Barclaycard Flexirate Credit Card

Published on 21 July 2012 by Raffick Marday

Barclaycard Platinum Flexiplus credit card

Introducing the Barclaycard Platinum Flexi Rate Visa credit card. Barclaycard Flexirate Credit Card offer is unique because The more you repay, the lower your interest rate will be and could be as low as 9.9%

Card Name
Barclaycard Platinum Flexirate
Card Type
Visa Card
Card Issuer
Barclays Bank
Exclusive Features
Pay more for lower interest rates


Minimum Age 21 years or over and have a good credit history
Minimum Income Have a regular income of more than £10,000 pa
Status You must have a residential UK address for 3 months or more and have a legal right to reside within the UK – Proof of ID required – Credit check done -

Type of card – Visa Credit Card

The Barclaycard Flexirate is a Visa card – Visa cards can be used in 160 countries, and are accepted by over 24 million merchant outlets worldwide.

Barclaycard Flexi rate Card Fees

Card Application Fee FREE
Card annual fee FREE
Card Limit NONE
Interest Free Period 56 days
Minimum payment 2.25% or £5, whichever is greater. .
Late Payment charges £12 Late payment fee, Over credit limit: and Returned payments
Introductory offers – APR
Intro Rate
Intro Period
Annual Rate
3 months
From 9.9% to 14.90%
Balance Transfer
12 months
From 9.9% 14.90%
n / a
Balance Transfer details
Fee percentage 2.50%
Minimum fee £5.00
maximum fee 2.50% handling fee

Charges –

  • Cash: 2.5% (min. £2.50)
  • Balance transfers and cheques: 2.5% unless we tell you otherwise
  • Overseas transactions: 2.75%
  • Copies of statements: £3.00
  • Copies of transactions: £5.00
Allocation of payments Payments you make will reduce your balance in the following order:

  1. Promotional balance transfers and fees
  2. Promotional purchases
  3. Interest, fees and charges
  4. Standard rate purchases and balance transfers
  5. Cash Balance

Additional Benefits –

  • Identity Protection Service – advice about protecting yourself from identity theft
  • Safer shopping with Fraud Protection – including chip and PIN, and watching for unusual spending on your account
  • Purchase Delivery Protection – protecting your online, phone or mail orders against loss or damage, from dispatch to door (excludes second-hand goods and services)
  • Emergency help when traveling abroad
  • A range of discounts, special offers and 2 for 1 deals are available from selected retailers including the following: Deals Thomas Cook – Hilton – Center Parcs – Domino’s Pizza – Debenhams – Phones4U – Dell – Avis and many more

 Issued By:

Barclaycard is a trading name of Barclays Bank PLC.

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