GM Credit Card

Published on 21 July 2012 by Raffick Marday

GM MasterCard credit card

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
Card Issuer
HFC Bank Limited.
Exclusive Features
Save on buying your next new Vauxhall or Saab

Minimum Age 18 years or over
Minimum Income none
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 28 million locations worldwide also with over 1.5 million ATM in over 210 countries where ever 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
5 months
14.9%APR variable
Balance Transfer
5 months
14.9%APR variable
n / a
Balance Transfer details
Fee percentage 2%
Minimum fee £5.00
maximum fee 2% handling fee
Charges - 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.

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.


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