First Trust Bank (NI): Credit Card Option 1 Ex/C

Provider:First Trust Bank (NI)
Card Name:Credit Card Option 1 Ex/C
Networks available:VisaMastercard
Credit Card Option 1 Ex/C
Rates & Fees
Introductory offers
Intro balance transfer ratena%
Intro balance transfer periodno intro offer
Intro balance transfer fee1.5%
Intro purchase rate0%
Intro purchase periodno intro offer
Other rates and fees
Representative APR18.9% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals17.4%
Charges and payments
Charge on overseas spending2.75%
Charge on cash withdrawals1.5% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£12
Rewards & Benefits
Spending Rewards
Cashback RewardsIf the card is used at least 12 times and the annual spend is at least £5,000, First Trust will credit £25 back to the credit card account and an additional £1 back for every additional £200 spent. Maximum Cashback Loyalty Reward is £250 per annum.
Airmiles-
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other IncentivesNone.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protection-
Internet fraud protectionyes
Opening and managing the account
Application information
Minimum age18 years
Minimum income£0 per annum
Credit ratingPrime
Existing customers onlyyes
Additional account required-
Apply onlineCheck
Maximum credit limit£0
Account services
Manage onlineCheck
Cheque bookCheck