Personal credit card
Designed to give you control
Unfortunately you can't currently apply on our website
We will reopen applications as soon as we can.
You could be eligible if:
You’re a UK resident
You're aged 18 or over
You have a personal annual income of £15,000 or over
You haven't had any County Court Judgement (CCJs) or bankruptcies in the last 12 months
Once accepted, you’ll receive a Mastercard credit card (made from 80% recycled plastic) that’s accepted at 26 million locations around the world.
Flexible credit with big rewards
Use your card to make purchases and withdraw cash from ATMs.
Up to 56 days' interest-free credit on purchases, if you pay in full each month.
No annual or monthly fee.
Credit limit review within the first six months to see if we can offer you a higher credit limit.
Flexible repayment options.
Mastercard contactless credit card accepted in millions of locations worldwide.
More information on interest-free credit.
Credit card cost calculator
Get an idea of how much interest you might pay with a Zempler credit card.
Summary of charges
Borrowing £5000 for 56 days at 20% interest* will cost you
£0.00
in interest
*% - daily interest rate
Representative APR 0.0% (variable)
Please note, this calculator is just a guide and is designed to show you the cost of short-term borrowing on a single purchase.
The calculation is based on the whole balance (amount due) across the average number of days selected. It assumes that you have a single transaction or balance from a specific point in time and no further transactions will be made until you make a payment.
It's not designed to show you the cost of borrowing on multiple purchases, borrowing over more than 56 days, or the impact repayments will have on paying off your balance.
All calculations are made in the assumption that you have made your payments on time. The calculator uses a single interest rate, but the interest rates for purchases or cash advances (such as ATM withdrawals, travellers' cheques, foreign currency, gambling stakes, casino chips or other cash alternatives) may vary, so you'll need to choose the relevant rate to see how much they could cost you.
If you pay the whole balance shown on your most recent credit card statement by the due date each month, you can benefit from interest free days.
Please be aware that any of the following could impact how much you owe in the end:
Frequently Asked Questions
Please visit our Frequently Asked Questions webpage for more information on the Zempler personal credit card, our fees and charges, how to make payments, and for any other questions.
Responsible Lending
At Zempler we’re strong believers in responsible lending, and we design our products in accordance with this belief.
To find out more about what this means to you, please visit our Responsible Lending web page.