You could enjoy 0% foreign currency conversion fees on transactions worldwide and a low rate of Representative 11.9% APR (variable).
If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 11.29% variable, (Representative 11.9% APR variable), the total amount you will pay back is £1,273.40.
APR stands for Annual Percentage Rate.
Saga Personal Finance is a credit broker, not a lender.
Terms and Conditions
You can apply for a Saga Platinum credit card, if you are aged over 50, have a permanent UK address and bank account, and have a regular income over £12,000 a year. The decision to approve your application is based on the information provided in the application form as well as external credit reference information. Having multiple cards may impact the outcome of your application.
How to apply?
The Saga Platinum credit card may be able to meet all of your credit card needs.
Applying is easy, apply online. If successful, Allied Irish Banks, p.l.c. the card provider, will notify you by post and your credit card will be issued.
What are the benefits?
- 0% Foreign Currency Fees are applied to transactions worldwide
When you travel, Saga Platinum can help you make the most of your activities whether you are dining out, settling your hotel bill, or just shopping. Use your card to pay for goods and services and you’ll benefit from a 0% foreign currency conversion fee on transactions.
- 0% interest rate on cash withdrawals
With Saga Platinum you can enjoy up to 55 days of interest free cash withdrawals allowing you to spread your repayments over a couple of months. There is a 2% Fee (minimum £2) for each Cash Advance, whether it is made abroad or in the UK. If the balance is always settled in full by the payment due date. After that, interest will be charged from the date the transaction is debited to your account, based on 19.61% per annum.
- An affordable choice for everyday use
The Saga Platinum credit card has a representative rate of 11.9% APR (variable), which could make it an affordable choice for everyday use.
- Internet fraud protection
'Verified by Visa’ is a free service, provided in association with Visa International that protects your Saga Platinum credit card against unauthorised use when you shop online.
Exclusive discounts at Saga resorts
Saga Platinum credit card holders are eligible to receive discounts at many of Saga’s resorts and hotels. Remember to enquire at the time of booking to see if your chosen resort qualifies for a discount.
- 0% interest rate on purchases for the first 9 months**
Saga Platinum credit card could help you manage your finances or make a particular purchase possible as it allows you to spread the cost over the first 9 months interest free. This will allow you the comfort of repaying any purchases over a manageable period of time.
0% interest rate on Balance Transfers for the first 9 months (there is a 3% balance transfer fee on the full balance transfer amount)**
If you’re currently paying higher rates of interest on outstanding balances on other credit cards, you might consider transferring them to the Saga Platinum credit card. This will allow you 9 months to repay the outstanding balances without paying any interest.
- Manage your account online
The Saga Platinum online services allows you to keep track of all your spending even when you’re on holiday. You’ll be able to check recent and past transactions and request a credit limit increase or decrease, request a balance transfer, order a replacement card and other useful account services. You can register for this service as part of your application.
5% discount on board Saga cruise ships
When you use your Saga Platinum credit card on board any of Saga’s cruise ships, you will enjoy a 5% discount, helping your money go further on holiday.
**Introductory Rate charged for the first 9 months on purchases and Balance Transfers from the date the account is opened. At the end of this period the Introductory Rate reverts to the Standard Interest Rate applicable to the product at the time. A Balance Transfer Fee of 3% applies.
Representative Example: If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 11.29% variable, (Representative 11.9% APR variable), the total amount you will pay back is £1,273.40.
APR stands for Annual Percentage Rate.
Saga Platinum credit card features
To save money when travelling abroad – many credit cards charge currency conversion fees for using your credit card overseas... we don't.
Contactless payments allow you to pay for items that cost £30 or less, quickly and securely.
For more information, please refer to our Guide to Contactless Payments.
Convenience of not having to carry around cash or traveller’s cheques when on holiday – Visa is accepted at 35 million places in over 200 countries
Receive exclusive discounts on Saga's holidays and cruises
Saga Platinum could help you manage your finances or make a particular purchase possible as it allows you to spread the cost over the first 9 months interest free. This will allow you the comfort of repaying any purchases over a manageable period of time.
Save money by transferring balances from other credit cards with higher interest rates. A Balance Transfer Fee of 3% applies.
How does it compare?
Saga Platinum credit card
0% for 9 months
Virgin Money Travel credit card
0% for 12 months
Santander All in One credit card
0% for 30 months
No Introductory Purchase Rate
Rates correct as at 08 March 2018 Source: GoCompare.com - Comparison of credit cards with no fee for use abroad
Am I eligible?
You're 50 or over
You have a regular income over £12,000 a year
You have a good credit history*
You have a permanent UK address and bank account (Including Channel Islands and Isle of Man)
*Having multiple cards may impact the outcome of your application. The decision to approve your application is based on the information provided in the application form as well as external credit reference information.
With Saga Platinum you will have peace of mind when shopping online.
Verified by Visa
Verified by Visa protects your credit card against unauthorised use when you shop online at participating retailers.
Your card will automatically be enrolled to use Verified by Visa.
