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									Credit Cards


          Credit cards
          to help life run
          more smoothly.
    Manage your money
    with the right credit card.

    Paying with a Bank of         Our range of cards also come with many
                                  useful features to help you manage your
    Scotland credit card is a     money, consolidate your finances and
    convenient and secure way     give you extra security when shopping
                                  online. It just depends on what you’re
    to pay – over the phone, on   looking for. Please read the following
    the high street or online.    pages for details of all of our credit cards
                                  and what makes each one different. You’ll
                                  find all the information you need to make
                                  the correct choice.


                                  All our credit cards offer:
                                  • Secure password protected online
                                    shopping with Bank of Scotland Secure
                                    – go to bankofscotland.co.uk/
                                    creditcards for more information.
                                  • An online fraud guarantee so you can
                                    manage your account securely online
                                    whenever you like – more details are at
                                    bankofscotland.co.uk/aboutonline
                                  • A free additional card on your account
                                    for any family member aged 18 or over
                                    who lives at home with you.




1
Which is best
for me?

You’ll have your own ideas about what you want from
a credit card which is why we have a range to choose from.
That way you can be sure you’ll get the right card for you.

  Our best                        All in One Card
                                  Spread the cost of your spending and consolidate
  all-rounder card                existing credit card balances with great 0% introductory
                                  offers on purchases and balance transfers (3% balance
                                  transfer fee).
                                                Typical   17.9% APR (variable)

  The card                        Student Card
                                  Stay in control of your money with free text
  for students                    alerts and a credit limit to suit you.

                                                Typical   17.9% APR (variable)

  The card with                   Charity Card
                                  Spend on your card and we’ll donate to your choice
  a conscience                    of either Cancer Research UK or Scottish SPCA.

                                               Typical    12.9% APR (variable)

Exclusives Card: Making your money go further
Bank of Scotland Exclusives can make        Ultimate Reward Current Account, then
your money go even further. If you pay      ask us about our Exclusives Credit Card
£1,000 or more a month into your Bank       offer. You’ll get an extra three months
of Scotland current account, agree to       at 0% on your purchases compared
switch your main bank account to us         to our normal high street offer, giving
using our switching service and pay in      you 0% interest on purchases for
£1,000 or more a month or have an           a whole year.

                                                  Typical   17.9% APR (variable)
                                                                                             2
    Our All in One Card
    in more detail.

     All in One Card


     What you use your card
     for is entirely up to you,
     which is why the All in
     One Card gives you a
     great all-round package
     of benefits.
     • 0% on your purchases                    • No annual fee.
       for the first 9 months.
                                               • Great shopping and
     • 0% for the first 9 months on any          leisure discounts at
       balances you transfer from other          bankofscotlandoffers.co.uk
       credit or store cards in the first 90
                                               • Your card comes in black, pink,
       days. We charge a 3% fee for each
                                                 red, white or blue. Just tell us what
       transfer you make.
                                                 colour you’d like.
     • 0% on your purchases boosted
                                               To benefit from 0% interest you must
       to the first 12 months for current
                                               stay within your credit limit and make
       account customers who qualify
                                               your monthly payments on time.
       for Bank of Scotland Exclusives
                                               Balance transfers from Bank of Scotland
       (see page 2).
                                               or Halifax cards won’t be eligible for
     •	 Typical   17.9% APR (variable).        the 0% rate and will be charged at the
                                               appropriate interest rate.
     • No interest charged on purchases
       when balance paid on time and
       in full each month.

                                                   See page 9 for more details




3
Student Card
in more detail.

 Student Card


 This card lets you
 stay in control of your
 student finances.




 • We’ll start you with a £500                • No interest charged on purchases
   credit limit that can be lowered             when balance paid on time and in
   if you wish.                                 full each month.
 • You’ll get free text alerts with           • No annual fee.
   monthly payment date reminders
                                              Your weekly balance text will include
   and weekly balances.
                                              any of your transactions that are
 • Typical   17.9% APR (variable).            showing on your account. Please bear
                                              in mind that some transactions won’t
 • You pick your card colour — black,
                                              appear on your account instantly.
   pink, red, white, blue or yellow splash.
 • You get great discounts — go to
   bankofscotlandoffers.co.uk/
   student

                                                 See page 10 for more details


                                                To apply for either of these cards:

                                                Just talk to our in-branch team or
                                                ring us on 08457 29 39 49

                                              Lines open weekdays 8am – 10pm and weekends 8am – 7pm.



