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Credit Card

0% interest on purchases for 26 months from account opening

T&Cs and fees apply. Credit facilities are subject to status and eligibility.

 Gold Mastercard is no longer available for new applications. You have 28 days from when you first started your application to retrieve and complete it.

Sometimes it helps to split the cost of items that we purchase over a longer period. A credit card with Clydesdale Bank helps you do that.

With our Gold Mastercard® you can purchase an item at any time and pay back to your credit card account at regular monthly intervals. You also have the option of transferring balances from other providers’ credit or store cards, or even overdrafts. Applicants must be 18 years or over and be resident in the UK. All credit facilities are subject to status.

Why choose this card?

  • 0% interest on purchases for 26 months from account opening [1]
  • 0% interest on balance transfers for 12 months from account opening (3% fee, min £3)[2]
  • Contactless and mobile payments via Apple Pay and Google Pay*
  • Access to Mastercard Priceless Cities – enjoy exclusive events and offers all over the world

*Device requirements apply

Representative example
Rate of interest 18.9% pa (variable) Total amount of credit £1200 Representative 18.9% APR (variable)

All credit facilities are subject to status. The actual credit limit assigned to your account will vary depending on our credit assessment of you. You can transfer up to 97% of your available credit limit. You cannot transfer balances from other Clydesdale or Yorkshire Bank products. To be eligible to apply for a credit card online, you must be at least 18 years of age, resident in the UK, and not already have the Clydesdale Bank or Yorkshire Bank Credit Card you are applying for.

Summary Box

Clydesdale Bank Gold Mastercard

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Monthly Rate Effective Annual Rate
Purchases 0% (for 26 months) 1.453% 18.9%
Cash Advances N/A 2.075% 27.9%
Balance Transfers 0% (for 12 months) 0.945% 11.9%
Interest-Free Period
  • Maximum 59 days for purchases if you pay your balance in full and on time
  • There is no interest free period for cash advances
  • Interest free period on balance transfers only apply to the introductory period
  • The 0% interest period starts from the date you open your card account. You may lose any introductory rates or promotional offers if you make payments late or miss payments.

You will not pay interest on new purchases if you pay your statement balance in full and on time. Otherwise, the period over which interest is charged is as follows:

  From Until
Purchases Date debited to your account Repaid in full
Cash advances Date debited to your account Repaid in full*
Balance transfers Date debited to your account Repaid in full

* If you pay the balance in full, the interest charge for the period from the previous statement to the date of full payment will be debited the following month. If you default in the introductory period you will lose the benefit of any Introductory Rate and your account will incur interest at the Monthly / Annual Rate for the relevant balance. For further details please refer to your credit card terms and conditions.
Allocation of Payments If you do not repay the entire balance on your account we will apply the amount you pay to the outstanding balance starting with those items to which the highest rate applies. For further details please refer to your credit card terms and conditions.
Minimum Repayment Each month you must pay us at least the minimum payment set out in your statement. This will be an amount equal to the greater of:
• All interest and default fees added to your account that month together with 1% of the remaining balance on your account or
• £5 (or the statement balance if it is less than £5)

Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
Credit Limit Minimum Credit Limit - £500.00
Maximum Credit Limit - Subject to status
Fees No annual fee
Charges Cash advances – Cash Fee 3% (minimum £3.00)
Balance Transfers – 3% (minimum £3.00)
Copies of Statements or Vouchers – £5.00
Foreign Usage Payment Scheme Exchange Rate Rates can be found at
One or more of the following may apply: Non-Sterling Transaction Fee - 2.95%
Cash Fee - 3% (minimum £3.00)
Default Charges Late payment or Over limit fees – £12.00

Information correct as at 8th February 2017.

ILLUSTRATIVE EXAMPLE – Clydesdale Bank Gold Mastercard

You spend £1,000 on 1st January and make no other transactions. The following example highlights the difference between only paying the minimum and a fixed amount each month on your Credit Card

Monthly Payment Minimum Payment each month £50 each month
Without taking into account any introductory rates, how much interest will you be charged in the first year ? £149.41 £125.08
How much interest will you be charged in the second year ? £145.19 £54.91
How long would it take to clear the balance ? 18 years & 6 months 24 months

Please note, the above example assumes the following:

  • Representative 18.9% APR Variable. It excludes introductory rates
  • The transaction takes place on 1st January and you make no further transactions
  • Your statement is produced on the 1st of each month
  • You always make a payment on the due date.

Information correct as at 26th August 2015.

Already started an application?

Login to retrieve your Clydesdale Bank Gold Mastercard credit card application. If you're not sure what your login details are, or you can't get online for some reason, please give us a call on 0800 678 3320.

Retrieve your application (opens in a new window)

Additional features

UK call centres

You’re only ever a call away from our experts who are on hand during opening hours 7 days a week [3] to assist you.

Secure online shopping

With Mastercard SecureCode™ you’re protected from unauthorised use of your card online.

24 hour fraud support

You will not be liable for fraudulent transactions providing you notify us as soon as you notice unusual activity.

Additional cardholders

Add up to 3 additional cardholders. They’ll each receive their own card and pin.

Easy payments

You’ll have a number of payment options, including Direct Debit.

No annual fee

You won’t be charged an annual fee for having this credit card.

[1] 0% interest period starts from the date you open your card account. You may lose any introductory rates or promotional offers if you make late payments or miss payments.

[2] Excludes balance transfers from existing Clydesdale or Yorkshire Bank credit cards or current accounts.

[3] Opening hours apply. We’re here Mon – Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm

Find out more about our interest rates and charges. View full terms and conditions.

To be eligible you must currently not be bankrupt and not have any County Court Judgements or Decrees in the last 3 years.

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