To apply for this credit card you must be a smile current account holder, a UK resident, aged 18 years or over and have a gross annual income of £10,000 or more. Subject to status.
Representative example: The advance of credit of £1,200 at an interest rate of 16.9% variable per annum will result in a rate of 16.9% APR representative variable.
Earn 0.25% cashback on every card purchase you make on your Smile classic credit card.
The cashback is paid one month in arrears, it's headed up "smile cashback" on your statement and is automatically deducted from your balance - so your bill is reduced.
Note: smile cashback is earned on all classic card purchases. It doesn't cover cash withdrawals, currency/traveller cheque purchases and credit card balance transfers. Your smile cashback will appear as "adjustment TC280" on your credit card recent items.
* With a smile classic credit card, not only do you get a great interest rate but you'll also earn cashback on all your purchases. Please refer to section 18 of the Terms and Conditions document.
If your card details are ever used by identity thieves, through no fault of your own, you won't be held liable for any loss
Your smile credit card is welcomed at over 22 million outlets worldwide and accepted by any Visa cash machine where you need to use your PIN number (see the Credit Card Tariff for charges)
You can request an additional card for someone you trust, should you want one to be issued
If your application is accepted, you will receive the exact rate and offer advertised on this card, so no hidden surprises for you to worry about
Before you apply for an account, you need to be sure it's the right one for you. The following documents supply important product and legal information you need to make a decision.
Please note, effective from 31st August 2016, your Terms and Conditions will be changing. A copy of the new Terms and Conditions and the Summary of Changes will be sent to you once your credit card application has been approved.