Saga Platinum Credit Card - Summary Box
The information contained in this table summarises the key product features and is not intended to replace any terms and conditions. Typical Annual Interest Rates Purchases Cash Advance Balance Transfer Monthly Rates Purchases Cash Advance Balance Transfer Interest paid on Credit Balances (Gross p.a.)
15.9% APR (variable)
Introductory Rate 0.0%* n/a 0.0%* Introductory Rate 0.0%* n/a 0.0%* Ongoing Interest Rate 14.844% p.a. 19.608% p.a. 14.844% p.a. Ongoing Interest Rate 1.237% 1.634% 1.237%
No interest is paid on Credit Balances
*Introductory Rate is charged for the first six months from the date the Account is opened. At the end of the six months the Introductory Rate reverts back to the Ongoing Interest Rate applicable to the product at that time. For current rates please call us on 0845 603 5468 or visit saga.co.uk/credit-card Interest free period: Maximum 55 days if you pay your balance in full and on time. Interest Charging Information - The periods over which interest is charged are as follows: • Purchases - No interest is charged if the Account is settled in full by the payment due date. If the Account is not settled in full, interest is charged on the full balance from the transaction date of each purchase as shown on the customer Statement until full repayment is credited to the Account. • Cash Advances - No interest is charged if the Account is settled in full by the payment due date. If the Account is not settled in full, interest is charged from the date of the Cash Advance until that Cash Advance balance is settled in full. • Balance Transfers - Interest is charged from the date the transaction is charged to the Account until the transferred balance is repaid in full. Payments received will be deducted from the Outstanding Balance on the Account in the following order: • interest; • fees from previous Statements; • Cash Advances (including cash from a Cash Machine) from previous Statements; and • purchases from previous Statements. Allocation of payments The remainder (if any) will be applied to transactions on the current Statement in the following order: • fees; • Cash Advances; • purchases and Balance Transfers; and, • any other promotional offers. Minimum credit limit Minimum repayment Annual fee Handling Charges Cash Advance Fee Foreign Currency Charges 2% or a minimum of £2 of the amount of each Cash Advance. No charge is made for foreign currency transactions within the Visa Europe Region. Foreign currency transactions made in the rest of the world will be charged at 1%. For more details on the countries included in the Visa Europe Region, please contact our Customer Service department on 0845 603 5468, or visit saga.co.uk/credit-card 2% of the Balance Transfer amount. £5 per copy voucher. £5 per Statement. We may debit your Account with the following default charges: £10 on each occasion a cheque and / or Direct Debit has been presented for payment and been returned by your bank. £10 on each occasion you are late making at least the Minimum Payment by the payment due date. £10 on each occasion the Account is in excess of the agreed credit limit on the Statement date. Free 100 Day Purchase Protection. £500 3% of the outstanding statement balance, minimum £5, payable monthly. Not applicable
Balance Transfer Handling Fee Copy Voucher Fee Duplicate Statement Default Charges Returned Payment Fee Late Payment Fee Over Limit Fee Additional Features
Saga Personal Finance Limited is a wholly owned subsidiary of Saga Group Limited, and is registered in England No. 3023493. Registered Office: The Saga Building, Enbrook Park, Folkestone, Kent CT20 3SE. The Saga Platinum credit card is issued by Allied Irish Banks, p.l.c. Registered office: Bankcentre, Ballsbridge, Dublin 4, Republic of Ireland. Registered in the Republic of Ireland: Registered No. 24173. Allied Irish Banks, p.l.c. is regulated by the Financial Regulator in the Republic of Ireland.