Credit Cards details

Your chosen card

To apply for this card

Go to the Saga website

Go to site

Representative Example:

If you spend £1,200 at an annual interest rate of 11.3% p.a. (variable) your representative rate will be 11.9% APR (variable).

The basics

  • Representative APR 11.9%(variable)
  • Payment Network Visa
  • Balance transfer fee 3%

Card features

Great for
No European foreign usage fees
But be aware that
It is only available to over 50s

Is this card right for you?

To take this card you

  • Must have a permanent United Kingdom address and bank account (including Channel Islands and Isle of Man)
  • Must be aged 50 years or over
  • Must have a good credit history
  • Must have an income of £12,000 or more per annum

Introductory interest rates

Rate Duration
Purchases 0% 9 months
Cash advances - -
Balance transfers 0% 9 months
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 0.941% 11.3%
Cash advances 1.634% 19.6%
Balance transfers 0.941% 11.3%
Cheque advances - -
Money transfers - -
Price for risk No


Annual fee -
Late payment £10
Over credit limit £10
Foreign exchange EU 0%
Foreign exchange non-EU 0%
Return payment £10
Copies of statements £5
Handling fee Min fee Max fee
Cash advances 2% £2 -
Cheque advances - - -
Balance transfers 3% £0 -
Money transfers - - -

Repayment details

  • Interest free period - 55 days
  • Your monthly minimum payment will be the greater of:
    • 3% of the outstanding balance on your statement (minimum £5)
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs; for specific details.
  • Allocation of payments:
    If you do not pay your balance in full Saga will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Most commonly occurring payments types, which must be in sterling, are deducted from the account balance in the following order:
    • cash interest;
    • cash advance fees from previous statements;
    • cash advances (including cash from a cash machine) from previous statements;
    • interest;
    • fees from previous statements; and
    • purchases from previous statements.

    The remainder (if any) will be applied to transactions on the current statement in the following order:
    • cash advance fees;
    • cash advances;
    • all other fees;
    • purchases and balance transfers; and,
    • any other promotional offers.

Credit limit

Minimum credit limit £500
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards Travel

How your promotional rates will change

  • After 9 months, the rate on Balance Transfers will go from 0% to 11.3%.
  • After 9 months, the rate on Purchases will go from 0% to 11.3%.

Fees to be aware of

  • For a balance transfer, you'll be charged 3% of the balance you're transferring. There is a minimum charge of £0.

About Saga

Saga began as a holiday company offering coach trips to the coast and abroad, but having celebrated its 60th birthday, now offers a huge range of products and services including a range of financial services to the Over 50s such as savings, annuities, life insurance and credit cards.

To apply for this card

Go to the Saga website

Go to site

Representative Example:

If you spend £1,200 at an annual interest rate of 11.3% p.a. (variable) your representative rate will be 11.9% APR (variable).

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

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