                                                                                                       4
    Our Charity Card
    in more detail.

      Charity Card


     Help others every
     time you spend. Every
     purchase you make
     results in a donation by
     Bank of Scotland to
     either Cancer Research
     UK or Scottish SPCA.

                                        • No interest charged on purchases
     • You choose who you’d like to
                                          when balance paid on time and in
       support – Cancer Research UK
                                          full each month.
       or SSPCA
                                        • No annual fee.
     • We’ll donate 0.5% of all
       purchases made with your         • Great shopping and
       card to your chosen charity.*†     leisure discounts at
                                          bankofscotlandoffers.co.uk
     • Typical 12.9% APR
       (variable).

     • No balance transfer fee.



                                          See page 11 for more details




5
Choose who you would like to support




The Scottish SPCA relies entirely on                                Cancer Research UK carries out world-class
voluntary funding. By using our card you                            research to improve our understanding
will generate essential income to rescue                            of cancer and find out how to prevent,
and rehabilitate injured, abused and                                diagnose and treat different kinds
neglected pets, farm animals and wildlife.                          of cancer.
Scottish Charity no. SC 006467.                                     Registered Charity Number 1089464.




                                                                       To apply:

                                                                       Just talk to our in-branch team or
                                                                       ring us on 08457 29 39 49

                                                                    Lines open weekdays 8am – 10pm and weekends 8am – 7pm.




* SSPCA: We will donate 0.50% of all purchases you make with your card. If, at the end of any quarterly period, your account
  is closed, lost or stolen, or you are in breach of your account conditions, no donations in respect of that quarter will be made.
  The quarterly periods are the periods commencing: 1 January, 1 April, 1 July and 1 October. For account conditions visit
  www.bankofscotland.co.uk.
† CRUK: We will donate 0.50% of all purchases you make with your card. The 0.50% donation on purchases: excludes purchases
  refunded to your account; will not be made in respect of purchases in any month where, at the end of that month, your account
  is closed, overlimit or your minimum payment is overdue; will not be made in respect of purchases in any quarter unless you
  have made a purchase in the 90 days prior to the end of that quarter. The quarters are the periods commencing:
  1 January, 1 April, 1 July and 1 October.




                                                                                                                                      6
    Added security.
    Card Care
    If you lose your cards or they’re stolen,
    Card Care will cancel all your debit, credit
    or store cards and order replacements.
    • Emergency cash advance for a hotel
      bill payment and for replacement travel
      tickets. This is subject to status and you’ll
      need to pay the advance back in one
      calendar month.
    • Cover for up to £100 of personal money.
    • Cover up to £50 if your bag, wallet or
      purse is lost or stolen with your cards in it.
    • Cover for replacing your driving licence
      if it’s lost with your cards.
    To apply for cover, ask the adviser when
    you activate your card. Terms, conditions
    and exclusions apply. This insurance is
    underwritten by St. Andrew’s Insurance plc.




7
Important Information.
About your credit limit                      Customer service
Once we’ve decided your credit limit         We do all we can to provide you with
we’ll write to tell you what it is. Before   the service you want and expect. But we
we give you a credit limit we’ll assess      know sometimes things can go wrong.
your ability to repay the debt. We may       If you do ever have a complaint or a
change your credit limit under the Bank      problem relating to your credit card,
of Scotland Credit Card Conditions.          we want to know. You can either talk to us
Credit is available to UK residents aged     in branch or call us on 08457 29 39 49.
18 or over, subject to status.               If you feel that we haven’t done enough
                                             to resolve your complaint, please call
Your APR explained                           our Customer Complaints Helpline on
                                             08457 25 35 19. And if that still leaves
As we treat all our customers on an          things unresolved you may then want
individual basis, the APR and interest       to contact the Financial Ombudsman
rates we offer on some of our products       Service. If you’d like a copy of our
will depend on the details you supply        complaints procedure, please ask
and an independent verification of           at any branch.
your credit and repayment history.
Your personal APR will be a rate as shown
in the product summary box. Two thirds
of our customers are offered our best
and typical variable APR for each
product. We will let you know your
interest rate as soon as we have
assessed your application.

It’s good to know…
You have a right to cancel your credit
card agreement under both the Consumer
Credit Act 1974 and the Financial Services
(Distance Marketing) Regulations 2004.




