Existing credit card customer?
Find out more using the links below
Why haven't I received a credit limit increase?
These are some reasons you might not be eligible for a credit limit increase:
- Your credit card has been open for less than 4 months
- You’re using more than 95% of your credit limit
- You’ve missed or been late making a payment recently
- You’re only making the minimum repayment each month
Frequently Asked Questions
This is the maximum amount of credit available on your Zempler Credit Card. You can see your credit limit in your monthly statements and in the Zempler Bank app and Online Banking.
Please note, other limits and restrictions may apply. For example, a cash limit may apply to your account (refer to your Agreement for details) and there are limits on how much you can withdraw from an ATM at a time: a maximum of £50 per ATM withdrawal and £150 in a single day.
If you make at least the minimum payment on time (by the due date shown on your statement each month), and use your card in line with your credit agreement, you’ll be able to continue using your credit card up to your credit limit.
However, we’ll always have the right to decrease your credit limit. This will mainly depend on how you use your card.
We also reserve the right to close your account if you breach the terms and conditions upon notice.
You can use your Zempler Credit Card to make purchases, card payments or cash withdrawals at millions of locations worldwide. Just look for the Mastercard logo.
APR stands for Annual Percentage Rate.
This is a standardised term that describes the annual rate of interest as well as any fees you might need to pay as a borrower. Interest + Fees = APR. The higher the APR, the more expensive the loan or credit card will be.
You’ll find your APR on your Pre-Contract Credit Information and Credit Agreement.
There are two types of APR:
- Representative APR - All banks and lenders use Representative APR. When you see this term, it means that the interest rate has been given to at least 51% of customers who apply successfully. It’s a useful comparison tool.
- Personal APR - This is the actual interest rate you are offered. This could be the same as, higher or lower than the Representative APR depending on your personal circumstances.
Yes, it could improve your personal or business credit rating if you make all your repayments on time. But paying late or missing payments could hurt your rating, as we’re obliged to report negative as well as positive information to credit reference agencies.
This could make it more difficult to get credit in the future. It could also result in legal action against you to recover the debt if you don’t make your repayments on time.
You can use the Zempler Credit Card for pretty much anything. Use it for your everyday purchases, emergencies or unexpected bills. You can use it both at home in the UK, or when travelling abroad.
If you’re a business, you can use the Zempler Business Credit Card to pay suppliers or cover one-off payments that you didn’t budget for. It’s ideal for businesses that have occasional short term cash flow needs, such as start-ups or those new to credit.
Remember, different interest rates and charges are applied to different types of transactions, such as purchases and cash advances.
You can find more information about these in the Summary Box and Precontract Credit Information that you’ll need to read when you apply for a credit card and will be sent to your email if approved.
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.
Thanks for your interest
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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.
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.
Zempler Bank provides credit facilities subject to approval and affordability.
Representative Example
Representative APR
29.9% variable
Purchase rate
26.48 p.a. (variable)
Assumed credit limit
£1200
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
APR 21.9% (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. When entering the interest rate in the calculator, this should be the annual rate.
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.