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First PREMIER Bank Gold MasterCard®/Visa

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GM MasterCard®

HFC Bank

A new "immediate credit
card care" service is
available now. Our advisers
are ready to answer all of
your questions.

Card Highlights:

Card Category:	Consumer
Card Type:	Unsecured
Required Credit Rating:	Excellent / Good
Issuing Country:	United Kingdom

Available Rewards:

For explanation of each icon click here

Miles	Cash	Points	Charity

About:

0% p.a. on all purchases and balance transfers, fixed for the first 5 months from account opening.
No Annual Fee.
Typical 14.9% APR variable.
Free additional Card.
Rebate Points are earned at the rate of 3% of your spend.
1 Rebate Point is equivalent to a £1 saving off the price of your new Vauxhall or Saab.
100 free Rebate Points when you use your GM Card for the first time (the equivalent to £100 saving off your new Vauxhall or Saab).

Credit Card Rates

Purchases:

Introductory APR:	0%
Introductory Period:	5 months
Ongoing APR:	14.9%
Default APR:	see terms
Minimum Grace Period:	56 days
Minimum Finance Charge:	£5

Balance Transfers:

Introductory APR:	0%
Introductory Period:	5 months
Ongoing APR:	14.9%
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	£5

Cash Advances:

Introductory APR:	n/a
Introductory Period:	n/a
Ongoing APR:	23.9%
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	£5

Credit Card Transaction Fees

Balance Transfer Fees:

Minimum:	£5
Fee Rate:	2%
Maximum:	n/a

Cash Advance Fees:

Minimum:	£3
Fee Rate:	2.5%
Maximum:	n/a

Foreign Exchange Fees:

Minimum:	n/a
Fee Rate:	3%
Maximum:	n/a

Credit Card Other Fees

Initial Fees:

Setup Fee:

£0

Maintenance Fees:

Annual Fee:

£0

Penalty Fees:

Late Payment Fee:

see terms