                                                                                          8
    Summary Box: Bank of Scotland All in One Card
    The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

    APR                          •		Typical	17.9% APR (variable)
                                 •			 ates	from	17.9% APR variable to 25.9% APR variable, depending on individual circumstances.
                                    R
    INTEREST                                              Introductory rate                Monthly rate                Annual rate
    RATES                      Purchases                     0% for first 9 months             1.385%, 1.667% or 1.941%      17.95%, 21.95% or 25.95%
                               Cash Advances                 n/a                               2.075%                        27.95%
                               Balance Transfers             0% for first 9 months on balances 1.385%, 1.667% or 1.941%      17.95%, 21.95% or 25.95%
                                                             transferred in first 90 days
                               We may apply the standard interest rate during any special promotion period to any transaction if in any month
                               you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit
                               at any time.

    INTEREST-FREE                 I
                               •			f	you	pay	your	balance	in	full	and	on	time	each	month,	you	will	not	be	charged	interest	on	purchases.	
                                  See Section 3.4 of your conditions for full details.
    PERIOD
                               •		There	is	no	interest-free	period	on	cash	advances	or	balance	transfers.


    INTEREST                   If you pay your total balance in full and on time each month, you will not be charged interest on purchases.
                               Otherwise the period over which interest is charged is as follows:
    CHARGING
    INFORMATION                                              From                                                            Until
                               Purchases                     Date debited to your account                                    Paid in full
                               Cash Advances                 Date debited to your account                                    Paid in full
                               Balance Transfers             Date debited to your account                                    Paid in full
                               All other amounts             Date debited to your account                                    Paid in full

    ALLOCATION                 If you do not pay your balance in full we will allocate your payments to balances with the lowest interest rate
                               before balances with higher interest rates. See Section 3.6 of your conditions for full details.
    OF PAYMENTS
    MINIMUM                       E
                               •			 ach	month,	if	the	balance	is	£5	or	more,	you	must	repay	whichever	is	the	greater	of	1%	of	the	amount	you	owe	
                                  us or an amount equal to the total of any Credit Card Repayments Cover Premiums, interest (or the minimum
    REPAYMENT
                                  interest charge), overlimit and late payment fees plus £5.
                               •		Each	month,	if	the	balance	is	less	than	£5	then	you	must	repay	the	full	amount.

    CREDIT LIMIT               Minimum Credit Limit          £500                              Maximum Credit Limit          subject to status

    FEES                          N
                               •			 o	annual	fee

    CHARGES                    Cash Advance Fee              3% (at least £3)                  Copy Statement Fee            £5
                               Foreign Exchange              2.95%                             Statement Date                £5
                               Commission                                                      Change Fee
                               Balance                       3% or minimum £3                  Processing any foreign        £10
                               Transfer Fee                                                    currency payment to us
                               Minimum Interest Charge       50p (in any month where          Stopped Cheque Fee             £10
                                                             interest charge is between       (other than lost or stolen)
                                                             1p and 50p)

                               For further details please refer to your conditions.

    DEFAULT                    Late Payment Fee              £12                               Returned Payment Fee          £12
    CHARGES                    Overlimit Fee                 £12                               Letter Fee                    n/a




    Cost of borrowing — interest explained — based on the typical APR for purchases as indicated above
    We would not recommend paying only the minimum payment. Only making the minimum payment maximises the interest you will pay
    and length of time it will take to clear your balance, as highlighted in the example below.
    Illustrative example                               For a purchase of £1,000 on your credit card…
    Monthly payment                                    Minimum payment each month                           £50 each month
    Taking into account any introductory rates,        £37.74                                               £22.08
    how much interest will you be charged in the
    first year?
    How much interest will you be charged              £144.63                                              £33.46
    in the second year?
    How long would it take you to clear the balance?   16 years                                             2 years
    This example assumes the following:
    •		The	transaction	takes	place	on	the	fi  	rst	date	of	agreement	and	you	make	no	further	transactions.
    •		You	always	make	the	payment	each	month	on	the	15th.
    •	 Your	statement	is	produced	31	days	after	you	make	the	purchase.	
    Credit is available subject to status to UK residents over 18 from Bank of Scotland plc. Registered in Scotland no. SC327000.
    Registered office: The Mound, Edinburgh EH1 1YZ.




