The card has a credit limit, subject to the bank’s approval and concession. The billing period begins on the 26th of each month and ends on the 25th of the following month. Everything spent in this period will be charged on the first of each month without interest.

Our personalised purchasing system allows you to defer paying for any purchase in excess of €30, any charge made to your instant access account of more than €100 or even your credit card bill payable on the first of the month. The interest rate applied is 14.50 % NIR, 15.50 % APR.

For a purchase of €1,500 deferred through our personalised purchasing system, spread over 12 months, you would pay 11 instalments of €135.03 and one final instalment of €135.08. The total amount payable will be €1,620.41 The total cost of the credit (interest) will be €120.41. French amortisation system.

No, the balance must be paid in full, and this cannot be changed.