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Credit Cards

Great for purchases and
balance transfers

Our best ever introductory purchase offer
Summary Box
  • Gold MasterCard

    • 0% interest on purchases for 26 months from account opening
    • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
    • Contactless card – the easy way to make payments under £20
    • MasterCard SecureCode — for safer online shopping

    Excludes balance transfers from existing Clydesdale or Yorkshire 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.

    Apply online

  • Benefits

    Secure online shopping

    Your Clydesdale Bank Gold MasterCard uses chip and PIN for secure in-store purchases. When you shop online, you’re protected by MasterCard SecureCode.

    With SecureCode you’ll have an additional layer of protection when you buy online. With an extra password that’s only known to you, it helps us all to combat online fraudsters.

    Find out more

    Contactless logo

    Contactless is the fast, simple way to use your card for purchases up to £20. There’s no need to use your PIN — just hold your card over the contactless reader to complete the sale.

    It’s secure too. Our anti-fraud guarantee means you’re covered if someone uses your contactless card fraudulently. Use it wherever you see the contactless symbol.

    Find out more

  • Clydesdale 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)
    Monthly Rate Effective Annual Rate
    Purchases 0% (for 26 months) 1.453% 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.

    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
    Foreign Usage Payment Scheme Exchange Rate Rates can be found at
    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 26th August 2015.

    ILLUSTRATIVE EXAMPLE – Clydesdale 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 ? £149.41 £125.08
    How much interest will you be charged in the second year ? £145.19 £54.91
    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 26th August 2015.

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