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.
Compare Danske Bank credit card review February 2020
The straightforward credit card for existing Danske Bank customers that's, well… a bit standard.
Balance transfer fee
|Balance transfers||0% for 5 months reverting to 22.85%|
|Balance transfer fee||0%|
|Purchases||0% for 5 months reverting to 22.85%|
|Purchases interest-free period||Up to 59 days|
|Min credit limit||£250|
|Max credit limit||Not specified|
|Additional cards available||3|
With its biggest selling point being its simplicity (there’s a single rate of interest applicable for all repayments), this card might appeal to those purely seeking a bit of payment flexibility each month.
Provided you don’t carry a balance from month to month, you’ll enjoy up to 59 days of 0% interest on your purchases each billing cycle. So if you buy something at the start of the billing cycle, you can pay it off at the end of the cycle, without having to pay for the privilege. However, this doesn’t apply to cash advances (that’s when you withdraw cash using your card).
Realistically, if you have a specific purpose in mind, such as spreading the cost of an upcoming expenditure or minimising the amount of interest you’re paying on existing card debt, there are cheaper options out there.
If you already have an outstanding card debt with another bank, you could take advantage of this card’s 5-month 0% balance transfer deal, and bring your balance across to get a break from interest. Remember that if you don’t clear your balance in full within the 5 months, any outstanding balance will start to accrue interest at the card’s standard rate.
Key details, features and benefits
As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.
How does this card compare with other similar cards on the market?
When it comes to repayments, you can make manual repayments online or over the phone (0800 660033), 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 Danske Bank Mastercard Standard
If you have compared cards and want to apply, completing the secure online application form takes about 15 minutes. Existing customers can simply log in to eBanking to access the form.