MasterCard Standard

Northern Bank's MasterCard Standard is a credit card that means you don't have to carry cash and can provide extra credit when you need it.

You can use Northern's MasterCard at over 24 million locations worldwide to pay for a range of goods and services or use your card to withdraw cash at banks and cash machines.

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You can contact us at any time of the day

For further information please read our Terms and Conditions (PDF).

Correct as at 1st January 2012.

Representative Example
22.9% EAR Variable
No annual fee
£1,200 Total amount of credit
Representative 22.9% APR

SUMMARY BOX – Northern Bank MasterCard Standard The information contained in this table summarises key product features
APR	Representative 22.9% APR Variable
Interest rates		Introductory Rate			Monthly Rate	Annual Rate
	Purchases	0% (for 5 months from date of card issue) if we tell you in writing that you are entitled to an Introductory Rate			1.73%	20.76%
	Cash advances	Not applicable			1.73%	20.76%
	Balance transfers	0% (for 5 months from date of card issue) if we tell you in writing that you are entitled to an Introductory Rate			1.73%	20.76%
Interest free period	Maximum 59 days for purchases and balance transfers if you pay your balance in full and on time. In addition there is an interest free period on purchases and balance transfers during the introductory period if we tell you in writing. There is no interest free period on cash advances.
Interest charging information	You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged will be as follows:
		From		Until
	Purchases	The date by which you must make your minimum payment as shown in your statement for the month in which the transaction is made.		Repaid in full
	Cash advances	The date your account is debited (this appears on your statement as the interest date).		Repaid in full**
	Balance transfers	The date by which you must make your minimum payment as shown in your statement for the month in which the transaction is made.		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 repayment will be debited the following month.
Allocation of payments	If you do not pay off your balance in full, we will allocate payments we receive to your account in the following order: Towards balances on which interest is charged at the Standard Rate; Towards balances on which interest is charged at any rate which is less than the Standard Rate; and Towards balances on which interest is charged at 0%. See condition 3.5 of the terms and conditions that apply to your Agreement
Minimum repayment	Greater of 3% of current balance, or the total of interest and default charges on the statement plus 1% of the current balance (less interest and default charges), or £5, each month. If you only make the minimum payment it will take longer and cost more to clear your balance.
Credit limit	Minimum credit limit		£250
	Maximum credit limit		Subject to status
Fees	No annual fee
Charges	Cash advances^		2% with a £2 minimum
	Copies of statements		£5 each
	Copies of transaction vouchers		£5 each
	Transactions not in sterling		2.75% (including purchases of foreign currency and travellers’ cheques)
	Emergency cards and emergency cash		£20 (if you should ask us to issue an emergency card or emergency cash to you)
Default charges	Late payment charge		£12

^ Maximum daily withdrawal limit at cash machines is £500 per day.
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