Approval for any credit card will depend on your status. The APR shown represents 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.
Clydesdale Bank Gold Mastercard review
This card is no longer available, but you can use this page to compare alternatives.
As of September 2019, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from Clydesdale Bank and to compare similar cards from other issuers.
0% interest on balance transfers
0% interest on purchases
|Balance transfers||0% for 12 months reverting to 18.9%|
|Balance transfer fee||3% (min. £3)|
|Purchases||0% for 26 months reverting to 18.9%|
|Purchases interest-free period||Up to 59 days|
|Min. credit limit||£500|
|Max credit limit||Not specified|
|Additional cards available||3|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
If you have existing credit card debt and you’re looking to reduce the amount of interest you’re paying, a balance transfer deal could be a good idea.
Clydesdale Bank’s Gold Mastercard offers an introductory 12 months’ 0% interest on balances that you transfer to the new card. It might not be the longest 0% deal on the market, but crucially, the interest rate that your transferred balance reverts to at the end of the 0% period is unusually low. You should aim to clear your outstanding balance before the 0% period ends, but if there’s a chance you might not manage to, this card’s revert rate is less punishing than many on the market.
There’s also an introductory 0% deal on purchases you make using the card, so if you need to use the card for any major upcoming expenditure, you can spread the cost without incurring interest (at least for the first 26 months from account opening).
As this card is on the Mastercard network, it’s accepted in more than 35 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.
Compare Clydesdale Bank credit cards
Compare other cards with 0% purchase and balance transfer deals
When it comes to repayments, you can make manual repayments online or over the phone (0800 678 3320), 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|