9
Summary Box: Bank of Scotland Student Card
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

APR                          •   Typical 17.9% APR (variable)

INTEREST                                                    Introductory rate              Monthly rate                    Annual rate
RATES                        Purchases                      n/a                            1.385%                          17.95%
                             Cash Advances                  n/a                            1.805%                          23.95%
                             Balance Transfers              n/a                            1.385%                          17.95%

INTEREST-FREE                • If you pay your balance in full and on time each month, you will not be charged interest on purchases.
                               See Section 3.4 of your conditions for full details.
PERIOD
                             • There is no interest-free period on cash advances or balance transfers.

INTEREST                     If you pay your total balance in full and on time each month, you will not be charged interest on purchases.
                             Otherwise the period over which interest is charged is as follows:
CHARGING
INFORMATION                                                 From                                                           Until
                             Purchases                      Date debited to your account                                   Paid in full
                             Cash Advances                  Date debited to your account                                   Paid in full
                             Balance Transfers              Date debited to your account                                   Paid in full
                             All other amounts              Date debited to your account                                   Paid in full

ALLOCATION                   If you do not pay your balance in full we will allocate your payments to balances with the lowest interest rate
                             before balances with higher interest rates. See Section 3.6 of your conditions for full details.
OF PAYMENTS
MINIMUM                      • 5% or £5 each month, whichever is more.
REPAYMENT
CREDIT LIMIT                 Minimum Credit Limit           £100                           Maximum Credit Limit            £500

FEES                         • No annual fee

CHARGES                      Cash Advance Fee               3% (at least £3)               Copy Statement Fee              £5
                             Foreign Exchange               2.95%                          Statement Date                  £5
                             Commission                                                    Change Fee
                             Balance                        n/a                            Processing any foreign          £10
                             Transfer Fee                                                  currency payment to us

                             Minimum Interest Charge        50p (in any month where        Stopped Cheque Fee              £10
                                                            interest charge is between     (other than lost or stolen)
                                                            1p and 50p)

                             For further details please refer to your conditions.

DEFAULT                      Late Payment Fee               £12                            Returned Payment Fee            £12
CHARGES                      Overlimit Fee                  £12                            Letter Fee                      n/a




Cost of borrowing — interest explained — based on the typical APR for purchases as indicated above
We would not recommend paying only the minimum payment. Only making the minimum payment maximises the interest you will pay
and length of time it will take to clear your balance, as highlighted in the example below.
Illustrative example                               For a purchase of £500 on your credit card…
Monthly payment                                    Minimum payment each month                           £50 each month
Taking into account any introductory rates,        £69.81                                               £45.79
how much interest will you be charged in the
first year?
How much interest will you be charged              £44.79                                               £0
in the second year?
How long would it take you to clear the balance?   5 years, 5 months                                    1 year, 2 months
This example assumes the following:
• The transaction takes place on the first date of agreement and you make no further transactions.
• You always make the payment each month on the 15th.
• Your statement is produced 31 days after you make the purchase.
Credit is available subject to status to UK residents over 18 from Bank of Scotland plc. Registered in Scotland no. SC327000.
Registered office: The Mound, Edinburgh EH1 1YZ.




                                                                                                                                               10
Summary Box: Bank of Scotland Charity Card
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

APR                          • Typical 12.9% APR (variable)
                             • Rates from 12.9% APR variable to 21.9% APR variable, depending on individual circumstances.

INTEREST                                                     Introductory rate              Monthly rate                    Annual rate
RATES                        Purchases                       n/a                            1.017%, 1.385% and 1.667% 12.92%, 17.95% or 21.95%
                             Cash Advances                   n/a                            2.075%                          27.95%
                             Balance Transfers               n/a                            1.017%, 1.385% and 1.667%       12.92%, 17.95% or 21.95%
                             We may apply the standard interest rate during any special promotion period to any transaction if in any month
                             you do not make at least your minimum payment by the minimum payment date or if you exceed your credit
                             limit at any time.

INTEREST-FREE                The interest free period applies only to purchases if you pay the balance in full and on time. See section 3.4 of the
PERIOD                       terms and conditions for full details. There is no interest free period on cash advances and balance transfers.

