, but when the 0% balance transfer period ends payments will be applied towards 0% purchases before standard rate balance transfers.
After the 0% balance transfer period ends, balance transfers are charged at the standard rate of 18.9% p.a. and money transfers and credit card cheques are charged at the standard rate of 20.9% p.a.
Balance Transfer Fee 3%
(£3 minimum)		 This fee applies to balance transfers and credit card cheques. Money transfers will be charged a 4% fee.
Cash Withdrawal Rate 27.9% p.a. (variable) -
Cash Withdrawal Fee 3%
(£3 minimum)		 -
Annual Fee None -
Foreign Transaction Fee 2.99% This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.

Rewards
    Notes..
Reward #1 BT Phone Bill Rebate You'll earn:
- 1p discount for every full £2 spent in purchases up to £250 in a month
- 1p discount for every full £1 spent in purchases over £250 in a month
- The maximum discount you can earn in any 12 month period is £75.
- Discount rebates will be automatically credited to your BT phone bill.
- If you have any surplus discount it will be rolled over to the next month.

Cardholder Services & Extras
   
Online Account Management This service is offered. You can log in to a website and manage your MBNA BT credit card account online.
Optional paperless statements.
Fraud Guarantee This service is offered. There is no liability or excess to pay for theft, loss or fraudulent use online or on the high street, as long as you notify MBNA as soon as your card cannot be found or you notice any unsual transactions on your account.
Fraud Monitoring This service is offered. Fraud Warning System
MBNA will monitor your account for any suspicious activity. They also offer a purchase disputes team and a 24/7 365 helpline.
Identity Protection This service is not offered. MBNA do offer a Identity Theft Protection Scheme, which is a free booklet offering advice on how to protect yourself from ID theft.
Verified by Visa This service is offered. An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers.
Purchase Protection Insurance This service is not offered.
Purchase Delivery Insurance This service is not offered.
Comprehensive Travel Insurance This service is not offered.
Travel Accident Insurance This service is not offered.
Travel Inconvenience Insurance This service is not offered.
Assistance Abroad This service is not offered.
Emergency Card Replacement This service is not offered.
Other Extras - 24 hour UK based customer services
- Up to 3 additional cardholders free.
Optional Extras These are extras that you can choose, but you will have to pay for them.
- Payment protection
- Card protection
- Identity protection alert.

Payments & Payment Details
    Notes..
Credit Limit £1,500 assumed Credit limit subject to status.
Interest Free Period Up to 50 days For purchases if you pay your statement balance in full and on time every month. There is no interest free period for balance transfers, cheques, money transfers or cash advances - except for those within an interest free promotional offer.
Minimum Monthly Payment 1%
(£25 minimum)		 If your balance is less than £25 you must repay your balance in full. Otherwise, you must repay the greater of:
- £25, OR
- 1% of your statement balance before any default charges and interest, plus any default charges and interest on the statement.
Allocation of Payments Low interest rate balances » Higher interest rate balances Where there are two or more balances at the same promotional rate they will repaid in the following order:
- The one which expires first, Then
- If the expiry dates are the same - the one which started first, Then
- If the expiry and start dates are the same - the one with the lowest standard rate.
Default Charges £12 This is how much you will be charged for late payments, returned payments and if you go over your credit limit.

Card Details
    Notes..
Online Application Yes
Card Type Classic -
Payment Company Visa 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 credit card.
Card Issuer MBNA The bank who issues this credit card.
Card Advertiser MBNA
British Telecom		 The company who advertises and promotes this credit card.



MBNA BT Retail Credit Card User Reviews

What do you think? Add your review of the MBNA BT Retail credit card.

post your opinion

At a glance

Typical APR: 16.9% APR
Purchases: 0% for 10 months
  16.9% p.a. thereafter
Balance Transfers: 0% for 6 months
Includes transferring cash into a current account (4% fee)
  3% transfer fee - £3 min
Interest Free Period: Up to 50 days
Annual Fee: £0
Rewards:
  • BT Phone Bill Rebate
This card includes:
Online Account Management
Fraud Security
apply for a mbna bt retail credit card
You should only apply if you are:
  • Aged 18 or over
  • UK resident


Review Continued...

Apply Online for MBNA BT Retail credit card »

MBNA Europe Bank Limited
Stansfield House
Chester Business Park
Chester
CH4 9QQ
www.mbna.co.uk