Transfer and purchase credit cards
With introductory rates on transfers and purchases, these cards could give you the best of both worlds.
Not sure how transfer and purchase credit cards work?
One card could have everything you need if you’re planning on making transfers, putting your everyday spends in one place, or spreading the cost of larger purchases. Transfer fees may apply.
Why use a transfer and purchase credit card?
- Keep track of your spending and transfers by putting them all in one place
- You could earn cashback with MBNA Smart Rewards
- Add it to your smartphone or digital wallets
- Section 75 protection on purchases of over £100 but not more than £30,000
Read our using your credit card guide if you’d like things explained in more detail.
-
- Online card management - check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
- Full fraud protection - you won’t be charged for transactions you didn’t authorise, as long as you tell us if you spot anything odd, or if you lose your card.
- Choose how you pay - make repayments through your bank, using your debit card, or set up a regular Direct Debit.
- UK call centres - call us if you need to talk to us about something on your account.
- Contactless cards - make secure payments wherever you see the contactless symbol. Add your card to your phone too, to make paying even quicker.
- Paperless monthly statements - get your monthly statements delivered to your inbox instead of your letter box.
Who it's for
You can apply for this card if you:
- are a UK resident aged 18 or over
- have a regular income
- don't have a history of bad credit, such as bankruptcy
- don't have an Individual Voluntary Arrangement (IVA) or County Court Judgments (CCJs)
- haven't been declined for an MBNA credit card in the last 30 days.
What other cards are available?
Ready to see which transfer and purchase credit cards you’re eligible for?
To see which cards you’re eligible to apply for and your estimated credit limit up front, try our eligibility checker.
It takes about 5 mins to complete and it won’t affect your credit score.
Let's take a closer look
-
A Transfer and Purchase credit card can help manage existing credit card balances, while also spreading the cost of new spending. Transfer fees may apply.
A standard advantage to using a credit card to make purchases is Section 75 protection. Most single item purchases of over £100 and up to £30,000 may be covered if something goes wrong. -
To take advantage of any promotional interest rates, you may need to make qualifying transfers within a set number of days from account opening. After that, the standard account interest rate would apply to further transfers, unless a new transfer offer is provided to you. Terms may vary, so always check any offer details carefully.
-
If there is an introductory offer on your purchases, you may need to make qualifying transactions within a set number of days from account opening. After that, the standard account interest rate would apply to further card purchases. Terms may vary, so always check any offer details carefully. Standard interest rates will also apply to any remaining balance once your promotional rates end.
-
Providing you don’t go over your credit limit, you can use a credit card for most things.
It’s important to remember that using a credit card may result in interest and other charges.
It’s also worth knowing that having a high credit card balance could affect your credit score over time.
If you do make a purchase, make sure you focus on repaying your balance as quickly as you can. That will also help you to minimise any borrowing costs.
Before you reach for your credit card to make a purchase, consider what you can reasonably afford to repay, and if you could wait and save up instead.
-
Instead of listing every credit card we offer, we’ll only show you cards you could apply for, so you can make an informed choice about which cards will suit your needs.
-
The right credit card for you depends on what you want to use it for, and on your personal circumstances. For example, if you want to combine existing card balances, then a balance transfer credit card might be useful.
We’d suggest reading through everything on this page and on our website, so you understand exactly which credit card is right for you. We also have a handy guide on choosing the right credit card.
-
A credit card can help you manage your finances, but it needs to be the right choice for your needs. Other borrowing options might be more suitable depending on what you need it for. -
When you use the eligibility checker, we only perform a soft search which won’t affect your credit score. This means it can’t be seen by other lenders and won’t affect applying for other products. If you go ahead and apply then we will do a full credit check. This will be noted on your credit file and may affect your credit score.
Useful information
To find out more about MBNA credit cards, and borrowing in general, read our understanding credit section.
You’ll find helpful guides on managing your credit card, transfers made easy, and in-depth information about how credit scoring works.
-
Draft credit card Terms and conditions (PDF, 355KB)
We'll send you a full set of terms and conditions specific to you once you’ve been accepted for the credit card.
-
Responsible lending
Lloyds is a responsible lender. We only want you to borrow what you can afford, in a way that’s best for you. The outcome of your credit card application depends on our assessment of your circumstances.
You can talk to a member of our team about the choices you've made. They’ll also be able to talk to you about your options if you’re experiencing financial difficulties.
A note on fraud
You won't have to pay us for any unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder. However you and additional cardholders must take all reasonable measures to protect your account.
You should never tell anyone your PIN. You can give suppliers your card details and won’t be liable if they misuse them. However if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.