A 5 star rated card to help with your everyday spending

Late paying

First thing's first, it's important to know we'll charge you £12 if you miss a payment. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. But we also know that life can get busy and it's easy to forget, 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.

Most people choose to set up a Direct Debit to pay their credit card, although there are other ways you can pay. 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 or a fixed amount or your full credit balance every month. 

If you'd prefer not to pay by Direct Debit, 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.

Like most credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a big purchase, for example plane tickets or a new sofa, a credit card could be a good way to help you buy now and spread the cost. 

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.

With Apple Pay and Google Pay™, your card details are securely stored within your phone, meaning you can easily make a contactless payment in shops. Simply place your device on 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 is available on selected Apple devices.

We want to make managing your credit card simple and safe. If you’ve misplaced your credit card, you can lock and unlock it 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? Try registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. Each travel plan can include up to seven countries and last for 90 days. You can create one travel plan at a time.