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Ryan Air Credit Card
Ryan Air Credit Card
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Ryan Air Credit Card |
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Interest rate 15.9% APR (variable). |
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No annual fee |
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Spend £250 on your card within 90 days of the account opening and we'll give you a return Ryanair flight to a destination of your choice. |
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Spend £1,000 on your card in a calendar quarter to receive one return flight to a European destination of your choice. |
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Introductory balance transfer rate of just 1.9% p.a. - available for nine months from the date your account is opened. |
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Card Features
Standard Interest Rate
Typical rate 15.9% APR (variable).
Apply online for the Ryanair.com Credit Card and take advantage of the Return Flight Give-away! As long as you spend £250 on your card within 90 days of the account opening, you'll receive a return flight to a European destination of your choice from the European countries available. But the Return Flight Give-away doesn't end there. You can then earn up to 8 additional flights each year! All you have to do is spend £1000 on your card in a calendar quarter to receive one return flight or spend £3000 in a calendar quarter to receive a pair of return tickets to a destination of your choice.
Balance Transfer Rate
An outstanding introductory balance transfer rate of just 1.9% p.a. - available for nine months from the date your account is opened.
Manage your account online
View your balance, credit limit and your last six months' transaction history online, all from the comfort of your home.
No annual fee to pay
There is no liability or excess to pay for theft, loss or fraudulent Internet use - as long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account.
Enjoy up to 56 days interest free - on card purchases, when you pay your statement balance in full and on time each month.
Free Purchase Protection Insurance* - most major purchases between £50 and £1,000 will be covered against accidental damage or theft for up to 100 days if you pay for them in full using your card.
Your card is now accepted at over 20 million retail outlets and over 630,000 ATMs - in most countries throughout the world.
Free 24 hour worldwide Customer Satisfaction Helpline - wherever you are, whenever you need them, our Customer Satisfaction Representatives are just a free phone call away.
Optional low cost Payment Protection Cover - your repayments can be safeguarded against life's unpredictable events - accident, sickness or involuntary unemployment - all for just 72p per £100 of your statement balance.
Summary
Typical APR: Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate: 1.9% p.a. on balance transfers and credit card cheques for nine months from account opening (0.1610% monthly), provided you operate your account within the terms and conditions.
Other rates: 15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 22.9% p.a. (variable) on cash transactions (including money transfers) (1.7366% monthly).
Interest free period: Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information: Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments: Balances at lower rates of interest will be paid before balances at higher rates of interest. This means that if you have made a transaction at a promotional rate after your last statement date but before the date we receive your payment, we may pay that transaction off first.
Monthly minimum payment: The lesser of:
2.25% of your balance (minimum £5) or charges for Payment Protection Cover plus interest and fees plus £5 or the balance, if this is less than £5.
Credit limit: We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee: £0
Other charges: 2% handling fee (min.£3, max.£50) on: credit card cheques and balance transfers.
3% handling fee (min.£3, no max.) on: cash transactions (including money transfers).
2.75% commission on foreign currency transactions.
Default charges: £12 for going overlimit, making late payments and for returned payments.
Review Date: 30/08/2006
Important Notations
See website for complete terms and conditions of card usage and application disclosure.
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