What is the Representative example?

The representative example is used as an indication of typical costs of a credit card. In some cases your actual credit limit and APR may vary depending on our credit assessment of you.


Purchase Rate is an interest charged when you buy things with your credit card. This is only applied to your balance if you don’t pay it in full by the end of interest free period (maximum of 56 days).

The Representative APR shows the annual percentage rate that’s used to work out how much it costs to borrow money. The APR includes any upfront fees spread over the period for which you borrow the money.

Assumed credit limit shows how much you can spend on your credit card. This is calculated based on your personal circumstances and it can vary from the figure shown on the Representative example. It’s important you don’t go over the credit limit to avoid additional fees.

Annual fee will be charged when you first use your credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.