Bank of Scotland Platinum Credit Card

Bank of Scotland have withdrawn the longest Bank of Scotland Platinum credit card from the UK market. The removal of this Bank of Scotland credit card was effective from 23rd February 2018.

Bank of Scotland Platinum Credit Card

The now withdrawn Bank of Scotland Platinum credit card had offered 0% for up to 36 months on balance transfers.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This withdrawn Bank of Scotland Platinum credit card had been issued by Bank of Scotland using the MasterCard payment system.

Bank of Scotland Platinum Credit Card

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% offers, which apply to both balance transfers and purchases.

The Bank of Scotland credit card range now has a smaller number of cards. With the shorter 0% introductory offers, 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 credit cards are available for online applications. These cards can offer longer 0% introductory offers than the current Bank of Scotland Platinum credit cards:-


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0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

NatWest Long Balance Transfer Credit Card
  • 0% on balance transfers for 28 months from account opening
  • 2.75% balance transfer fee
  • 0% interest for the first 3 months on purchases
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: £0
More Information

Application Criteria

NatWest Long Balance Transfer Credit Card
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 30 months
Balance Transfer Fee:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Balance Transfer Credit Card
  • 0% interest for up to 30 months on balances transferred within the first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest for the first 3 months on purchases
  • Internet fraud protection and Clicksafe
  • Apple Pay and Android Pay
  • Annual Fee: £0
More Information

Application Criteria

TSB Platinum Balance Transfer Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 26 months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on balance transfers for up to 26 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 0% interest on purchases for up to 26 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Sainsbury’s Dual Offer Credit Card
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
1%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Credit Card Details

Co-operative Bank Credit Card
  • 0% interest for 24 months for balance transfers made within 60 days
  • 1% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Co-operative Bank Credit Card
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have an annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

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, including hotels, shops and restaurants around the world that accept MasterCard credit cards.

0% Credit Cards Scotland

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 came with many additional perks. However, now most platinum credit cards, remaining in the UK market, are mainstream cards available to many more customers.


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