The card that rewards you for everyday spending

We’ve kept our Reward scheme nice and simple: 5 Reward points equals £5 when redeemed. To give you a clear idea of how many points you can earn with your spending, we’ve created a special calculator to help you do just that.

Calculate my Rewards

We’ve got a list of selected retailers that will offer you at least 1% Rewards, such as Harvey Nichols, National Express and Europcar.

From time to time, you’ll get personalised offers with even more Rewards, up to 15%!

We’ll contact you by email to remind you of the amount of available Rewards you’ve got to spend, and the latest offers.

What you should know

All Rewards offers are subject to the retailers’ terms, conditions and exclusions. 

Once you’ve earned them, you’ve got options how to spend them. And this is where our Rewards are so versatile. You can either:

Bank them

Simply convert them into money and it goes into your bank account.

Trade up

Convert your Rewards into gift cards from the selected partner retailers- sometimes you’ll even get gift cards of a greater value.

Donate to charity

Use your Rewards to make a charitable donation to one of our selected charities.

Usually, there is an annual fee with this credit card, but if you have one of our Reward current accounts there’s no card fee.

Take a look at our Reward current account

What you should know

If you don’t have a Reward current account, we’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.

There are several ways you can pay your credit card. The most common is setting up a Direct Debit. Once you’ve set it up, the payment will be taken automatically each month. You can choose to pay the minimum amount, the minimum payment plus, a fixed amount or your full credit balance every month. 

You can also make a payment in the mobile app or Online Banking.

Our repayment calculator will show you how much faster you might be able to clear your credit card balance if you pay more than the minimum amount.

What you should know

If you set up a Direct Debit for the minimum, minimum payment plus, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

Late paying

If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit

If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log ontoEdnites Credit Unioning or fire up our mobile app and check your balance before you make your next card purchase.

For full details of fees, please see the Summary Box in the Ready to apply section below.

Like most credit card providers, we offer 56 days interest free credit on purchases on our credit cards, as long as you pay your balance (and your previous month's balance) in full and on time each month. So, if you want to buy those plane tickets, get that comfy new bed, or make other expensive purchases, a credit card could mean you don’t have to come up with the money in one chunk.

Instalment Plans

You will need the Ednites Credit Union mobile app to set up, track and manage an Instalment Plan. Then, you can repay eligible credit card purchases or expired 0% balance transfer offers between £100 and £3000 inclusive. If Instalment Plans are available to you, we’ll let you know via our mobile banking app by adding an ‘eligible instalment plan flag’ to your transaction, or as a notification when your 0% balance transfer offer has expired.

With an Instalment Plan, you can:

• Pay back your purchase over a set period that suits you. This can be between 3 to 24 months.
• Avoid interest and pay a set fee each month instead. The fee could end up being cheaper than your standard credit card interest rate.
• Make an easy repayment budget by avoiding hidden costs.

Learn more about Instalment Plans and how to create one

What you should keep in mind

• Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply.
• To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced. You cannot have a cash balance on your credit card account.
• Your monthly payments and fee will vary according to the size of your purchase and how long you’re taking out the plan for.
• The Instalment Plan counts as existing credit limit, which means you can’t free up additional funds by moving a purchase to an Instalment Plan. The Instalment Plan should be lower than your usual repayment interest on your card.

Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. Just touch your device to the card reader and hey presto! Payment made.

Learn more about Apple Pay
Learn more about Google Pay

Remember, all our credit cards are contactless too. It’s a super quick and no-fuss way to pay for items of £45 or less.

What you should know

Apple Pay and Google Pay available on selected devices.

Managing your credit card and keeping safe should be simple. That’s why we allow you to lock and unlock your credit card in the app. You can also request a PIN reminder or unblock your PIN through the app. This feature applies to Mastercard credit cards only.

You can use the mobile app to check your balance, set a daily or monthly budget and lock certain transaction types. If you accidentally go over budget, we’ll send you a notification as a handy reminder. Managing your credit card in the app is easy too – you can pay your balance, set up a direct debit, change your credit limit and lots more.

Want to stay on top of your financial health? View your credit score and some of the key details that help to calculate it for free in the app by going to your Profile. You can check it as often as you like with no impact on your credit score. Credit score is available once opted in through the app, to customers aged 18+ with a address, and is provided by TransUnion.

On the iPhone you can order a replacement for a lost or damaged credit card straight from the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’. It’s that simple.

Off on your next trip? Register your travel plans through the app to stop your transactions from being blocked or flagged as suspicious. Just tap on your account, tap ‘Manage my card’ and then ‘Going abroad.’ Travel plans can be made for up to 90 days and include up to seven countries. You can only create one travel plan at a time.