Barclaycard Platinum Travel Credit Card with no Foreign Transaction Fee (includes Free Cash Withdrawal till Aug 31, 2018) - HotUKDeals
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Barclaycard Platinum Travel Credit Card with no Foreign Transaction Fee (includes Free Cash Withdrawal till Aug 31, 2018)

£0.00 @ Barclaycard
As per the title. No transaction fees for non-sterling transactions. This includes taking money out of ATM. However - if you take money out you should make sure to pay it in full - otherwise be ready … Read More
cocoguy Avatar
7m, 3w agoFound 7 months, 3 weeks ago
As per the title. No transaction fees for non-sterling transactions. This includes taking money out of ATM. However - if you take money out you should make sure to pay it in full - otherwise be ready for huge bills.

Found this on MoneySavingExpert - http://www.moneysavingexpert.com/news/cards/2016/09/new-barclaycard-travel-credit-card-is-top-for-overseas-cash-withdrawals

EDIT : I used this recently, when I went abroad. The card doesn't charge you for ATM withdrawals and you only need to take care to pay it off in full by the end of the month. I found the rates to be better than those given by SuperCard.
cocoguy Avatar
7m, 3w agoFound 7 months, 3 weeks ago
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1 Like #1
"After 31 August 2018 a 2.99% fee will apply on every transaction abroad, so you'll need to find a new card."
1 Like #2
Not a bad option. I use the Halifax clarity at the moment which is brilliant. You just need a current account before you can get one. I used it while travelling in the summer, just paying it off every few days to minimize interest
#3
tovers93
Not a bad option. I use the Halifax clarity at the moment which is brilliant. You just need a current account before you can get one. I used it while travelling in the summer, just paying it off every few days to minimize interest

Do they let you take cash from ATM without incurring interest or extra charge?
#4
Daft question, but when you say pay it off in full, I presume you mean pay it off at the end of the month rather than immediately?
I'm torn between getting a card like this or one of the pre-loaded travel cards....
#5
nordberg
Daft question, but when you say pay it off in full, I presume you mean pay it off at the end of the month rather than immediately?
I'm torn between getting a card like this or one of the pre-loaded travel cards....

Oh - yeah pay it off at the end of the month. :D

From MoneySavingExpert

If you don't pay off your balance in full each month, you'll be charged 11.9% rep APR on purchases and a hefty 27.9% on cash withdrawals.
[Travel Expert]#6
The N and P debit card is amazing for use abroad. I really do recommend it. They even rung me when I was in Canada and noticed some suspicious transactions (it emerged my card had been cloned a month before in Brooklyn and was being used whilst we were in Canada). Always good customer service.
#7
cocoguy
tovers93
Not a bad option. I use the Halifax clarity at the moment which is brilliant. You just need a current account before you can get one. I used it while travelling in the summer, just paying it off every few days to minimize interest
Do they let you take cash from ATM without incurring interest or extra charge?
Yes this Credit Card will charge you to withdraw cash and will charge you a fee until it has been paid off. I do not use a credit card to withdraw cash abroad.

To get 'charge free' cash withdrawals I use the Nationwide Flex Plus. It has a £10 a month charge, but for me as that gave me annual family travel insurance, it worked out cheaper this way.

3% AER (2.96% gross p.a.) variable in-credit interest on balances up to £2,500. Interest is paid monthly.
Worldwide Family Travel Insurance
UK & European Breakdown and Recovery Assistance
Worldwide Family Mobile Phone Insurance.
12 month extended Warranty Protection,
Identity Theft Assistance
Worldwide Emergency Card Assistance
Commission-free cash withdrawals abroad

I also use the Halifax Clarity Credit Card for payments made on card abroad. I pay off this balance monthly so I pay no interest charge.

Have a look on moneysavingexpert for best banks around for cash and credit options abroad.

Edited By: collaroy99 on Oct 05, 2016 12:00
#8
rachelandgromit
The N and P debit card is amazing for use abroad. I really do recommend it. They even rung me when I was in Canada and noticed some suspicious transactions (it emerged my card had been cloned a month before in Brooklyn and was being used whilst we were in Canada). Always good customer service.

That's really good. But they do want you to open a current account and keep 500£ in it, right? Or is it £500 transferred in every month?
#9
cocoguy
nordberg
Daft question, but when you say pay it off in full, I presume you mean pay it off at the end of the month rather than immediately?
I'm torn between getting a card like this or one of the pre-loaded travel cards....

Oh - yeah pay it off at the end of the month. :D

From MoneySavingExpert

If you don't pay off your balance in full each month, you'll be charged 11.9% rep APR on purchases and a hefty 27.9% on cash withdrawals.


