Apply for our 0% MasterCard credit card online. 15.9% APR variable. Get an interest free credit card with an instant decision on our new online credit card application
Card Name
GM credit card
Card Type
MasterCard
Card Issuer
HFC Bank Limited.
Exclusive Features
Save on buying your next new Vauxhall or Saab
Eligibility
Minimum Age
18 years or over
Minimum Income
none
Status
Will your GM Card be for personal use?
Do you live in the UK or the Channel Islands?
Are you 18 years or older? (21 if you're in the Channel Islands)
Do you have a household income of more than £4,000 (gross)?
Do you have a good credit history?
Type of card - Mastercard Credit Card
The GM Credit Card is a MasterCard card - It can be used at over 25 million locations worldwide also with over 1 million ATM in over 210 countries whereever you see the MasterCard - Maestro or Cirrus acceptance sign.
GM credit Card Fees
Card Application Fee
FREE
Card annual fee
FREE
Card Limit
credit limit subject to status
Interest Free Period
56 days
Minimum payment
Minimum monthly repayments of £5 or 2% of the balance (whichever is greater)
Late Payment charges
£12 if you exceed your credit limit. if you pay late. if a cheque for a Balance Transfer is returned unpaid. if any payment is returned unpaid. if they serve a Default Notice.
Introductory offers - APR
Intro Rate
Intro Period
Annual Rate
Purchases
0%
5 months
14.9%APR variable
Balance Transfer
2.9%
5 months
14.9%APR variable
Cash
n/a
n / a
23.9%
Balance Transfer details
Fee percentage
2%
Minimum fee
£5.00
maximum fee
2% handling fee
Rewards - Features and Benefits
Shopping rewards program
Reward points
Free Online payment protection
Free purchase protection
Free price protection
Free warranty cover
Travel insurance protection available
Earn Airmiles
Contributions to Charity
Online Access
Charges -
Charges
2.5% handling fee (minimum £3.00) of the amount of each Cash Advance (includes cash withdrawals and purchases of foreign currency and travellers cheques), we will charge a fee of 2% of the amount of each Balance Transfer (min £5), 2.75% administration charge on non-sterling transactions, a fee £5 to stop a cheque, first statement date change is free, subsequent changes £10, copy vouchers £5 and copy statement £5.
Allocation of payments
If you do not pay off your balance in full, payments we receive are applied first to Payment Protection Insurance premiums, then to Default and other charges, fees, interest and then Balance Transfers, Cash Advances and Purchases with lower rate introductory or promotional items repaid before items with no introductory or promotional rate. Please refer to 'Application of Payments' section in your Agreement for a full breakdown.
Additional Benefits -
Rebate Points are earned at the rate of 3% of your spend.
1 Rebate Point is equivalent to a £1 saving off the price of your new Vauxhall or Saab (subject to the Model Line Maximum).
Partner Points are earned on top of your normal Rebate Points whenever you shop at The GM Card Partners. The Partner Points rate is currently 3% of your spend.
100 free Rebate Points when you use your GM Card for the first time (the equivalent to £100 saving off your new Vauxhall or Saab).
Transfer your Rebate Points to an eligible family member who is not a GM Cardholder.
Two GM Cardholders living at the same address can pool their Rebate Points.
Free additional Card(s).
Issued By:
HFC Bank Limited 2005.
Disclaimer All prepaid credit card and credit cards APRs, features, charges, benefits and other information listed by Compare Prepaid represent the most recent information available at the time of writing. Every effort is made to keep the site accurate, however we cannot guarantee that a prepaid credit card issuer or credit card issuer has not increased or decreased one or more of the APRs or fees/charges associated with a particular card or changed its features, obligations or benefits. Please be sure to read the prepaid credit card or credit Card agreement fully and carefully before making any agreement.
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