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Egg Home >   Bank >    Egg Card >    Benefits >
Benefits and features
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Benefits and features
Egg Cash Back Store
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The fight is over - Egg Card is the only credit card you need for a balanced financial life. Not only does it come with a great introductory offer on balance transfers, but with the Egg Cash Back Store you can also get cash back on your spending too.

  • 0% interest until 1 November 2011 on balances transferred before 1 December 2010 (3% fee applies)*.
  • 0% interest on new purchases until 1 December 2010.
  • Over 1,500 online retailer offers from the Egg Cash Back Store.
  • Internet delivery guarantee and purchase protection insurances included as standard.

Introductory 0% offers are only available to new Egg Card customers.

After your 0% offers end you'll pay your standard variable annual rate.

17.9% APR typical variable

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  • Egg Cash Back Store Just for Egg Card customers, the Egg Cash Back Store is powered by Quidco and offers great cash back deals from over 1,500 well-known online retailers including supermarkets, high street retailers, hotels and travel agents. Find out more about the Egg Cash Back Store.

  • Protection for the things you buy A range of insurances are included as standard, so you can spend with confidence online and in store. Insurances included are purchase protection, internet delivery guarantee and travel accident.

  • ID theft protection An information pack providing details of the best ways to avoid ID theft and advice should someone steal your identity.

  • Verified by Visa® 3D SecureTM Provided in association with Visa International to give you extra protection against unauthorised use of your card online. Find out more about Verified by Visa®.

  • Paperless application process Faster, easier and hassle-free.

  • Online servicing 24 hours a day, every day.

  • No annual fee.

  • Savings on Egg Insurance Egg's insurance products already offer fantastic value for money, but once you've got an Egg Card, you can expect much more.

  • Interest-free grace period Pay your outstanding balance off in full each month and benefit from an interest-free period of up to 45 days on all purchases. For cash advances and balance transfers you'll be charged interest from the date the transaction is charged to your account.

  • Convenient balance transfers You can transfer balances online at any time from existing credit or store cards, loans or overdrafts, or balances that your second cardholder has elsewhere. A handling fee of 3% will be applied to balance transfers made in your introductory balance transfer period (except where we tell you otherwise).

  • Free travel accident insurance Pay for all or part of your fare using your Egg Card and you'll have the benefit of free personal travel accident insurance. This valuable protection pays a lump sum if you, your partner or your dependant children suffer accidental death or serious injury while travelling. Travel accident insurance - find out more

  • Active fraud monitoring We're vigorous when it comes to monitoring your accounts and on the look out for any suspicious activity or anything out of the ordinary. And should you ever fall victim to fraud on your Egg Card, you can rest safe in the knowledge that you'll have a dedicated case manager to help you through the whole process and to explain what's happened and how it can be avoided in the future. We're here to help you if your Egg Card has been the subject of fraudulent activity on 08451 233 233, 9am - 5pm, Monday - Friday.

  • Cash advances There is a handling fee of 3% (minimum fee £5.00) of the amount of each Cash Advance made from an ATM. There is a handling fee of 3% (minimum fee £3.00) of the amount of each non ATM Cash Advance Transaction. Interest is charged from the date the transaction is charged to your account.

  • Paper statement You can request a paper statement. We charge a fee of £2 per statement for this service.

  • Repayments Your monthly repayments are taken by Direct Debit from your bank account.

    The minimum payment is the full Revolving Balance if it is less than £5, but otherwise the greater of (1) 2% of the Revolving Balance or (2) the total of (i) interest billed on the statement on the Revolving Balance (ii) 1% of the Revolving Balance (iii) any Card Repayment Protection premium shown on your statement and (iv) billed fees for late or returned payments shown on your statement or (3) £5.

    Plus, for each Transferred Balance made during an introductory rate or promotional rate period for Transferred Balances (but only during that period) the full amount of the Transferred Balance if it is less than £5, but otherwise the greater of (1) 2% of the Transferred Balance or (2) the total of (i) interest billed on the statement on the Transferred Balance and (ii) 1% of the Transferred Balance or (3) £5.

  • Credit limit The minimum credit limit we offer is £500.

Promotional rates are subject to you making your required monthly payments on time and keeping within your credit limit. If you fail to do so, we may charge the standard variable annual rate for the relevant transactions instead of the introductory or promotional rate.

Purchase protection and internet delivery guarantee are arranged by International SOS Insurance Services. Full terms and conditions apply.

* We cannot accept transfers from credit cards issued or loans provided by Egg or any other group company.