INTEREST                     We charge you interest on all transactions from the date we first charge the amount to your account. However,
                             if you pay your total balance in full and on time each month, you will not be charged interest on purchases. If you
CHARGING
                             do not pay the total balance shown on your statement each month, we will add the interest charged to your next
INFORMATION                  statement balance.
                                                             From                                                           Until
                             Purchases                       Date debited to your account                                   Paid in full
                             Cash Advances                   Date debited to your account                                   Paid in full
                             Balance Transfers               Date debited to your account                                   Paid in full
                             All other amounts               Date debited to your account                                   Paid in full

ALLOCATION                   If you do not pay your balance in full we will allocate your payments to balances with the lowest interest rate before
OF PAYMENTS                  balances with higher interest rates. See Section 3.6 of the terms and conditions for full details.

MINIMUM                      • Each month, if the balance is £5 or more, you must repay whichever is the greater of 1% of the amount you owe us
                               or an amount equal to the total of any Credit Card Repayments Cover Premiums, Interest (or the minimum interest
REPAYMENT
                               charge), overlimit and late payment fees plus £5.
                             • Each month, if the balance is less than £5 then you must repay the full amount.

CREDIT LIMIT                 Minimum Credit Limit            subject to status              Maximum Credit Limit            subject to status
FEES                         • No annual fee

CHARGES                      Cash Advance Fee                3% (at least £3)               Copy Statement Fee              £5
                             Foreign Exchange                2.95%                          Statement Date                  £5
                             Commission                                                     Change Fee
                             Balance                         n/a                            Processing any foreign          £10
                             Transfer Fee                                                   currency payment to us
                             Minimum Interest Charge         50p (in any month where        Stopped Cheque Fee              £10
                                                             interest charge is between     (other than lost or stolen)
                                                             1p and 50p)
                             For further details please refer to the account terms and conditions.

DEFAULT                      Late Payment Fee                £12                            Returned Payment Fee            £12
CHARGES                      Overlimit Fee                   £12                            Letter Fee                      n/a




Cost of borrowing — interest explained — based on the typical APR for purchases as indicated above
We would not recommend paying only the minimum payment. Only making the minimum payment maximises the interest you will pay
and length of time it will take to clear your balance, as highlighted in the example below.
Illustrative example                               For a purchase of £1,000 on your credit card…
Monthly payment                                    Minimum payment each month                            £50 each month
Taking into account any introductory rates,        £119.46                                               £97.20
how much interest will you be charged in the
first year?
How much interest will you be charged              £112.14                                               £32.66
in the second year?
How long would it take you to clear the balance?   16 years, 10 months                                   2 years, 1 month
This example assumes the following:
• The transaction takes place on the first date of agreement and you make no further transactions.
• You always make the payment each month on the 15th.
• Your statement is produced 31 days after you make the purchase.
Credit is available subject to status to UK residents over 18 from Bank of Scotland plc. Registered in Scotland No. SC327000.
Registered Office: The Mound, Edinburgh EH1 1YZ.




                                                                                                                                                       11
We’re here to help.
Our advisers are here to talk you           When you are ready to apply for a
through our credit cards in more detail.    credit card, we’re ready to help you.
They’ll guide you through the things you
need to know to help you choose which
one is right for you.




   What to do next to apply for a credit card

           In branch
           Apply in person — talk to our in-branch team

           By phone
           Call 08457 29 39 49
           We’re open weekdays 8am – 10pm and weekends 8am – 7pm




                                                                                    12
Other ways we can help.
We can also help with Personal Loans,
Savings and Bank Accounts. To find out more,
just choose one of the ways below to contact us:

    In branch
    Talk to a member of our in-branch team

    Personal Loans
    Call us on 08457 20 30 49
    or visit bankofscotland.co.uk/loans

    Savings
    Call us on 08457 26 36 46
    or visit bankofscotland.co.uk/savings

    Bank Accounts
    Call us on 08457 21 31 41
    or visit bankofscotland.co.uk/bankaccounts


If you have a hearing or speech impairment, you can use Typetalk whenever you contact us,
or contact us using Textphone on 08457 32 34 36 (lines open 9am – 5pm, 7 days a week).

For visually impaired customers, we can provide documents in large print,
Braille or in audio format. Please speak to a member of staff.
Credit cards, loans and bank accounts are provided subject to status to UK residents aged 18 or over.
We subscribe to the Lending Code; copies of the code can be obtained from www.lendingstandardsboard.org.uk


Bank of Scotland plc. Registered in Scotland no. SC327000.
Registered office: The Mound, Edinburgh EH1 1YZ.
Authorised and regulated by the Financial Services Authority.




Compliance: 16594.0

1/4520074-9 (0810)

								
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