Amazon Platinum Mastercard review

This card is no longer available, but you can use our review to find alternatives.

The Amazon Platinum Mastercard has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).

Earn 1 point

per £1.33 spent with select partners

Earn 1 point

per £4 spent elsewhere

Up to 2,000 points

Intro bonus


Representative APR


IssuerNewDay Ltd
Annual/monthly fees£0
Balance transfers21.94%
Balance transfer fee5%
Purchases0% for 3 months reverting to 21.94%
Purchases interest-free periodUp to 56 days
Cash advances31.94%
Minimum credit limit£500
Maximum credit limitNot specified
Additional cards available3
IncentiveEarn 1.5 Amazon reward points per £2 spent at Earn 0.5 Amazon reward point per £2 spent elsewhere. Whenever your Amazon reward points reach 1,000 a £10 Gift Card will be automatically linked to your account. For Amazon Prime members - earn 3 Amazon reward points per £2 spent at and earn 0.5 Amazon Reward point per £2 spent elsewhere.
Introductory Rewards£20 Amazon gift card on approval

Review by

Chris Lilly is a publisher at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Amazon has teamed up with the established card issuer New Day (the brand behind a number of UK retail-affiliated cards) to offer this straightforward but rewarding deal. In fact, ever ahead of the curve, Amazon started offering a credit card long before fellow US behemoth Apple jumped on the plastic bandwagon.

What makes this card more appealing than many other retail credit cards, is the simple fact that Amazon is, um, doing rather well. To get the best out of any branded loyalty card, you need to be a very regular customer, which, in Amazon’s case, is pretty much everybody.

The easy mistake with rewards credit cards, however, is not paying off your balance in full each month. Sounds obvious right? But if you don’t, you’ll pay more in interest than you earn in rewards. If you need to spread the cost of a large expenditure, there are plenty of more suitable cards available.

Buried in the small-print for this card is the minor detail that if you’re signed-up for Prime, you’ll earn points on Amazon spending at double the rate (each Amazon Reward Point is worth a penny) – a fairly significant perk given the way that Prime membership seems to be fast-becoming the norm.

Pros and cons


  • Earn Amazon Reward Points on purchases though Amazon or elsewhere.
  • Amazon gift card for new cardholders.
  • Increased points earn-rate for Amazon Prime customers.
  • 0% on purchases for introductory period.
  • No annual fee.


  • Foreign transaction fees.
  • Balance transfer fee.

Other reward cards

Table: sorted by representative APR, promoted deals first
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Rewards Offer Mastercard
2 points per £1 spent
1 point per £5 spent
19.9% APR (variable)
Check eligibility
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Credit Card
1 point per £1 spent
1 point per £5 spent
21.9% APR (variable)
Check eligibility
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
M&S Bank Credit Card Transfer Plus Offer Mastercard
1 point per £1 spent
1 point per £5 spent
21.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Santander All in One Credit Card
0.5% cashback
0.5% cashback
£3 per month
24.7% APR (variable)
Check eligibility
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
American Express® Platinum Cashback Everyday Credit Card
1% cashback
1% cashback
26% APR (variable)
Check eligibility
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply

Sorry – NewDay Ltd is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

Frequently asked questions

What credit limit will I get with the Amazon Platinum Mastercard?

If NewDay Ltd is able to offer you this deal, the offer will specify a personalised credit limit based on NewDay Ltd's assessment of your situation. The minimum limit offered on this card is £500 and NewDay Ltd does not specify a maximum. Once you've had the card for a while and shown NewDay Ltd that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Amazon Platinum Mastercard?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Amazon Platinum Mastercard is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 31.94%, which is 46% more than the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Amazon Platinum Mastercard abroad?

Non-sterling transactions are subject to a 2.75% charge. For example, if you spend 200 euros (£178.56), it'll cost you around £4.91 in fees.

What is the minimum payment on the Amazon Platinum Mastercard?

Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt.

Can I request an additional Amazon Platinum Mastercard?

Yes, in fact, you can request up to 3 more. There's no fee for additional cards. Plus, with additional cards, you could earn points at a faster rate. Bear in mind that card debt accrued by additional cardholders is the sole responsibility of the account holder – not the additional cardholder.

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  1. Default Gravatar
    May 4, 2019

    On a salary of 55.000 pa
    1. Can I balance transfer
    2. What would be my limit available
    3. Partner earns 36.000 pa can be a name partner on the card.

    • Avatarfinder Customer Care
      May 5, 2019

      Hi Lee,

      Thanks for getting in touch! It’s good to know that you’re looking to do a balance transfer. Your credit limit will be given after you have applied and been approved of the credit card. As a friendly reminder, read the eligibility criteria, features, and details of the card, as well as the Product Disclosure Statement and Terms and Conditions of the card before making a decision and consider whether the product is right for you.

      Hope this helps!


  2. Default Gravatar
    March 27, 2019

    Will I be charged for a cash advance from cash dispensers?

    • Avatarfinder Customer Care
      March 28, 2019

      Hi Sally,

      Thanks for reaching out! Yes, there is a 31.94% cash advance fee when you use this card. Hope this helps!


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