Barclaycard Platinum 28 Month Balance Transfer Visa review November 2019

Enjoy a long 0% interest period on balance transfers plus a low transfer fee with this platinum Barclaycard.

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).

28 months

0% interest on balance transfers


Representative APR


Account fee


Annual/monthly fees£0
Balance transfers0% for 28 months reverting to 19.9%
Balance transfer fee1.75% for transfers in first 60 days
Purchases0% for 6 months reverting to 19.9%
Purchases interest-free periodUp to 56 days
Cash advances27.9%
Min. credit limit£50
Max credit limitNot specified
Additional cards available1
IncentiveBuy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.

Transfer your outstanding balances to the Barclaycard Platinum 28 Month Balance Transfer Visa and enjoy big savings on interest payments for over two years. This is one of several balance transfer credit cards offered by Barclaycard, and despite not having the longest 0% interest period on the market, it has a lower transfer fee than some cards with longer 0% offers.

This card is offered by the visa network meaning it is accepted at over 20 million locations worldwide.

Pros and cons

  • Long interest-free period that you can use to repay previous debt
  • No annual fee
  • Exclusive discounts and pre-sale tickets for selected live events
  • Online banking and mobile app to manage your card
  • 2.99% fee on overseas transactions
  • Purchases are interest-free only for six months
  • Designed for saving you money on interest, there are few rewards for spending with this card.
  • Only available to new customers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 731 0200), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee 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 for the Barclaycard Platinum 28 Month Balance Transfer Visa

If you want to transfer an existing balance and enjoy 30 months interest free with this card, just click on the “Go to Site” button and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need so that you can make this process as easy as possible.

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