Free
credit card
Earn epic rewards with our free credit card
Earn points on everyday spending. Redeem them for rewards you鈥檒l actually use. With no FX fees abroad.
Purchase rate
31.60% (var)
Rep. APR
31.6%
听(惫补谤)
Based on a
拢1,200 limit
Borrow responsibly. 18+ and UK only. T&Cs apply.
Our Free Credit Card, at a glance
1x
points
1 point for every 拢1 spent
No fees on spend abroad
Award-winning app features
Up to 拢15,000 in credit
Plus your鈥welcome offer
+1,000
points
When you spend 拢1,000 in 30 days
Turn points into dining, shopping, and travel you鈥檒l actually love.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
Over 300 partners. Millions of ways to live a little better.
(Just some member favourites, past and present)
Your spending has been holding out on you. Here's what it could earn.
Free Debit Card
monthly spend
拢1,500
each year get either
Dining
+拢342
Shopping
+拢414
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Airport Lounges
+拢270
Entertainment
+拢360
Flights
+拢144
Cashback
+拢90
Based on maximum redemption rates on our Free Debit Card.鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Debit Card.鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Free Credit Card (
31.6%
聽APR var.).鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Credit Card (
65.1%
聽APR var.).鈥ˋctual value varies by reward and how you redeem.
Purchase protection on your big buys
You get Section 75 Purchase Protection on purchases over 拢100. Terms apply.
拢1,200 at Airbnb
Get your credit score moving
If you pay off your card regularly and on time, you can improve your credit score.
Apply for a credit line up to 拢15,000
Spend on your card each month, then get 15-days interest free to pay us back.
Purchase rate
31.60% (var)
Rep. APR
31.6%
听(惫补谤)
Based on a
拢1,200 limit
Top-up with your own money
Got a bigger payment coming up than your credit line allows? No biggy. Top up your account with your own money if you want to. Same credit card, more ways to spend.
Turn everyday spend into Asia Miles
Five 黑料论坛 points gets you one Asia Mile.
Convert your 黑料论坛 points into Asia Miles and let them take you somewhere worth talking about. So every coffee, dinner, and late-night delivery is quietly building your next adventure.
Lounge access, unlocked
Because delays are painful enough without sitting on a plastic chair next to a crying baby. Book airport lounges in the UK and around the world with your 黑料论坛 card.
Compare our credit cards
Features
Free
full
Per 拢1 spent
1x
5脳
No fees abroad
Use points on flights
Travel insurance
Welcome points*
1,000pts
10,000pts
Monthly fee
拢15
Rep. APR
31.6%
65.1%
*When you spend 拢1,000 in your first 30 days
All the fancy features you鈥檙e used to鈥
Top-notch in-app customer support
Spend breakdowns
Flexible recurring payments
Split the bill with friends
Easily freeze and replace your card
Real-time notifications
And some you鈥檝e鈥never seen before鈥
Swipe to use your points
Send points to friends on 黑料论坛
Still unsure?
There are no stupid questions
Is this an actual credit card?
Yep. The 黑料论坛 credit card works just like other credit cards you might have used. You spend with your credit line, then pay us back each month
Does applying impact my credit score?
You can check if you鈥檙e eligible without impacting your score. Once you choose to apply, we鈥檒l perform a hard check on your credit profile.
Is it a Mastercard?
Yep. We run on Mastercard, so we鈥檙e accepted at over 44 million locations around the world. Unlike some cards...
Is 黑料论坛 a bank?
No. But we鈥檙e a regulated financial institution. And we partner with a bank so any money you hold with us is FSCS Protected.
What is the new member welcome offer?
If you鈥檙e on free credit, you鈥檒l earn welcome points when you spend in your first month. Here鈥檚 how it works:
Spend 拢200 鈫 +200 points
鈥Spend 拢500 鈫 +300 points
鈥Spend 拢1,000 鈫 +500 points
鈥You can earn up to 1,000 welcome points in total. After that, you鈥檒l keep earning points from everyday spending. Spend responsibly.
Earn 1pt for every 拢1
Earn epic rewards with our free credit card
See if you鈥檙e eligible before applying in just a few minutes, and it won鈥檛 hurt your credit score.
18+ and UK only. T&Cs apply. Borrow responsibly.
Purchase rate
31.60%
听(惫补谤)
Rep. APR
31.6%
听(惫补谤)
Based on a
拢1,200 limit
Compare our credit cards
Free
full
Important information
Monthly fee
拢15
Cancel anytime
Up to 拢10,000 credit limit
Representative APR
31.6%
65.1%
Interest rate
31.60%
28.67%
Welcome points*
1,000pts
10,000pts
rewards
Per 拢1 spent
1pt
5pts
Per 拢1 spent at Experiences 聽(Up to)
5pts
25pts
% Back at Experiences 聽(Up to)
0.5%
2.5%
% Cashback
0.5%
Access to Experiences
Some
All
Use points on flights
Travel
Worldwide travel insurance
No fees abroad
Free withdrawals abroad
拢150/day
In-app trip summaries
Mastercard widely accepted
Everyday Essentials
Digital card
Free physical card
Apple & Google Pay
Debit account to top-up with your money
Purchase protection
Send points to friends
In-app customer support
Award-winning app
*Welcome points are earned when you spend 拢1,000 in your first 30 days
Earn up to 1,000 welcome points!
Welcome points are earned based on the membership you choose, and your spend in the first 30 days:
Spend 拢200
+200pts
Spend another 拢300
+300pts
Spend another 拢500
+500pts
For new members only.
Get 拢10 to spend on almost聽anything
Joining 黑料论坛 means unlocking the good stuff from day one. As a welcome, we鈥檒l cover your first eligible 拢10 spent on your 黑料论坛 card on groceries, restaurants, coffee shops, pubs, entertainment, flights or hotels in your first 7 days.
For new members only. .