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Using your card - purchases

There are loads of ways you can use your MBNA credit card to shop, whether you prefer the high street, surfing the net or like knowing regular payments are taken care of.


So let’s have a look at these in a bit more detail.

At the shops

Person using card - chip and pin

Chip and PIN…

You’re probably familiar with chip and PIN as it’s been around for a while now, and is still the most widespread way of paying just about everywhere you need to physically present your card, like shops and restaurants.

If you’re not sure what we’re talking about, it’s where you pop your credit card in a payment machine and input the 4 digit number sent to you when you opened your account.

Person using card - contactless

…or contactless and mobile devices

All MBNA cards are contactless as standard, so you can use them wherever you see the contactless symbol.  Or if using your smartphone or a mobile device to make payments sounds like your thing, the good news is you can add your MBNA card to any compatible device.

The current contactless limit on cards is £30. However, some retailers will accept payments for more than this amount on mobile devices – you’ll need to check with them beforehand.

Learn more

Person shopping online

Online shopping

You can use your card to shop online wherever Visa and Mastercard are accepted. Just follow the merchant’s instructions when you come to pay.

Learn more

In apps

Like using apps? Store your card securely to pay quickly whenever you want to.

Apple PayTM and Google PayTM can be used within apps to make payments too.

People shopping abroad

Shopping abroad

Your MBNA credit card also makes a great travel pal as it can be used in the same way for shopping overseas as it can at home. Remember though, we charge a non-sterling transaction fee for transactions made with your credit card abroad.

You’ll find lots of handy stuff in our guide to using your card abroad.

Person shopping over the phone

Over the phone

Sometimes you might need to pay someone by telephone, like to a garage or insurance company, or places that don’t accept online payments. Have your card to hand when you do this as you’ll need to give the long card number from the front, the expiry date and the 3 digit number from the back.

It’s really important you know who you’re talking to when you give out your card details over the phone, so make sure you only do this with reputable companies.

People using a laptop

Reassuringly regular

If you’ve got any regular payments – usually monthly, quarterly or annually – you can use your credit card to cover these too. These include things like satellite or internet TV subscriptions, gym memberships, insurance premiums or even mobile phone bills.

Credit Card Dispute

If you don’t get the goods or services you've paid for, they're not as described, or a retailer you've bought from goes into liquidation, we're here to help.

If you make card purchases, you will pay interest on these transactions, unless you pay your statement balance in full, every month or if you have a retail promotional interest rate of 0% on your account.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID and Apple Watch are trademarks of Apple Inc.

Google Pay is a trademark of Google LLC.

You will not be liable for fraudulent transactions online or on the high street (including contactless transactions).  Please tell us as soon as you notice any unusual transactions or you can’t find your card.