Credit Cards

No nasty surprises. If your application's successful, you'll always get the exact rate advertised.

Classic Credit Card

Representative example

Preferential rate for smile current account holders:

19.9% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 19.9% per annum (variable).

Standard rate for customers without a smile current account:

23.9% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 23.9% per annum (variable).

Key features

  • minimum £200 credit limit
  • no annual fee
  • 0.25% cashback on purchases

Important to know

  • you must have a smile current account to be eligible for the preferential rate of 19.9% per annum (variable) for purchases and balance transfer - if you don’t have a smile current account you can apply for one and if accepted the preferential rate will be applied automatically
  • whilst additional cardholders may hold a smile current account, it is the main cardholder that must have a smile current account in order to be eligible for the preferential rate
  • if you do not hold a smile current account or close your account, the interest rate will be our standard rate of 23.9% per annum on purchases and balance transfers.
  • you can read the full eligibility criteria below

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Gold Credit Card

Representative example

Preferential rate for smile current account holders:

15.8% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 15.8% per annum (variable).

Standard rate for customers without a smile current account:

21.9% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 21.9% per annum (variable).

Key features

  • minimum £300 credit limit
  • no annual fee

Important to know

  • you must have a smile current account to be eligible for the preferential rate of 15.8% per annum (variable) for purchases and balance transfer - if you don’t have a smile current account you can apply for one and if accepted the preferential rate will be applied automatically
  • whilst additional cardholders may hold a smile current account, it is the main cardholder that must have a smile current account in order to be eligible for the preferential rate
  • if you do not hold a smile current account or close your account, the interest rate will be our standard rate of 21.9% per annum on purchases and balance transfers.
  • you can read the full eligibility criteria below

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Compare

Product Classic Credit Card Gold Credit Card
Preferential rate for smile current account customers 19.9% Interest per annum (variable) on purchases and balance transfers 15.8% Interest per annum (variable) on purchases and balance transfers
Standard rate for customers without a smile current account 23.9% Interest per annum (variable) on purchases and balance transfers 21.9% Interest per annum (variable) on purchases and balance transfers
Interest per annum on cash withdrawals 27.9 % 27.9 %
Cashback 0.25% cashback on purchases No cashback
Fee No annual fee No annual fee
Credit limit Minimum credit limit of £200 Minimum credit limit of £300

Eligibility criteria

All credit cards are subject to the following eligibility criteria:

Credit card terms explained

APR (Annual Percentage Rate) is an illustration of the cost of borrowing over a year taking into account the interest rate and any additional fees. You can use the APR to compare the cost of similar products.

The representative examples can enable you to compare the costs across different products and providers.

Variable and fixed rates, when a rate is advertised as variable, it means that it could go up or down.

Fixed means your interest rate won’t change for a set period of time. You should always check to see how long your fixed rate lasts.

Per annum is a quicker way of saying ‘for each year’. It’s usually used to explain how interest is calculated and charged.

Gross annual income is the amount you make each year, before tax.

Cashback, with some credit cards, you can get money paid back to you on the things you buy. Cashback on purchases is normally placed into your account as credit, either monthly or yearly.

Cashback on purchases isn't the same as cashback you'd get on your debit card. That comes out of your account and acts like a withdrawal instead of a refund.

A County Court Judgment (CCJ) is a court order which may be registered against you if you don't repay any money you owe. Having a CCJ registered against you will impact on your credit score.

An Individual Voluntary Arrangement (IVA) is an agreement between you and your creditors to help you pay off all or part of the money you owe. You agree to make regular payments to an insolvency practitioner, who divides this money between your creditors.

Credit check is where we check your credit history, which includes carrying out searches through a Credit Reference Agency.