Barclaycard OnePulse Credit Card with Balance Transfer

Barclaycard OnePulse is the only card to offer Oyster card, Credit and Cashless all in one card.

How the card works

Barclaycard OnePulse has three built-in functions, helping you to save time, money and hassle:

• It’s an Oyster card
  Use your Barclaycard OnePulse in the same way as a standard Oyster card, for the fastest and easiest way to travel around London. Remember, you’ll need to pre-load the card with pay as you go, Travelcard or a Bus Pass before you travel
• It’s a Credit card
  Shop with all the value, flexibility and security you’d expect from a Barclaycard credit card
• It’s a Cashless payment card
  Forget having to find cash for smaller purchases. OneTouch payments allows you to make purchases of £10 and under in an instant wherever you see the ‘wave symbol’.

Auto top-up

Set up Auto top-up from your Barclaycard OnePulse and we’ll automatically top up your Oyster pay as you go balance with £20 or £40 whenever it falls below £5. This means you’ll never have to queue to top up your Oyster pay as you go balance again

People choose Barclaycard because all customers could enjoy:

• Identity Protection Service - advice about protecting yourself from identity theft
• Safer shopping with Fraud Protection including Chip and PIN and monitoring your account for unusual spending
• Purchase Delivery Protection against loss or damage to online, phone or mail orders from despatch to door (second-hand goods and services excluded)
• Emergency help when travelling abroad
• Great holiday deals with our Travel Service
• Convenient online account management
• Emergency cash advance and credit card replacement service
• Opt in for text alerts five days before your payment is due
• 24 hour helpline

Important Information

Barclaycard reserves the right to withdraw this offer at any time. Terms and Conditions apply. Barclaycard is subject to application and status.

This offer is only available to new customers.

You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.

The following is a guide to call charges from landlines within the UK: Call charges info.

Think about Barclaycard OnePulse if you:

• Live, work or travel around London
• Have a good credit history
• Are 23 or over (If you are under 23 then consider applying for our Initial Credit Card)
• Have a permanent UK address for 3 months or more
• Have a regular income of more than £15,000 pa
• Haven't missed multiple payments on a credit agreement within the last 12 months
• Don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
• Aren't a student (are you a student?)

It’s good to know the plain facts about your Barclaycard. This Summary Box gives you clear information about the key features of your card.

Other rates	Introductory Rates	Monthly Interest Rate	Annual Interest Rate
Purchases	None	1.167%	14.9%
Cash withdrawals	n/a	2.075%	27.9%
Balance transfers	0% for 14 months with a 2.5% fee on transfers made within 60 days of account opening on amounts up to £5,000.	1.167%	14.9%

Purchases	From transaction date	Until paid in full
Cash withdrawals/Cheques	From transaction date	Until paid in full
Balance Transfers	From date of debit from your account	Until paid in full
	Even if you pay the balance in full, the interest charge for the period from the previous statement to the date of full repayment will be debited the following month. You will not pay interest on Default Charges for 28 days, starting from the date that you are given notice of the Default Charge.

Monthly Repayment	Minimum repayment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£134.50	£115.76	£82.42
How much interest will be charged in the second year?	£118.37	£44.54	None
How long would it take to clear the balance?	17 years 3 months	2 years and 2 months	1 year 1 month

Cancellation rights

You have a right to cancel this agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation, you may be required to pay interest or other charges under the terms of this Agreement.

Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority.

Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP

1. You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower, depending on the available credit limit on your account.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer. If we do allow you to transfer an amount over your balance transfer limit, this will be debited to your account and charged at 6.9% interest per annum untill paid in full. We will not charge a handling fee.
3. A 2.5% handling fee will apply to each 0% interest balance transfer you make.
4. We can't accept transfers from cards or loans issued by companies within the Barclays Group.
5. If you choose to close your account with other lenders, please let them know in writing.
6. You should continue to make payments to your other lenders until the balance has been confirmed.
7. Your monthly payments will reduce your promotional balances first (longest duration first). so you will be charged interest (where it applies) on other balance and new spending whilst your promotional balances are paid off. Obviously the more you pay back, the quicker your balances will be paid off.
8. If you do not make at least the minimum payment by the payment due date or if you exceed your credit limit at any time we will remove the promotional rate and revert to charging at your standard purchase interest rate (typical rate 14.9% APR variable).
9. This credit card balance transfer offer is only available when you apply online using this application form.
10. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account. Please see summary box and Barclaycard conditions about allocation of payments.