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

Credit Card Option 1 Ex/C (VISA)

First Trust Bank (NI)
18.9 % AER
APR Representative
No information
about interest free balance transfers
  • Cashback
  • Rewards
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Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.44% (variable) annual.

This account may be appropriate for you if

  • You have a Prime credit rating
  • You want to borrow at least £ 500
  • You are older than 18
  • You are already an existing customer


Cashback Scenarios:
Monthly SpendAnnual Cashback
£ 500£ 30
£ 1,000£ 60
£ 2,500£ 150
Standard Cashback Rate: 0.5 %
Enhanced Introductory Rate: Not applicable.

Introductory Offers

Balance Transfers Allowed: Yes
Max Balance Transfer Limit: N/A
Money Transfers Allowed: No

Overseas Use

Cost of £100 Transaction Worldwide: £ 2.75
Charges for £100 International Cash Withdrawal: £ 3
Interest Charged on Cash Withdrawals: 17.44 % AER
Airport Lounge Access: No
Overseas Insurance:
  • Travel Accident Insurance
  • Travel Medical Insurance
  • Travel Cancellation Coverage

Payment Options

Contactless Payments
Pay Bill With Direct Debit
Make Direct Debit Payments
Optional Cheque Book


Optional concierge service
Earn Charitable Donations
Free Warranty Cover
Refund Protection
Roadside Assistance
Home Emergency Cover
Emergency Funds
Emergency Card Replacement


Minimum Monthly Repayment: higher payment
Interest Free Period (transactions): 56 days
Interest Free Period (cash withdrawals): 56 days
Annual Interest Rate for Purchases: 17.44 % AER

Additional Charges

Late Payment Fee: £ 12
Inactivity Fee: None
Over Limit Fee: £ 12
Returned Payment Charge: £ 12
Copy Statement Charge: £ 10
Copy Voucher Charge: £ 5


Other Accounts Required:
  • Customer type: Must be a resident in the UK and hold an existing First Trust Bank account.
  • Additional account required: no
This Credit Card Is Provided By: First Trust Bank
All Qualifying Applicants Offered Advertised Rate: Yes

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* Cashback on a spending scenario of £500 per month

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