Reduce your rate with aqua advance

  • Opportunity to reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit
  • Your credit limit will start between £250 - £1,200 and you could get an increase on your 4th statement
  • No fees on your purchases abroad, making this the card for your holiday

Summary Box

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

APR . 
Other APRs . 
Interest Rates Introductory Rate Monthly Rate Annual Rate
Cash Advances N/A
Balance Transfers
Money Transfers N/A from date notified to you at time of offer
Interest Free Period . Maximum 48 days for purchases if you pay the full balance shown on your previous and current statement on time.
.  There is no interest free period on cash advance or balance transfers or money transfers. 
.  This is subject to any interest free promotional period. 
Interest Charging
  From Until
Purchases Date debited to your account Paid in full
Cash Advances Date debited to your account Paid in full
Balance Transfers Date debited to your account Paid in full
Money Transfers Date debited to your account Paid in full
Allocation Of Payments
Minimum Repayment
Credit Limit
Minimum Credit Limit £250
Maximum Credit Limit Subject to status
Fees No Annual Fee
Cash Advance 3% of the amount of the transaction (£3 minimum)
Balance Transfer 3% of the amount of the transaction (£3 minimum)
Money Transfer 3% of the amount of the transaction (£3 minimum)
Copy Statement £5
Foreign Usage
Payment scheme exchange rate Indicative rates can be found at Mastercard
One or more of the following may apply:
Non-Sterling Transaction Fee of the amount of the sterling transaction value
Cash Fee 3% of the amount of the transaction (£3 minimum)
Default Charges
Late Payment Fee £12
Overlimit Fee £12
Returned Payment Fee £12
Cost of Borrowing
Interest Explained - based on the representative APR for purchases as indicated above
We would not recommend paying only the minimum payment. Only making the minimum payment maximises the interest you will pay and length of time it will take to clear your balance, as highlighted in the example below.
Illustrative example
Monthly Payment Minimum Payment each month £50 each month
Taking into account any introductory rates, how much interest will you be charged in the first year
How much interest will you be charged in the second year?
How long would it take to clear the balance?
The above example assumes the following: The transaction takes place on 1st January and you make no further transactions. You always make the payment each month on the 15th. Your statement is produced 31 days after you make the purchase. 

Representative example

Interest for purchases
p.a (variable)
With a representative
Assumed credit limit

The APR applicable to your account will depend upon our assessment of your application

*Balance Transfer information — additional terms and conditions apply. The promotional rate applies from the date of account opening. If you do not make at least your minimum payment in full and on time or if you go over your credit limit, your promotional rate will be withdrawn and you will pay the standard balance transfer rate(as shown on your statement) on any balance outstanding.
When the offer period ends you will pay the standard balance transfer rate on any remaining balance transfer balance.

Apply now

We say Yes every 2 minutes

Don't forget

Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult. See more on Tips and advice

Want to know more about aqua?

Personalised approval process

At aqua we look for reasons to say YES

As a responsible lender, we take a close look at applications for credit. Our mission is to help customers who need access to credit and want to start improving their credit rating. Subject to credit checks, an aqua card could be yours even if:

  • you’re self employed and unable to prove a regular income
  • you’ve been affected by a CCJ (other than in the past 12 months)
  • you work part-time
  • you’re a student
  • you’re new to credit
  • you’ve not had a credit card in the UK before
  • you’ve been turned down for credit in the past
  • you’re on a lower income

About aqua

aqua – we’ll treat you as an individual

Aqua is issued by one of the UK’s leading specialist credit card providers. We provide credit cards to those customers who are not served by the High Street Banks. Fundamental to our success is the provision of affordable lending with fair and transparent pricing.

  • We are based in the UK with local customer service agents who are happy to help
  • We look at applications for credit carefully and base our decisions on your particular circumstances
  • We could help you improve your credit rating, and as a responsible lender we could provide you with tools to help you stay in control of your finances

Helping you stay in control

We promise to help you manage your credit card balance

So you stay on top of things, and as a responsible lender, we’ll give you a fixed credit limit so your monthly payments are controllable. And we’re only ever a phone call away if you think you might have problems meeting them. Here’s how we help in other ways:

  • Regular SMS text reminders about your payments and credit balance
  • Flexible payment dates
  • Friendly UK-based customer support line
  • Online balance checking, payment facility and account management

And by using your aqua credit card responsibly, by making payments on time and staying within your credit limit, we could help you to achieve a better credit rating.

aqua Credit Checker

FREE aqua Credit Checker

aqua Credit Checker is a new premium service for all new aqua customers powered by Noddle, the customer credit report experts. With it you’ll enjoy free unlimited access to your credit report, plus a range of personalised tools which could help you take control of your credit rating and build a better financial future.

The tools and benefits include:

  • Free unlimited access to your credit report and credit score, updated monthly
  • Personalised and practical tips and advice on how to improve it
  • Weekly alerts showing significant changes to your credit report, helping to prevent identity fraud
  • Access to money-saving vouchers and offers