The card can be used in more than 24 million shops, hotels, restaurants, service stations and airlines the world over – and of course on the Internet.

Travel benefits
MasterCard offers many advantages both at home and abroad. Comprehensive travel benefits are available with some cards.

Additional cards
You can get additional cards for your spouse, partner or children over the age of 18 who live at home. Where charges apply for the use of the cards will appear on your MasterCard account.

Avoid annual fees
If you have a Northern Choice or Northern Freedom personal customer package, you can get a MasterCard Standard without the annual fee.

Gold card
If you are eligible for a Northern Choice Plus package, you can get a MasterCard Gold. There is a fee for the package. See the extra benefits that come with a MasterCard Gold.

Platinum Card
If you are eligible for a Northern Prestige package you are eligible for a Northern Platinum card.

* For security purposes and to improve our services, calls to this number may be recorded or monitored.

Important information
All credit facilities are subject to status, and applicants must be 18 years or over.

SUMMARY BOX – Northern Bank MasterCard Standard The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions
Typical 17.9% APR Variable
Other Interest Rates	Introductory Rate	Monthly Rate	Simple Annual Rate	EAR*
Purchases	0% (for 5 months from date of card issue) if we tell you in writing that you are entitled to an Introductory Rate	1.38%	16.56%	17.9%
Cash Advances	N/A	1.38%	16.56%	17.9%
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	1.38%	16.56%	17.9%
Interest Free Period	Maximum 59 days for purchases and balance transfers. In addition there is an interest free period on purchases and balance transfers during the introductory period. There is no interest free period on cash advances.

Interest Charging Information	The periods over which interest is charged are 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	Transaction 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	We will apply payments we receive to your account as follows: (i) Towards balances on which interest is charged at the Standard Rate; (ii) Towards balances on which interest is charged at any rate which is less than the Standard Rate; and (iii) Towards balances on which interest is charged at 0%. See ‘Other Financial Information’ section of the Agreement.
Minimum Repayment	Greater of 3% of outstanding balance or £5 each month. Please refer to ‘Key Financial Information’ in your Agreement for a more detailed description. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
Amount of Credit	Minimum credit limit of £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. Overseas transactions – 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 fee – £12. Administration fee for returned cheques or direct debits or other forms of payment for sums due – £10.