Introductory rate applies for life from account opening on balance transfers and credit card cheques (made within 60 days from the account opening date), the charges are 3% handling fee (min £3) on credit card cheques and balance transfers. Account can be managed online. Card is issued by MBNA Europe Bank Ltd, who reserve the right to issue a Standard Card which will have a lower credit limit. BT Credit Card Rewards are awarded as a discount on your applicable BT telephone bill at the rate of 1p for each £2 (but not part of) spent on the relevant BT Credit Card up to £250 spent on retail purchases per month or part of a month, and at the rate of 1p for each £1 (but not part of) spent on retail purchases over £250 in any one month. In any twelve month period, the maximum BT Credit Card Reward that can be earned using a BT Credit Card account is £75. No annual fee. There is an interest free period of up to 56 days for purchases, if you pay your balance in full and on time. Interest on cash and balance transfers will be charged on a daily basis from the date of transaction until your account is paid in full. For full details of how payments received are applied to your account please refer to the credit card agreement terms and conditions. Default Charges £12 for going overlimit, making late payments and for returned payments. See terms and conditions for more details.