Bank of Scotland have withdrawn the longest Bank of Scotland Platinum credit card from the UK market.
The now withdrawn Bank of Scotland Platinum credit card had offered 0% for up to 36 months on balance transfers. The card had a 3% balance transfer and a representative 19.9% APR variable. This Bank of Scotland credit card also had an offer of 0% for 3 months on purchases from account opening.
This Bank of Scotland Platinum Mastercard with a very long 0% introductory offer has not been replaced since it was removed back in February 2018.
Bank of Scotland Platinum Mastercard
Several of the remaining Bank of Scotland Platinum credit cards have also recently had their 0% introductory offers reduced in length. These cards now have much shorter 0% introductory credit card offers, which apply to both balance transfers and purchases.
The Bank of Scotland credit card range now also has a smaller number of cards. There are currently only 2 cards available and these cards now have shorter 0% introductory offers. As a result, Bank of Scotland is now no longer as competitive in the UK card market.
Customers looking for 0% credit card deals in Scotland, as well as in the rest of UK, still have a number of alternative credit cards available with competitive offers.
The following featured cards are available for an online credit card application. These cards can offer longer 0% introductory offers than the current Bank of Scotland Platinum Mastercard:-
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- 0% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for 3 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for up to 18 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% on balance transfers for up to 12 months
- 2.9% balance transfer fee
- 0% on purchases for up to 12 months
- Credit limit up to £8,000
- Online account management
- Annual Fee: None
- You are a UK resident
- You have a bank or building society account
- You are aged 18 or over
- 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for 3 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
Customers do not need to be a Bank of Scotland customer to apply for any of these 0% credit cards. Customers with an existing Bank of Scotland Platinum Mastercard can make a balance transfer to any of the above credit cards.
All of the above 0% credits cards are accepted at millions of locations in the UK, and around the world. This includes the many hotels, shops and restaurants that accept Mastercard or Visa credit cards.
Bank of Scotland Credit Card
Bank of Scotland are not the only bank in Scotland to have withdrawn their leading Platinum Mastercard credit cards.
The Royal Bank of Scotland had also withdrawn 0% offers on their range of Platinum credit cards. In fact, Royal Bank of Scotland had no 0% introductory offers available on their range of credit cards for several years.
RBS, along with NatWest credit cards, announced at the end of February 2014 that the Royal Bank of Scotland would no longer offer 0% introductory offers to new customers.
Platinum credit cards, were originally a top level credit card. These cards were harder to get approved for and traditionally came with larger credit limits, like a credit card with a 5000 limit for example. These cards also came with many additional perks. However, now most platinum credit cards, remaining in the UK market, are mainstream cards available to many more customers.
This remaining Bank of Scotland Platinum credit card is issued by Bank of Scotland using the Mastercard payment system. Mastercard credit cards are widely accepted around the world.