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MINT Card Summary Box

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions
APR
  • Typical 16.9% APR (variable)
Interest Rates Introductory Rate
(per annum) 		Monthly Rate Annual Rate
Simple Effective
Purchases 4.9% on purchases for the first 9 months from account opening 1.313% 15.756% 16.945%
Advances N/A 2.075% 24.900% 27.948%
Balance transfers N/A 1.313% 15.756% 16.945%
Cheques N/A 1.313% 15.756% 16.945%
Money transfers N/A 1.313% 15.756% 16.945%
Interest free period
  • Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time.
  • There is no interest free period on advances, money transfers or balance transfers.
Interest charging information
From Until
Purchases
Advances
Balance transfers
Cheques
Money transfers		 transaction date
transaction date
date debited to your account
date debited to your account
date debited to your account		 Repaid in full*
Repaid in full*
Repaid in full*
Repaid in full*
Repaid in full*
*Any interest charge for the period from the previous statement to the date of full repayment will be debited the following month.
Allocation of payments We will apply payments we receive to your account in the following order:
  1. Interest on special offers
  2. Any other interest, fee or charges
  3. Special offers shown on any statement
  4. Purchases and balance transfers
  5. Advances and and money transfers

See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment

Each month, the greater of:

  1. 2.25% of the new balance shown on your statement, rounded down to the nearest pound or £5, whichever is more; or
  2. the amount you owe over your credit limit less any overdue amounts from previous statements.

We do not recommend that you only ever make your minimum payment.
Credit limit
Minimum £300
Maximum £7,500 (subject to status)
Fees Not applicable.
Charges
Cash Fee (except gambling transactions) 3% handling fee, minimum £3
Copies of statements £3
Transactions in foreign currencies (including foreign currency and traveller's cheques) 2.75% (Non-Sterling Transaction Fee)
To process dishonoured cheque or direct debit £10
Foreign Usage One or more of the following may apply:

Non Sterling Transaction Fee 2.75%
Cash Fee 3% handling fee, minimum £3.00
Rates can be found at:
Visa
Mastercard
Default charges
Over limit £12
Late payment £12

To benefit from the full period of any special offer you must not break any term of your credit card agreement.



MINT is a business name of The Royal Bank of Scotland plc registered in Scotland No 90312. Registered office: 36 St Andrew Square, Edinburgh EH2 2YB. This site is only intended for residents of the United Kingdom aged 18 and over (please click on 'Legal Info' for more details).