All you need to do is ensure that you and any Authorised Users have valid mobile phone numbers registered with us, because we may send a one time passcode by text message to your mobile phone to complete online transactions. You may not be able to proceed with your online transactions if you do not have a mobile phone or have not registered your mobile phone number with us. If this is the case you will be prompted to ring our customer services department.
If you experience difficulty using the service or you require further information, please see our Terms of Service and FAQs below or contact our customer services department on 0345 603 5468†.
†Call charges may vary, please refer to your service provider.
Frequently Asked Questions for Fraud Text Alerts for Saga customers. Click to open.
Q: What are Fraud Text Alerts for my Saga Platinum credit card?
A: To help prevent fraud on your card.
Q: Why may you text me?
A: We may text you when we are suspicious about how your card is being used, for example, if it is being used:
- outside your normal purchasing patterns,
- in another country, perhaps for the first time,
- at unusual times, and
- in a pattern that matches known fraud trends.
Q: How will I know the text is from Saga Card Services?
A: The text will come from +447537414532. This is a number for texting only and it won’t answer if you ring it. We will identify ourselves straight away as ‘Saga Platinum Card’. We will not ask you for account numbers or PIN numbers. We will ask you to confirm whether or not you made a transaction with a simple ‘Y’ or ‘N’ reply. If you are not happy to answer the text, you can call the number on the back of the card.
Q: What will the text say?
A: Here is a sample of the text we may send you. It will not identify you or your card:
Saga Platinum Card: Please confirm spend with card ending 1234. DD/MM/YY GBP 000000000 at Amazon Digital. If this is yours, reply ‘Y’, if not reply ‘N’.
Q: What happens then?
A:If you reply ‘Y’, we will send you this message:
Saga Platinum Card: Thank you for confirming spend of GBP 000000000 at Amazon Digital. It’s OK to continue using your card.
A: If you reply ‘N’ we will send you this message:
Saga Platinum Card: Thank you for your reply. We have placed a hold on your card and it cannot be used. Our Fraud Team will contact you shortly.
If you reply ‘N’, we will place a hold on the card and get in touch with you to tell you your options.
Q: What happens if I don’t reply to a text?
A: If you do not respond within four hours of receiving the original text we will send another message:Saga Platinum Card: We are unable to confirm spend on your card. We have placed a hold on your card. Please call us on the number on the back of your card.
Q: What happens if I reply with something other than ‘Y’ or ‘N’?
A: ‘Yes’ ‘Yep’ ‘Ye’ ‘Yeah’ will be treated as ‘Y.
‘Nope’ ‘Na’ will be treated as ‘N’.
For any other reply (for example ‘I don’t know’) within four hours, we will send another text:
Saga Platinum Card: Your response is unclear. Please reply “Y” if genuine, “N” if you didn’t spend GBP 000000000 at Amazon Digital.
If you respond again with an unclear response within four hours, we will send a further text:
Saga Platinum Card: We are unable to confirm spend on your card. We have placed a hold on your card. Please call us on the number on the back of your card.
Q: What happens if I reply four hours after you first sent me a text?
A: At that point we may call you, but in any case we will send you this response:
Saga Platinum Card: If you have not spoken to us already please call us on the number on the back of your card as soon as possible.
Q: When will you send me texts?
A: We send texts as soon as we suspect activity on your card that is outside normal patterns. This may be at any time of the day on any day of the year.
Q: Do I have to register for text alerts?
A: No, if we have a mobile phone number for you, we may send you a text automatically whenever necessary.
Q: Will I automatically be sent these fraud text alerts?
A: Texts to alert you to possible fraud are an addition to our existing fraud detection programme. If we have a mobile phone number for you, we may text you.
Q: Can I call the number that texts me?
A: The number that texts you will not answer if called. We send the text automatically when we notice something on your account that is outside your normal pattern. If you have any queries about the text you can call the number on the back of your card.
Q: Is there a cost for text alerts?
A: Receiving a text from us will cost you whatever your mobile phone operator charges you for receiving a text.
Q: Will it cost me to reply to Saga Card Services?
A: To reply to us will cost you whatever your mobile phone operator charges you for sending a text.
Q: How can I check what number Saga Card Services have on file in order to text me?
A: Call the number on the back of your credit card we will be able to confirm the mobile number we have for you.
Q: Will you email me for a fraud alert?
A: We may text you and in some cases call you. We won’t email you because texting or calling is more immediate.
Q: What happens if I don’t have a mobile phone or my phone doesn’t receive texts?
A: If we can’t reach you by text to ask you to confirm a card transaction, we will try to call you. If we are unable to make contact with you we will place a hold on your card and send you a letter and wait for you to call us.
Who is the provider?
Saga Personal Finance is a registered trading name of Saga Personal Finance Limited (SPF), which is authorised and regulated by the Financial Conduct Authority. SPF is registered in England and Wales (Company No. 3023493). Registered office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE.
Saga Personal Finance is a credit broker, not a lender.