The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR
Typical 24.9% APR variable
Other Interest Rates
Introductory Rate
Monthly Rate
Annual Rate
Retail Purchases
N/A
1.870% p.m
22.440% p.a
Cash Transactions2
N/A
2.130% p.m
25.555% p.a
Balance Transfers2
N/A
N/A
N/A
Interest Free Period
Interest free period on Retail Purchases applies to the introductory rate period (if any). Otherwise, maximum 56 days on Retail Purchases if you pay your balance in full and on time.
Interest free period on Balance Transfers only applies to the introductory rate period (if any). Otherwise, there is no interest free period on Balance Transfers or Cash Transactions.
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
To
Retail Purchases
Date added to Account
Repaid in full
Cash Transactions
Date added to Account
Repaid in full
Balance Transfers
Date added to Account
Repaid in full
Allocation of Payments
We will apply payments we receive to your account in the following order:
Insurance Premiums;
Interest, Charges or Fees (other than foreign currency fees)(in that order)
Balance Transfers (those with lower rates being paid first)
Retail Purchases (in the order they were added to your account)
Cash Transactions (those with lower rates being paid first)
Buy Now Pay Later Transactions (in the order they were added to your Account)
Foreign currency fees will be repaid in the same order set out above as the Transaction to which they relate. See the ‘Other Financial Information’ section of Credit Agreement for full details.
Minimum repayment
The full balance outstanding if it is less than £4.00, otherwise 4% (minimum £4.00) of the outstanding balance.
If you only make the minimum payment it will take you longer and cost you more to clear your balance.
Amount of Credit
Minimum credit limit
£400
Maximum credit limit
Subject to Status
Fees
No annual fee
Charges
Introductory Rate Balance Transfers
N/A
Special Transactions Balance Transfers - we will tell you the amount of the fee when offering these to you.
For further details, please refer to the Credit Agreement Additional Conditions
Default Charges
Late Payment Fee
£12.00
Administration Fee for returned cheques or direct debits
£12.00
Over limit fee
£12.00
Trace Fee
£25.00 (applied if you do not inform us of a change of address and we have to trace you)
Credit Balance Fee
Up to £10 (applied if you have a credit balance on your Account for three consecutive months)
2 Where permitted on the account
No Quibble Guarantee® In the unlikely event that you are not totally satisfied with your Mothercard, please call our Customer Services on 0871 522 5192 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras.) and take advantage of our No Quibble Guarantee. If you contact us within 60 days of opening your Account and then pay your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees (we may require the notification in writing). This guarantee is in addition to and does not affect any statutory rights that you may have.
Credit, subject to age and status, is provided by Santander Cards UK Limited. Registered office: 2 Triton Square, Regent’s Place London, NW1 3AN. Registered in England and Wales. Registered number: 1456283. Retailer is Mothercare UK Limited. Registered inEngland. Registered number: 533087. Registered address: Cherry Tree Road, Watford, Hertfordshire, WD24 6SH.
