aqua card (SAV Credit) Deals & Sales for 2016 - HotUKDeals
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aqua card (SAV Credit) Deals & Discounts

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Aqua Cashback Credit Card - 0% Fee for Foreign Purchases. 0.5% Cashback. Ideal for use abroad/holidays

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I've seen other deals posted for credit cards such as the Halifax Clarity credit card that have 0% fee for foreign transactions. The cashback rate is very low, but it is a nice little extra which y…
happymanuk Avatar1y, 10m agoFound 1 year, 10 months ago22 Comments
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happymanuk
Astec123

You have to have a rewards current account with them so in effect I will get once it's all up and running
Personal reward Current Account - £5 reward
Joint reward Current Account - £5 reward
Clarity Credit Card Account - - £5 reward
Is that instead of receiving credit interest, or in addition to it ?

Yes, at the end of the day most bank accounts offer near as makes no difference no interest (a couple of banks do offer a bit more with stipulations) and savings accounts don't offer not much more. I did a test a while back and 30 days of interest on a Natwest current account I have by putting £3000 in it. I earned less than £1 in that period and it's the main reason why I plan to get shot of them in the near future. So 3 times the cash required by a Halifax account earned much less than 1/5 in interest and the money in the Halifax account can be moved out as it counts so long as it was deposited.

Edit: My understanding of the figures was incorrect it's
£5 reward each month you pay in £750+, pay two different direct debits and stay in credit
http://www.halifax.co.uk/bankaccounts/current-accounts/reward-current-account/
So a couple of low end DD's for some basic things and you can easily turn having an account into a money spinner.

Edited By: Astec123 on Jan 30, 2015 18:59
Astec123

You have to have a rewards current account with them so in effect I will get once it's all up and running

Personal reward Current Account - £5 reward
Joint reward Current Account - £5 reward
Clarity Credit Card Account - - £5 reward

Is that instead of receiving credit interest, or in addition to it ?
happymanuk
Astec123
Halifax Clarity Card (£5 reward for spending £300 = 1.6% cashback effectively)
I agree - I've been with Aqua since it was 3% and was annoyed when it was reduced. I'm now just stuck on 1% (with another card), although 4% for supermarket and petrol.
Out of interest - how do you get this reward with the Clarity Card, as I couldn't see the reward side mentioned.
Thanks

You have to have a rewards current account with them so in effect I will get once it's all up and running

Personal reward Current Account - £5 reward
Joint reward Current Account - £5 reward
Clarity Credit Card Account - - £5 reward

All I have to do is, pay wages in to my account (min £1000), transfer £1000 to the other reward account and back again, a standing order makes this easy to do. Then spend £300 on the credit card. It's well worth getting the accounts in my book for the minimal effort and £180 I will get back out of it. All I have to do is convince my other half who also banks with Halifax to upgrade their existing account to a rewards one too and then we'd earn £240 a year just for banking with them and a small amount of effort moving funds about.

http://www.hotukdeals.com/deals/halifax-clarity-credit-card-2131879
Lazy link from earlier this morning about the clarity card.

Edited By: Astec123 on Jan 30, 2015 15:52
Astec123
Halifax Clarity Card (£5 reward for spending £300 = 1.6% cashback effectively)

I agree - I've been with Aqua since it was 3% and was annoyed when it was reduced. I'm now just stuck on 1% (with another card), although 4% for supermarket and petrol.

Out of interest - how do you get this reward with the Clarity Card, as I couldn't see the reward side mentioned.

Thanks
Halifax Clarity among others and all options depend on how much you spend as to which is best, plenty of comparison sites showing the available options MSE for one. My real issue is the fact they dropped the cashback so heavily from 3% so it used to be a 6 times higher cashback rate and all of it was with very little warning. Tied to the pitiful credit limit they offered me was irritating, clearly it was just to limit people spending.

When it came to the end they offered the following.

Further to the letter we sent you dated 1 November 2013, we’d like to remind you that we will be withdrawing the existing aqua Reward Card on 22 January 2014 and your card will no longer work from this date.
If you would like to continue earning cashback on purchases after 22 January 2014, we will have a new product available with a cashback rate of 0.5% (with maximum cashback limit of £100 in a year) and a representative rate of 34.9% APR (variable) which we are giving customers the option to transfer to. aqua card
New aqua Reward Card To transfer to this new account simply:
Sign the Credit Agreement we sent with your original letter and return it to us as soon as possible. So long as your account is up to date and we approve your application, you will be able to continue using your card after 3 business days of your Credit Agreement being received.
There will be no fee applied to your account to make this transfer. We will also transfer any cashback you’ve earned on your existing account. Your card number, account number, Personal Identification Number (PIN) and anniversary date will remain the same.

If you choose not to transfer, you will still be required to repay any outstanding balance in line with the account terms and conditions. Any cashback accrued will be paid into your account approximately 2 weeks after closure.

