More about aqua

The reason we’re here

Some time ago, we realised lots of people were being rejected by mainstream credit card companies. People who were new to credit cards. People who were self-employed and found it hard to prove a regular income. Hard-working people in jobs that didn’t pay a lot. Or people who’d had money troubles in the past and wanted to make a new start. We decided a lot more of them deserved the convenience and freedom of a credit card.

Helping people get credit since 2002

We launched the first aqua card in 2002 and since then we have said YES to over 1 million customers.
We look for reasons to say YES to someone who has applied for an aqua card and, on average, we say YES every 2 minutes!


A range of credit cards

We offer four different aqua Mastercards for people in different situations:

aqua start

aqua classic

aqua advance

aqua reward

All these cards, and the service that comes with them, can help you improve your credit rating. They have lots of other benefits, too.

Find out more

NewDay Ltd - the people behind aqua

All aqua credit cards are underwritten and managed by NewDay Cards Ltd, the UK’s leading specialist credit card provider. We look at each application individually, to see if there’s a way we can give you the credit you’re looking for.

Our registered details and more

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. The registered office for these companies is: Two Pancras Square, London N1C 4AG. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services. aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.

NewDay Ltd is a member of the Finance and Leasing Association (FLA) and it subscribes to the FLA’s Lending Code. NewDay Ltd also adheres to the Standards of Lending Practice which are independently monitored by the Lending Standards Board. For further information, or to see a full copy of the Standards of Lending Practice, please visit

Statement of lender and borrower responsibilities

Representative 35.9%APR (variable) on the aqua classic card.

Don't Forget

Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult. See more on Tips and advice