Representative Example -
18.9% p.a. variable on card purchases. This is equivalent to 22.8% APR representative variable based on a credit limit of £1,200*. Annual fee: £24.
For new and existing 123 Credit Card customers, we'll refund the first year's annual fee if you also open a 123 Current Account. This offer is valid until 30.06.2012†.
The 123 Current Account gives you cashback on your household bills paid by Direct Debit. A £2 monthly fee applies.
* The credit limit which applies to you will depend on our assessment of your application
1% cashback on your supermarket shopping
Including Tesco, Asda, Sainsbury's, Morrisons, The Co-operative, Waitrose, Marks & Spencer or Budgens and including online shopping with these retailers, too.
2% cashback at your favourite department stores
Including BHS, Debenhams, House of Fraser, John Lewis, Fenwick, Harrods, Harvey Nichols, Selfridges plus many others and including online shopping with these retailers, too.
3% cashback when you fill up at major petrol stations
Including BP, Shell, Esso, Texaco, Asda, Morrisons, Sainsbury's and many others (on spend up to £300 per month between your statement dates).
All these great card benefits are yours for an affordable annual fee. See the representative example for details.
First year fee refund
† To qualify for this refund you must: (i) Open a 123 Current Account and (ii) set up a Direct Debit from the 123 Current Account within 30 days of opening to pay your 123 Credit Card. The annual fee charged for the first year will then be refunded to your 123 Credit Card account within 15 days from the later of (i) activating your card and/or (ii) setting up the Direct Debit from your 123 Current Account to pay your 123 Credit Card.
Where can I earn cashback?
You can earn cashback at all major supermarkets, department stores and petrol stations1 . Cashback at the rates above can only be earned at retailers categorised as supermarkets, department stores and petrol stations by MasterCard. To find out more view our list of retailers.
Are there any exceptions?
There will be a few exceptions to the level of cashback that will be awarded to you. For example, Marks & Spencer stores are defined as a supermarket (not a department store), so you will earn 1% cashback. Some petrol stations may be classed as supermarkets too.
When will I receive my cashback?
The total cashback earned each month will be credited to your next monthly statement.
When will I be charged my annual fee?
An annual fee will be charged at account opening and will show on your first statement and every year thereafter. See the Representative Example for details. Even with an annual fee, the card still offers the prospect of generous rewards.
Use our cashback calculator to see how much cashback you can earn.
1. Cashback limits and petrol station spending cap apply. Includes most major retailers. Full cashback terms can be accessed here.
Credit is available, subject to status, only to UK residents aged 18 and over. Credit is provided by Santander Cards Limited.
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