So they offered me the same card, the same credit limit, increased interest rate from 29.9% and lower reward level. I enquired about a credit limit increase and was told that I would not be able to get one on the new account. This was the straw that broke the camels back for me considering my wages have stagnated without increase for the last 3 years and I today (as a result of this post so thanks for that kick up the behind) applied for a Halifax Clarity Card (£5 reward for spending £300 = 1.6% cashback effectively) and got a limit of £2800 instantly approved. All the while my credit rating has been pretty well unchanged.

I feel that Aqua clearly are trying to avoid customers who will never not pay in full and rely on them at some point paying fees.

As I posted, I've not voted either way as it's neither a good deal, but also at the same time it's not a bad one, it's just the rate most everywhere is offering. The best option is to use a combination of these types of cards, I'll use my Halifax one up to the £300 spend requirement and then use another existing card for all other spending that I get 1% rewards (in Amazon vouchers) that's also no longer available to be applied for but the bank hasn't decided to close all the accounts on the deal.


Edited By: Astec123 on Jan 30, 2015 15:39
-167Expired

Aqua Credit Card 3% cashback on All purchases, no annual fee

5
Aqua Credit Card 3% cashback on All purchases, no annual fee will be good for saving money
dreamlord Avatar3y, 7m agoFound 3 years, 7 months ago5 Comments
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Where have you been ??
I have been having aqua reward for a few months now .......

Edited By: pantaiema on Apr 22, 2013 00:38
Reward Card (Cashback) not available, only Classic (32.9% APR) and Advance (34.9% droping to 19.9% over three years)
According to their website -

'We are not currently taking any new applications for the Reward card.'
Kingsworth
Extortionate APR - Don't even consider if you're not certain you'll pay off monthly.

I agree, but if you have setup standing order well free money
Extortionate APR - Don't even consider if you're not certain you'll pay off monthly.
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-76Expired

4p per litre off fuel with aquacard

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Just read this deal - http://www.hotukdeals.com/deals/5p-off-every-litre-petrol-diesel-with-a-costa-express-purchase-shell-1330915 which is great, but you have to purchase from Costa and its…
happyharry Avatar4y, 1m agoFound 4 years, 1 month ago2 Comments
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only1
Santanders 123 card offer the same 3% off all fuel purchases also has 1% cash back of department stores and 2% at supermarkets.

But isn't this the card that costs £2/month

Edited By: Skybird on Oct 09, 2012 10:22
Santanders 123 card offer the same 3% off all fuel purchases also has 1% cash back of department stores and 2% at supermarkets.
24Expired

New Aqua Credit card - 3% Cash back on all purchases

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Aqua is offering 3% cash back on all purchases with its reward card. No annual fees. Best thing: You will get accepted even if you have bad credit scores (In most cases)... Note: Be careful
harinmenon Avatar4y, 3m agoFound 4 years, 3 months ago13 Comments
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harinmenon
How to move this to Deals? Will I be able to do this or Admin?

Thread reported for you.
Have just applied for a card but not too impressed with being given an estimated £500 credit limit. Not much use when I use it for everything and then pay it off in full every month!!
How to move this to Deals? Will I be able to do this or Admin?

Edited By: harinmenon on Aug 24, 2012 16:45
Not too sure how this qualifies as a 'freebie'... anyone able to elaborate?
Bourne9482
bepurple
Sorry I'm new to credit cards and all - when you say set up a DD to repay in full is that to pay the minimum balance or to pay the amount spent in full??? If you pay the minium balance each month do you get charged interest?

Sorry if this is a daft qtn.

You would still be charged interest on full balance if you only do minimum DD, only way to not pay interest is to clear in full before or on the payment date.

HTH. Cheers.

Oh ok. Thanks for your reply. I have bad credit history so i was thinking of getting one of these cards to help me re-build. Will probably use it to pay my rent and bills and then repay it using DD. I dnt need it cos I earn enough money and all but no one else will give me credit ( even my bank that can see how much money there is in my account and how much savings i've got.)
91Expired

Aqua Credit Card 3.00% cashback on All purchases, no annual fee

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will be good for saving money on my hukd purchases.
Orcinus_orca Avatar4y, 5m agoFound 4 years, 5 months ago72 Comments
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Update

chocci, the bank said the serial number on the cheque was invalid


Just off the phone to Aqua, they are transferring the cashback to my bank via bank transfer and told me to destroy the cheque
I'm going straight to the Financial Ombudsman with this one. They're in breach of their own T&C's.
Orcinus_orca
tried to cash my cheque today, rejected!
How did that happen? Your bank wouldnt know if the cheque would clear at the time you were paying it in

Just got my final statement with £75 cashback credited to it. No cheque and no way of using the £75

bunch of muppets

dont forget to write a glowing review ;)

http://www.reviewcentre.com/reviews149551.html
tried to cash my cheque today, rejected!
I called up today and was told that they sent some cheques out last week, however due to a printing error some cheques were being rejected by banks.

They have said that all cheques will be sent by the end of the week. I
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