Gold MasterCard Credit Card
0% interest on balance transfers
for 12 months (3% balance transfer
fee applies)
With a new Gold MasterCard credit card from
Clydesdale Bank, you won’t pay any interest
on your balance transfers for 12 months
or your purchases for the first 3 months.
No interest on purchases and balance transfers
Apply today for a new Clydesdale Bank Gold MasterCard and you could enjoy:
- 0% for 12 months – on balance transfers. (3% balance transfer fee applies)
- 0% for first 3 months – on all purchases
- No annual fee – helping to save you money
- Secure online shopping – with MasterCard SecureCode
Typical 16.9% APR variable
Get the most from your new card
The 0% interest period starts from the date you open your card account. Make the most of the savings by transferring balances and making purchases as soon as you get your card.
It’s the only credit card you’ll ever need
Remember, you can use your credit card at millions of outlets worldwide. If you need money in a hurry, you can even use it at any cash machine with the MasterCard symbol, although charges apply.
A Clydesdale Bank Gold MasterCard offers you much more than a great interest rate:
- It’s easy to apply – apply for your credit card online, by telephone or at any Clydesdale Bank branch
- Secure – we keep you safe, using the latest chip and PIN anti-fraud technologies, and extra security checks for online purchases
- Up to 59 days’ interest free – on all purchases when you pay off your balance in full each month
- Optional insurances available – covers your payments and the loss of your cards
- Free additional cards – for your family members
For your security, calls may be monitored or recorded.
Minimum credit limit £500, maximum credit limit subject to status.
When applying for your credit card, set up a Direct Debit as this will ensure that you avoid any late payments and fees - it's free and takes away the hassle.
Information correct as at 1st November 2009.
Apply for a Gold MasterCard today
There are three ways to apply for a new Clydesdale Bank Gold MasterCard:
- Online – Apply online (opens in a new window)
- By phone – call us on 0800 22 24 26
- At your nearest Clydesdale Bank branch (opens in new window)
Phone opening hours are: Monday to Friday - 8am - 8pm, Saturday - 9am - 5pm, Sunday - closed. Calls may be monitored or recorded.
Before you apply
To make your application process as easy as possible, it’s a good idea to have the following information handy:
- Your bank account details
- Your yearly salary before tax, and your monthly take-home pay
- Details of your monthly outgoings, such as your mortgage, rent and loans
- Details of any other credit cards, store cards or overdraft balances that you want to transfer to your Clydesdale Bank Gold MasterCard
Making your payments
When you apply for your credit card, why not set up a Direct Debit? You can pay the outstanding balance in full or a fixed amount each month. This helps you avoid any late payments and fees - it's free and takes away the hassle. You must make at least the minimum payment every month.
Eligibility
To apply you must be at least 18 years of age, resident in the UK, and not an existing National Australia Bank Group Credit Card customer.
Cards are subject to status and conditions. Written quotations are available on request. Typical 16.9% APR variable. The APRs and fees may vary. At the end of the introductory rate the select rate will apply.
For your security, calls may be monitored or recorded.
Minimum credit limit £500, maximum credit limit subject to status.
Information correct as at 1st November 2009.

SUMMARY BOX - Clydesdale Bank Gold MasterCard
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
Typical 16.9% APR Variable
| Interest Rates | Introductory Rate | Monthly Rate | Annual Rate | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Purchases | 0% (for 3 months) | 1.313% | 15.76% | |||||||||||||||
| Cash Advances | N/A | 2.075% | 24.9% | |||||||||||||||
| Balance Transfers | 0% (for 12 months) | 0.945% | 11.34% | |||||||||||||||
| Credit card cheques | N/A | 1.313% | 15.76% | |||||||||||||||
| 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
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| Allocation of Payments | If you do not pay off your balance in full we will apply payments you make to your account firstly to pay off interest, any fees or charges and insurance premiums. We will then pay off other transactions in date order, paying off the oldest first, but where they have been outstanding for the same length of time, we will pay these off in the following sequence – 1) Balance Transfers 2) Credit Card Cheques 3) Purchases 4) Cash Advances Within the above order we will pay off transactions on which we charge lower rates of interest before those on which we charge higher rates of interest. |
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| Minimum Repayment | • The minimum payment is an amount equal to or at least 2.5% of the outstanding statement balance (or 3.0% where a Profile Rate is applicable to your card) or £5, whichever is greater. • Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more. |
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| Credit Limit | Minimum Credit Limit - £500.00 Maximum Credit Limit - Subject to status |
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| Fees | No annual fee | |||||||||||||||||
| Charges | Cash advances – 3% (minimum £3.00) Balance Transfers – 3% (minimum £3.00) Foreign Currency Transactions (including purchase of foreign currency and travellers cheques) – 2.95% Copies of Statements or Vouchers – £5.00 Administration fee for returned cheques or Direct Debits – £10.00 |
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| Default Charges | Late payment or Over limit fees – £12.00 | |||||||||||||||||
Information correct as at 1st November 2009.
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 ? | £131.92 | £112.30 |
| How much interest will you be charged in the second year ? | £124.73 | £47.09 |
| How long would it take to clear the balance ? | 15 years & 7 months | 24 months |
Please note, the above example assumes the following:
- Typical 16.9% 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.
For your security, calls may be monitored or recorded.
Minimum credit limit £500, maximum credit limit subject to status.
When applying for your credit card, set up a Direct Debit as this will ensure that you avoid any late payments and fees - it's free and takes away the hassle.
Information correct as at 1st November 2009.
How to apply
- Telephone: 0800 22 24 26
(Monday - Friday 8am - 8pm,
Saturday - 9am - 5pm,
Sunday - Closed)
- Find your nearest branch (opens in a new window)
- 8.9% APR typical for loans from £7,500 to £25,000
Find out more



