aqua start


Representative exampleYour interest rate for purchases is 49.94% p.a variable with a representative 49.9% APR variable if you borrowed £300 and repaid it over 12 months Start

If you’ve never had a credit card in the UK before, you may find it hard to get one from the banks. That’s because you haven’t got a ‘credit history’ – a record of how you’ve got on with credit previously. 

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With aqua start you can begin building a good credit history, by keeping to your credit limit and making your repayments on time.

Why not apply? Unlike some, we look for reasons to say “yes” rather than “no”.

  • No annual fee
  • The aqua MasterCard is accepted at over 35.9 million places worldwide
  • Start with a manageable credit limit between £100-£300 – which could go up later
  • No interest on what you buy, if you pay the full amount on time each month
  • Text reminders, so you need never miss a payment
  • Our UK-based customer helpline
  • Manageable monthly payments and ability to change your payment date
  • You can run your account online
APROther APR's
Representative 49.9% APR (variable) APR’s (variable) 59.9% & 69.9%
Other Interest Rates
  Introductory Rate Monthly Rate Annual Rate
Purchases N/A 3.433% or 3.992% or 4.518% 49.94% or 59.95% or 69.95%
Cash Advances N/A 3.992% or 4.518% or 5.018% 59.95% or 69.95% or 79.95%
Balance Transfers N/A 3.433% or 3.992% or 4.518% 49.94% or 59.95% or 69.95%

We may apply the standard interest rate to transactions before the end of the special promotion period if in any month you do not make at least your minimum payment by the payment date or if you exceed your credit limit at any time.

Interest Free Period
  • Maximum 51 days for purchases if you pay the full balance shown on your previous and current statement on time.
  • There is no interest free period on cash advances or balance transfers.
Interest Charging Information

You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged is as follows:

  From Until
Purchases Date debited to your account Paid in full
Cash Advances Date debited to your account Paid in full
Balance Transfers Date debited to your account Paid in full
Allocation Of Payments

If you do not pay off your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Please see Condition 2.2 of your credit card terms and conditions for further details.

Minimum Repayment

Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any interest, default sums plus 1% of the balance shown on your statement (minimum £5.00, or the full balance if less than £5.00) plus the amount of any arrears, which are repayable immediately. Any over limit amount is also repayable immediately.

Credit Limit
Minimum Credit Limit £100
Maximum Credit Limit Subject to status
No annual fee.
Cash Advance Fee 3% (£3 minimum)
Balance Transfer Fee 3% (£3 minimum)
Foreign Usage
Payment Scheme Exchange Rate Indicative rates can be found at
One or more of the following may apply:
Non-Sterling Transaction Fee 2.95%
Cash Fee 3% (£3 minimum)
Default Charges
Late Payment Fee £12
Over Limit Fee £12
Returned Payment Fee £12
Cost Of Borrowing
Interest Explained - based on the representative APR for purchases as indicated above

We would not recommend paying only the minimum payment. Only making the minimum payment maximises the interest you will pay and length of time it will take to clear your balance, as highlighted in the example below.

Illustrative example For a purchase of £300 on your credit card...
Monthly Payment Minimum Payment each month £50 each month
Taking into account any introductory rates, how much interest will you be charged in the first year £119.00 £47.00
How much interest will you be charged in the second year? £105.00 0.00
How long would it take to clear the balance? 11 years, 5 months 8 months

The above example assumes the following: The transaction takes place on 1st January and you make no further transactions. You always make the payment each month on the 15th. Your statement is produced 31 days after you make the purchase.

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