- A low APR of 14.9% APR typical variable
- Amazing retailer discounts
- Free Text payment reminders
- Fraud Protection
14.9% APR typical variable
You can apply online now
A credit card designed for student life
Now you’re a student, managing your money has never been so important. Our Student Card helps you do just that and it’s packed with benefits that will make your cash go further and keep you in control.
Stay on top of your finances
- Manageable credit limit
- Minimum monthly repayment of 5% of your balance or £5 (whichever is greater)
- Free text reminders of payment due or set up a direct debit
- Itemised monthly statement
- Convenient online account management
Make your money work
- Use your card worldwide wherever you see the Mastercard sign
- Buy online, by phone and by mail order
- Cash withdrawal from over 800,000 cash machines worldwide
- Enjoy exclusive offers and discounts from leading brands
Be protected at all times
- Fraud protection - including Chip & PIN – protects against unauthorised spending on your account
- Identity protection service provides confidential advice if you become a victim of identity theft
- Purchase delivery protection protects your online, phone or mail orders against loss or damage from despatch to door (excludes second hand goods)
- Worldwide assistance - including legal assistance, help with getting home fast and interpretation services - are only a phone call away when you’re abroad
- Emergency card replacement and emergency cash advance
- 24 hour telephone hotline
- Optional card protection available
As a responsible lender, we’ll do everything we can to help you stay in control. We have tried to make our service to you as open and transparent as possible. All we ask in return is that you take a sensible approach to using your card.
Important information
Cash advances are charged at a rate of 14.9% p.a. and the handling fee is 2.5% (minimum £2.50). If you withdraw cash or use your card while abroad, a foreign transaction fee of 2.75% applies – see Summary Box for full card details.
Barclaycard reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets. If you have any particular requirements concerning communications with Barclaycard or use of your credit card arising from a disability, please contact us on 0845 7660 758 before completing your application.
Find out more about the benefits of choosing Barclaycard
You can apply online now
Glossary
APR
The APR is a measure of the cost of credit expressed as a yearly rate. This is the interest rate, including any membership fees, which will be applied to any purchases if you do not repay your monthly balance in full. Although not a true reflection of the amount of interest you will pay – as different things you can do with your credit card are charged a varying interest rates – the APR is a good way to compare different credit cards.
Balance
The amount of credit you have used at any given date.
Credit Limit
The standard credit limit is set at a minimum of £250 and a maximum according to your credit score. You should always be aware of what your credit limit is and should stay within it.
Annual Fee
Many credit cards charge an annual fee for providing you with the service. The Barclaycard Student Card charges no annual fee regardless of how often you use it or how many offers you redeem.
Annual Fee
Over limit fees are generally charged when your balance goes over your credit limit, but there are no over limit fees on your Student Barclaycard. Other administration fees that you should check for include late payment fees. Late payment fees may be charged if you miss the payment due date which is given on your credit card statement.
Monthly repayment
Each month you must pay at least the minimum repayment by the due date. This will be at least 20 days after your statement date. We recommend that you set up a Direct Debit. This ensures that we receive at least the minimum repayment on your account, on time, each month. By doing this you will avoid paying any Late Payment Fees. If you can afford it then set up a direct debit to pay the full amount each month. Please remember that if you only pay the minimum balance it will take you longer to clear your balance and you will pay more in interest charges.
To set up a Direct Debit, just call 0870 154 0154* with your current account details.
Intrest Free Credit
If you pay your account in full by the Payment Due Date on your statement, you will not be charged any interest and benefit from a period of interest free credit. With your Student Card this period may be up to a maximum of 56 days, depending on the date of your purchase.
Free text reminders
If you don’t want to set up a direct debit then you can register and we’ll send a text message to your mobile phone five days before your Barclaycard payment is due. Providing the minimum monthly repayment reaches us by the due date, you’ll avoid any charges for late payment.
To register, call us on 0870 154 0154
Monthly statement
Your monthly statement is vital to help you keep close tabs on your spending, balance and make sure you don’t miss any payments. It is important to check it as soon as it comes in. Not only so you know what you have to spend but also to ensure that no one is using your card fraudulently. If something does look suspicious you should contact us immediately. Our customer service hotline is 0870 154 0154
If you move address frequently you can view your statements online.
Fraud Protection
Whether you're using your Barclaycard Student card to pay in person, over the phone, by fax, by mail or online, we guarantee you against fraud. We keep an eye out for any unusual activity on your account which might mean your card is being misused or has been stolen. If anything looks suspicious we’ll get in touch with you as soon as we can. So it’s important you let us know your telephone number, and update us if you change any of your contact details.
If you suspect any fraudulent transactions then call us immediately on 0870 154 0154.
Chip & PIN
Chip & PIN is part of an initiative across Europe to cut the rising tide of payment card fraud. This new, safer card payment method uses Chip technology and involves entering your PIN, just as you would at a cash machine, into a keypad instead of signing a till receipt whenever you pay in person in shops, restaurants and pubs etc. This means it's more important than ever to remember your PIN.
Identity Theft
Identity theft occurs when someone steals the identity of an innocent victim to apply for mortgages, loans, credit cards, goods and services in their name.
Purchase Delivery Protection
Whether you love or hate shopping, one thing’s certain – we all want our purchases to be delivered in one piece. When using your Barclaycard Student card to buy brand new goods (excluding second-hand items and antiques), we can help if your goods don’t arrive or are delivered damaged and you are unable to resolve the issue with the supplier. This covers online shopping, purchases made over the phone and also High Street shopping if the goods are delivered to your door.
The number to call is 0870 154 0101.
Emergency Card Replacement and Cash Advance
If you happen to lose your card while you’re abroad – don’t worry. We can usually get a temporary replacement card to you within three working days for you to use until you get back.
Or, if funds are available on your account, we’ll make emergency cash available, usually within 24 hours. And we won’t charge the usual cash handling fee. You can also call on our Emergency Cash Service in the UK if you’ve simply forgotten your Barclaycard.
The numbers to ring are 0870 154 0101 or +44 161 953 5254 from abroad.
Hotline
There are many ways to get a hold of us:
- Send a message via our website www.barclaycard.co.uk at anytime
- Call our Customer Service Team on 0870 154 0154, open 24 hours a day.
- Pop into any branch of Barclays during normal banking hours and staff will be happy to help you.
Card Protection
For complete peace of mind you can insure your card from just £20 a year. This allows you to report lost or stolen cards with a single phone call, wherever you are and any time, day or night, 365 days a year. In addition, you’ll receive lost key assistance including lost key and lock replacement plus a key fob to help get your keys back safely. And you’re covered if anyone uses your card fraudulently.
To apply for Card Protection, call 0800 915 9293 quoting ref BC3.
