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Tandem Cashback Credit Card

Tandem Cashback Credit Card
Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
18.9% APR 18.9% 18.9% £0

Reward scheme details

Earn 0.5% on every purchase above £1 at home and abroad. No foreign transaction fees. Nothing added ontop of Mastercard base exchange rate. No fees for withdrawing cash abroad (but interest charged from day 1).

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (fixed), representative 18.9% APR (variable). Credit available subject to status.

Tandem Bank Limited customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score
n/a n/a n/a

Not rated

n/a = sample size is too small.

We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account £13,000
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility See T&Cs and summary box.
Minimum age to open an account 18

Intro balance transfers

Rate period 0 months
Annual interest N/A
Fee N/A
Fee min N/A
Fee max N/A
Limit period days N/A

Intro purchases

Rate period 0 months
Annual interest N/A

Standard balance transfers

Annual interest 6.9%
Fee 0.0%
Fee min N/A
Fee max N/A

Standard purchases

Annual interest 18.9%

Standard cash

Annual interest 18.9%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 25
Monthly payment min % 1.0%
Monthly payment min £ £5

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £0

Foreign usage

Foreign usage fee (Europe) 0.0%
Foreign usage fee (worldwide) 0.0%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 2.5%
Minimum charge £3

Available to manage

Online Yes
Branch No
Telephone Yes

Reward schemes

Reward is charity donation No
Reward is cash back Yes
Reward is Airmiles No
Reward is points Yes
Reward is vouchers No
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

Tandem Bank Limited repay balances with the highest interest rate, before repaying those with lower rates. Tandem Bank Limited will always pay off existing balances that appear on your bill before newer transactions.