Gold Visa (Smile Current Account holders)

Gold Visa (Smile Current Account holders)
  • Provider: Smile
  • Card Name: Gold Visa (Smile Current Account holders)
  • Networks available: Visa
  • Card type: gold
  • Issuer: The Co-operative Bank
View product details by
Introductory offers
Intro balance transfer rate12.9%
Intro balance transfer periodno intro offer
Intro balance transfer fee0%
Intro purchase rate12.9%
Intro purchase periodno intro offer
Other rates and fees
Representative APR12.9% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals25.9%
Charges and payments
Charge on overseas spending2.75%
Charge on cash withdrawals3% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£12
Mimimum monthly repayment
Spending Rewards
Cashback Rewards-
Airmiles-
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other IncentivesLower rates are offered if you hold a smile current account. Safe Shopping If the smile card details are ever used fraudulently by someone else through no fault of the cardholders, Smile will pay cardholders for any loss over £50 from the time they report the card missing.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protection-
Internet fraud protectionsmile security ' all online transactions using a smile credit card are protected by the leading digital ID certificate issuer, Verisign. ' smile are constantly monitoring all transactions to protect against fraud. smile's no risk policy smile will take full responsibility and repay any money that is taken from an account due to: ' any error by smile's staff or system. ' a computer crime which is not found and stopped by smile's security system.
Application information
Minimum age18 years
Minimum income£25,000 per annum
Credit ratingPrime
Existing customers only-
Additional account requiredThis card is only available to Smile Current Account holders.
Apply onlineCheck
Customer service scores
Overall customer service
 
9.0Ranking 2 of 25
Ease of account opening9.2Ranking 2 of 25
Ease of balance transfer8.6Ranking 6 of 25
Fraud protection score9.2Ranking 2 of 25
Online service score9.1Ranking 2 of 25
Call centre service score9.1Ranking 2 of 25
Your level of satisfaction score9.1Ranking 2 of 25
Intention to recommend score8.6Ranking 1 of 25
Number of votes41
Account services
Manage onlineCheck
Text updatesCheck
Cheque bookCheck
Payment protectionCheck
Product data provided by Defaqto