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Flexibility to make life easier

Great for purchases and balance transfers

Gold MasterCard credit card

Take control of your finances with the Yorkshire Bank Gold MasterCard credit card.

Overview
Benefits
Summary Box
  • Our best ever introductory purchase offer

    • 0% interest on purchases for 20 months from account opening
    • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
    • No annual fee

    Excludes balance transfers from existing Yorkshire or Clydesdale Bank credit cards

    Representative Example
    Rate of interest 18.9% pa (variable) Total amount of credit £1200 Representative 18.9% APR (variable)

    All credit facilities are subject to status. The actual credit limit assigned to your account will vary depending on our credit assessment of you.

  • Benefits

    Secure online shopping

    When you use your Yorkshire Bank Gold MasterCard to make an in-store purchase you have the security of chip and PIN. When you use it online, it’s backed by MasterCard SecureCode.

    SecureCode gives you an extra layer of protection when you use your card online. It uses an additional password that’s known only to you. If you haven’t got a SecureCode password yet, you’ll be asked to set one up when you make your first online purchase from a SecureCode retailer.

    Find out more

    Contactless logo
    Contactless

    Want to use your card for everyday purchases? No problem. Your Yorkshire Bank Gold MasterCard is a contactless card. This means you can use it to buy low value items — up to £20 per transaction — without having to enter your PIN.

    It’s safe and secure, and comes with an anti-fraud guarantee. You can use it wherever you see the contactless symbol.

    Find out more

  • Yorkshire Bank Gold MasterCard

    The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

    Representative Example
    Rate of interest 18.9% pa (variable) Total amount of credit £1200 Representative 18.9% APR (variable)
    Interest
    Rates
    Introductory
    Rate
    Monthly Rate Effective Annual Rate
    Purchases 0% (for 20 months) 1.456% 18.9%
    Cash Advances N/A 2.075% 27.9%
    Balance Transfers 0% (for 12 months) 0.945% 11.9%
    Interest-Free Period
    • Maximum 59 days for purchases if you pay your balance in full and on time
    • There is no interest free period for cash advances
    • Interest free period on balance transfers only apply to the introductory period
    • The 0% interest period starts from the date you open your card account. You may lose any introductory rates or promotional offers if you make payments late or miss payments.
    Interest
    Charging
    Information

    You will not pay interest on new purchases if you pay your statement balance in full and on time. Otherwise, the period over which interest is charged is as follows:

      From Until
    Purchases Date debited to your account Repaid in full
    Cash advances Date debited to your account Repaid in full*
    Balance transfers Date debited to your account Repaid in full

    * If you pay the balance in full, the interest charge for the period from the previous statement to the date of full payment will be debited the following month. If you default in the introductory period you will lose the benefit of any Introductory Rate and your account will incur interest at the Monthly / Annual Rate for the relevant balance. For further details please refer to your credit card terms and conditions.
    Allocation of Payments If you do not repay the entire balance on your account we will apply the amount you pay to the outstanding balance starting with those items to which the highest rate applies. For further details please refer to your credit card terms and conditions.
    Minimum Repayment Each month you must pay us at least the minimum payment set out in your statement. This will be an amount equal to the greater of:
    • All interest and default fees added to your account that month together with 1% of the remaining balance on your account or
    • £5 (or the statement balance if it is less than £5)

    Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
    Credit Limit Minimum Credit Limit - £500.00
    Maximum Credit Limit - Subject to status
    Fees No annual fee
    Charges Cash advances - Cash Fee 3% (minimum £3.00)
    Balance Transfers - 3% (minimum £3.00)
    Copies of Statements or Vouchers - £5.00
    Administration fee for returned cheques or Direct Debits - £10.00
    Foreign Usage Payment Scheme Exchange Rate Rates can be found at https://www.mastercard.com/global/currencyconversion/index.html
    One or more of the following may apply: Non-Sterling Transaction Fee - 2.95%
    Cash Fee - 3% (minimum £3.00)
    Default Charges Late payment or Over limit fees - £12.00

    Information correct as at 20th January 2015.

    ILLUSTRATIVE EXAMPLE - Yorkshire Bank Gold MasterCard

    You spend £1,000 on 1st January and make no other transactions. The following example highlights the difference between only paying the minimum and a fixed amount each month on your Credit Card

    Monthly Payment Minimum Payment each month £50 each month
    Without taking into account any introductory rates, how much interest will you be charged in the first year ? £149.72 £125.35
    How much interest will you be charged in the second year ? £145.49 £55.08
    How long would it take to clear the balance ? 18 years & 6 months 24 months

    Please note, the above example assumes the following:

    • Representative 18.9% APR Variable. It excludes introductory rates
    • The transaction takes place on 1st January and you make no further transactions
    • Your statement is produced on the 1st of each month
    • You always make a payment on the due date.

    Information correct as at 20th January 2015.

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