I thought the interest of the cash, despite whether its GBP or foreign current, will start to occur at daily basis.

correct me if I am wrong
#10
chenzz
cocoguy
nordberg
Daft question, but when you say pay it off in full, I presume you mean pay it off at the end of the month rather than immediately?
I'm torn between getting a card like this or one of the pre-loaded travel cards....
Oh - yeah pay it off at the end of the month. :D
From MoneySavingExpert
If you don't pay off your balance in full each month, you'll be charged 11.9% rep APR on purchases and a hefty 27.9% on cash withdrawals.
I thought the interest of the cash, despite whether its GBP or foreign current, will start to occur at daily basis.
correct me if I am wrong

Apparently, not for this one. The interest starts piling only at the end of the month - when you don't pay it off in full.
[Travel Expert]#11
cocoguy
rachelandgromit
The N and P debit card is amazing for use abroad. I really do recommend it. They even rung me when I was in Canada and noticed some suspicious transactions (it emerged my card had been cloned a month before in Brooklyn and was being used whilst we were in Canada). Always good customer service.
That's really good. But they do want you to open a current account and keep 500£ in it, right? Or is it £500 transferred in every month?

I set up a standing order to pay in £500 every month then it goes back into my main account a few days later. They do have a good savings account too for N and P customers.
#12
cocoguy
nordberg
Daft question, but when you say pay it off in full, I presume you mean pay it off at the end of the month rather than immediately?
I'm torn between getting a card like this or one of the pre-loaded travel cards....
Oh - yeah pay it off at the end of the month. :D
From MoneySavingExpert
If you don't pay off your balance in full each month, you'll be charged 11.9% rep APR on purchases and a hefty 27.9% on cash withdrawals.

Be carefulk as the halifax card charges interest from the moment the funds are withdrawn, not sure about this BC though.
#13
I've been using the Halifax clarity card for years now and it's been great - considering I travel for a minimum of 6 months of the year then I can safely say this has been well tested! I have a dd set to pay it off in full every month. I rarely use it for purchases, just withdrawing cash from atm's as I see this as the safer option when it comes to fraud.

So far, there's been nothing to touch it. I saw this card mentioned on the mse weekly mail.
#14
Just a quck FYI, all new N and P current account openings have been suspended today.

haven't gotta clue why they've done that.
#15
woldranger
I've been using the Halifax clarity card for years now and it's been great - considering I travel for a minimum of 6 months of the year then I can safely say this has been well tested! I have a dd set to pay it off in full every month. I rarely use it for purchases, just withdrawing cash from atm's as I see this as the safer option when it comes to fraud.
So far, there's been nothing to touch it. I saw this card mentioned on the mse weekly mail.

I have the same card, I thought you pay interest the moment you withdraw cash from an ATM?
#16
collaroy99
cocoguy
tovers93
Not a bad option. I use the Halifax clarity at the moment which is brilliant. You just need a current account before you can get one. I used it while travelling in the summer, just paying it off every few days to minimize interest
Do they let you take cash from ATM without incurring interest or extra charge?
Yes this Credit Card will charge you to withdraw cash and will charge you a fee until it has been paid off. I do not use a credit card to withdraw cash abroad.
To get 'charge free' cash withdrawals I use the Nationwide Flex Plus. It has a £10 a month charge, but for me as that gave me annual family travel insurance, it worked out cheaper this way.
3% AER (2.96% gross p.a.) variable in-credit interest on balances up to £2,500. Interest is paid monthly.
Worldwide Family Travel Insurance
UK & European Breakdown and Recovery Assistance
Worldwide Family Mobile Phone Insurance.
12 month extended Warranty Protection,
Identity Theft Assistance
Worldwide Emergency Card Assistance
Commission-free cash withdrawals abroad
I also use the Halifax Clarity Credit Card for payments made on card abroad. I pay off this balance monthly so I pay no interest charge.
Have a look on moneysavingexpert for best banks around for cash and credit
collaroy99
cocoguy
[quote=tovers93] Not a bad option. I use the Halifax clarity at the moment which is brilliant. You just need a current account before you can get one. I used it while travelling in the summer, just paying it off every few days to minimize interest
Do they let you take cash from ATM without incurring interest or extra charge?
Yes this Credit Card will charge you to withdraw cash and will charge you a fee until it has been paid off. I do not use a credit card to withdraw cash abroad.
To get 'charge free' cash withdrawals I use the Nationwide Flex Plus. It has a £10 a month charge, but for me as that gave me annual family travel insurance, it worked out cheaper this way.
3% AER (2.96% gross p.a.) variable in-credit interest on balances up to £2,500. Interest is paid monthly.
Worldwide Family Travel Insurance
UK & European Breakdown and Recovery Assistance
Worldwide Family Mobile Phone Insurance.
12 month extended Warranty Protection,
Identity Theft Assistance
Worldwide Emergency Card Assistance
Commission-free cash withdrawals abroad
I also use the Halifax Clarity Credit Card for payments made on card abroad. I pay off this balance monthly so I pay no interest charge.
Have a look on moneysavingexpert for best banks around for cash and credit options abroad.

According to MSE and Barclaycard's own website, this card does not charge for ATM withdrawals nor does it charge interest on ATM cash providing the balance is paid in full at the end of the month.

Edited By: nordberg on Oct 19, 2016 18:12: spelling
#17
I used this recently, when I went abroad. The card doesn't charge you for ATM withdrawals and you only need to take care to pay it off in full by the end of the month. I found the rates to be better than those given by SuperCard.

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