MoneyBack Rewards Credit Card

An exclusive offer for new and existing Premier customers.

A credit card which rewards you with great rates plus points every time you make a purchase. You can apply for the MoneyBack Rewards Credit Card (subject to status) when you take out a Premier, Premier Direct or Premier 50 current account, or if you already hold one of these accounts.

Premier customers – get a more rewarding card

Earn 1 point for every £1 you spend - plus you could earn 2,000 bonus points when you first use your card¹
No limit on the number of points you can earn
Choose how to spend your points - cash, high street vouchers, charity donations, holidays, flights and a great selection of other goods
0% for 12 months for any balance transfers you make within the first 90 days from account opening (plus a 3% handling fee)
0% on card purchases for 3 months (see note 2) from the date your account is opened
Competitive typical rate of 15.9% APR (variable)
Up to 53 days interest free on card purchases³
No annual fee
24-hour access to your account online or via the phone

See how much you could save⁴

Credit cards	Monthly Interest Rate	Outstanding Balance £3,000
Alliance & Leicester Credit Card	0.000%	£90 Balance Transfer Fee
HSBC Bank Credit Card MasterCard	1.313%	£473
MINT MasterCard	1.167%	£420
NatWest Credit Card MasterCard/Visa	1.240%	£446
You could save up to⁴		£383

Competitor rates source: Moneyfacts.co.uk - the money search engine 26.08.08

See how much you could earn⁵

	Monthly Spend
Food	£325
Entertainment	£400
Petrol/Transport	£100
Gifts/Clothing	£100
Holidays	£250
Total Annual Spend	£14,100
Bonus Points	2,000
Total Points	16,100
Examples of what you can spend your points on⁶	£80 High Street vouchers or 10 games of tenpin bowling and 4 cinema tickets

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¹If you apply and are accepted for an Alliance & Leicester MoneyBack Rewards Credit Card you will receive 2,000 bonus points subject to you making a purchase with the card within 90 days of your account opening.

²For full details of how we allocate your repayments, particularly when promotional offers have the same rate, please see paragraph 2f of your terms and conditions.

³Provided you pay your statement balance in full and on time each month.

⁴This table shows interest savings you could make over 12 months if you transfer a balance to an Alliance & Leicester Credit Card account at a promotional rate of 0.0% p.a. with a fee of 3%. So that you can make a fair comparison we've had to make the following assumptions: the average balance of all examples remains the same over 12 months; you only hold one of the cards referred to and you aren't benefiting from any other promotional offer; you make the minimum payment each month but not by direct debit and you aren't a student. All figures are for illustration purposes only as our competitors may have different ways of calculating and applying interest. You can't transfer balances from another Alliance & Leicester or MBNA account. If your balance transfer is used to settle other cards or loans your monthly payment may be lower, however your loan providers may charge you for early settlement of any loan.

You can transfer up to 95% of your available balance.

All information about our competitors was correct as at 26.08.08. Competitor Rates Source: Moneyfacts.co.uk - the money search engine.

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⁵This chart shows reward points a customer could earn over twelve months with an Alliance & Leicester Credit Card, including 2,000 bonus points for making a purchase on the card within 90 days of your account opening. This chart also gives examples of what these points could be spent on. All figures are for illustration purposes only. All information correct as at 08.04.08.

⁶The redemption of your points will vary based upon your choice of your redemption items. For more information please visit www.aandl.com/moneybackrewards.

The Alliance & Leicester Credit Card is issued by MBNA Europe Bank Limited,
Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status, only to UK residents aged 18 or over. You cannot transfer balances from another Alliance & Leicester or MBNA Credit Card account. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.

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