All credit facilities are subject to status and are available only to UK residents aged 18 or over. Introductory rate of 0% applies for 6 months on purchases and for 9 months on balance transfers from date of account opening. Balance transfers must be made within 90 days of account opening. There is a handling fee of 3% (minimum £3) for balance transfers and cheques. Card issued with smart and the Woodland Trust which helps to restore ancient woodland in the UK. Upon first use of your smart Credit Card, smart will donate £20 to the Woodland Trust which will be used to restore 100m2 of ancient woodland in the UK - an area equivalent to over 25 smart cars parked next to each other. 20% off membership to the Woodland Trust and sign up to paperless statements. Account management available online. APR’s may vary depending on your personal circumstances. For £6.95 a month, identitycare will help you take steps to protect your identity and spot fraudulent activity in your name. Protection for online purchases. No annual fee. At the end of the 6 months introductory period for purchases there will be an interest free period of up to 59 days for purchases if you pay your balance in full and on time. Interest on cash will be charged on a daily basis from the date of transaction even if account is cleared in full each month. Interest on balance transfers will be charged on a daily basis from the end of any intro period. For full details of how payments received are applied to your account please refer to the credit card agreement terms and conditions. A default charge of £12 will apply for late payments, exceeding credit limit and for returned payments. See terms and conditions for more details.