Alliance & Leicester Platinum

Online applications only. Introductory rate applies for 12 months from account opening on balance transfers and credit card cheques and for 3 months on purchases, the charges are 3% handling fee (min £3) on credit card cheques and balance transfers. Card is issued by MBNA Europe Bank Ltd, who reserve the right to issue a Standard Card which will have a lower credit limit. Optional Payment Protection Cover. Free worldwide Customer Satisfaction Helpline. Account can be managed online. No annual fee. After the 3 months intro period for purchases 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 will be charged on a daily basis from the date of the transaction until you pay your bill in full. Interest on balance transfer 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 payment of £12 will be charged for going over limit, late payments and for returned payments. See terms and conditions for more details.