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| Summary Get 3% (3 points) for each £100 spent on purchases. Visit GM Card online shopping and you'll earn Double Rebate Points on everything you buy with your GM Card. Each Rebate Point is worth £1 off a new Vauxhall. If you have two GM Cardholders in your house, you're in luck. You are able to pool your Rebate Points. Receive 100 free points the first time you use your new GM Platinum card. We recommend the GM Platinum Card MasterCard as one of the best rewards cards. |
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| Card Details | ||
| Card Name: | The GM Card MasterCard | |
| Card Issuer: | HFC Bank Plc | |
| Card Type: | MasterCard | |
| Exclusive Features: | Up
to £2,500 off a new Vauxhall or £2,000 off a new Saab with the GM reward scheme |
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| Annual Fee: | £0 | |
| Available Credit Limit: | Individually assessed | |
| Free Additional Card(s): | Yes | |
| 24 Hour Service: | Yes | |
| Eligibility | ||
| Minimum Age | 18 | |
| Minimum Income | £4000 | |
| Status | Must be aged 18 or over if resident in the UK. If resident in the Channel Islands you must be aged 21 years and over. You must have a good credit history. | |
| Interest Rates | ||
| Introductory Rate Purchases | 0% (0% per month) | |
| Introductory Duration | 5 months | |
| Standard Rate Purchases: | typical 14.9% variable (1.167% per month) | |
| Standard Rate Cash: | typical 18.9% variable (1.307% per month) | |
| Notes: | There is an introductory rate of 0% per annum for purchases, fixed for five months from the date of account opening, typical 14.9% APR (variable). | |
| Balance Transfer Rate: | 0% (0% per month) | |
| Balance Transfer Duration: | 5 months | |
| Balance Transfer Scheme: | Balances can be transferred at a rate of 0% per annum, fixed for 5 months from the date of account opening. After this period the balance transfer will be charged at the variable rate which applies at that time, currently 14.9% APR. | |
| Apply now. | ||
| Cashback & Loyalty Rewards | ||
| Cashback Percentage: | N/A | |
| Loyalty / Reward Scheme | Yes. | |
| Scheme Conditions: | You'll
get 100 free Rebate Points when you use your GM Platinum Card for the first
time. That's a saving of £100 on a new Vauxhall. The Reward Rate is
3% (3 Rebate Points for every £100 you spend with your GM Platinum
Card). Rebate Points are not earned on balance transfers or cash advances.
Visit GM Card online shopping and you'll earn Double Rebate Points on everything
you buy with your GM Card. Each Rebate Point is worth £1 off a new
Vauxhall. You can redeem up to £2,500 worth of Rebate Points on a
new Vauxhall. The amount of Rebate Points you may redeem varies on selected
models from 1,000 to 2,500. You must redeem your Rebate Points within four
years of earning them. Plus, you can earn and redeem unlimited Partner Points against the purchase of a new Vauxhall. Partner Points may be earned as a percentage of eligible purchases at GM Card Partners. Partner Points are earned on such purchases at Lunn Poly outlets in the UK (except for travellers' cheques and currency changes), Vauxhall dealers (excluding purchases on petrol and vehicles) and selected Internet stores available on The GM Card Internet Shopping Centre. The Partner Point Reward Rate is 3%, which is in addition to 3% Rebate Points. If you choose a Vauxhall as your company car, you'll be able to redeem up to 500 of your Rebate Points in high street vouchers. That's up to £500 to spend in stores like Next, Burtons, B&Q, Lunn Poly, Comet and Debenhams. The Rebate Points you redeem will then be deducted from your total and you can start collecting all over again. If you have two GM Cardholders in your house, you're in luck. You are able to pool your Rebate Points, saving you time and money on your journey towards a new Vauxhall. You can treat any member of your family to money off a new Vauxhall. Simply transfer your Rebate Points, or the Points held by two account holders who are eligible to pool, to a family member who doesn't have a GM Card. You can transfer your Rebate Points to the following family members: parents, spouse, children, grandparents, grandchildren, uncles, aunts, nephews and nieces. |
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| Apply now. | ||
| Benefits and Discounts | ||
| Benefit Notes: | -
Travel insurance package at a special rate. - Save up to £2,500 on a new Vauxhall. - You are allowed up to 2 additional cards with your account free of charge, as all the Rebate Points collected by the additional cardholders will be awarded to you. - Safe Shopping Promise guarantees anything you buy for 30 days in the event of non-delivery, or if your goods arrive damaged or the wrong goods arrive. You are also protected against fraudulent use of your card on the internet. - Manage you account online, you can check your balance and available credit, transfer balances, check your Rebate Points, view statements and make payments. - Access to The GM Card Online Shopping Centre. - HealthNow is the medical insurance plan designed exclusively for GM Cardholders. You can protect your family's health for just £11.50 a month per person. - You can protect your monthly income from as little as £7.99 per month. Terms & conditions apply. |
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| Discounts for Card Holders on: | Hotels
-- No Travel -- No Dining -- No Car Hire -- No Other -- No |
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| Interest on Credit Balances: | No | |
| Apply now. | ||
| Insurances and Protection | ||
| Card Protection: | £16 per annum for you and your family for one year. A 30 day free trial is available. | |
| Payment Protection: | 79p per £100 of the outstanding balance per month. | |
| Apply now. | ||
| Cash and Cheque Advances | ||
| Cash Withdrawal Fee: | 1.75% | |
| Minimum Charge: | £2.50 | |
| Cash Advance Notes: | There is a handling fee for cash advances of 1.75% of the value (minimum fee £2.50). Interest will be charged on a daily basis, from the date of the withdrawal or the date the withdrawal is charged to the account, even if the account is cleared in full each month. | |
| Withdrawal Limit (UK ATM): | £500 per day | |
| Apply now. | ||
| Repayment Conditions | ||
| Interest-Free Period: | 56 days | |
| Minimum Monthly Payment: | The greater of 2.00% or £5.00 | |
| Apply now. | ||
| Charges | ||
| Annual Fee: | No | |
| Late Payment: | £20 | |
| Exceeding Credit Limit: | £20 | |
| Returned Payment: | £20 | |
| Apply now. | ||
| General | ||
| General Notes: | You must use the card and/or the account at least once in each complete six month period from 1st January to 30th June inclusive and from 1st July to 31st December inclusive, in each calendar year while the account is open. | |
| Apply now. | ||
| BACK
TO SUMMARY REVIEWS PAGE Notice: We exercise due diligence to make periodic updates of the details of the cards we review, but card providers have the right to change terms and conditions without notice. Always read the published Terms and Conditions of the credit card issuer for the full and final details before you enter into a contract. |
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