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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Bank of Scotland have withdrawn the longest Bank of Scotland Platinum credit card from the UK market.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The now withdrawn Bank of Scotland Platinum credit card had offered 0% for up to 36 months on balance transfers.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This withdrawn Bank of Scotland Platinum credit card had been issued by Bank of Scotland using the MasterCard payment system.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 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% 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
More Information

Application Criteria

HSBC Balance Transfer*
  • 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
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Credit Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% 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: None
More Information

Application Criteria

Co-operative Bank Balance Transfer
  • 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 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)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 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
More Information

Application Criteria

HSBC Purchase Plus*
  • 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
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
34.9% APR (variable)
More Information

Credit Card Details

Capital One Balance Transfer
  • 0% on balance transfers for up to 18 months
  • 3% balance transfer fee
  • 0% on purchases for 3 months
  • Credit limit up to £86000
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Capital One Balance Transfer
  • You are a UK resident
  • You have had credit cards in the past
  • You are a home owner
  • You have an income of more than £20,000 per year
  • You are aged 18 or over
More Information
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.94% 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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Published: September 13, 2019, Updated: March 26, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily