GM MasterCard credit card

	Card Name	HSBC 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
Application 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

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 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 -

Cash Withdrawal

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.