Credit Card

Saga Platinum credit card

Useful information and telephone numbers for customers using the Saga Platinum credit card, provided by Allied Irish Banks, p.l.c.

Important information

Lost or Stolen Cards

Has your card been lost or stolen in the UK?

Call Freephone 0800 039 1143 or 0345 603 5473, Mon-Sun, 24 hours a day
Has your card been lost or stolen abroad?
Call +44 2890 328641, Mon-Sun, 24 hours a day

†Call charges may vary, please refer to your service provider.

Terms and conditions

To view the terms and conditions, please click here.

Security Features

With the Saga Platinum credit card 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.

Saga Platinum credit card Verified by Visa Frequently Asked Questions

Saga Platinum credit card Verified by Visa Terms of Service

Fraud text alerts

Allied Irish Banks, p.l.c. provides this service to help guard against fraud. If any suspicious behaviour is detected on your card, you will be contacted by text message. For more information regarding this service, please read the frequently asked questions below.

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 would you send me a Fraud Text Alert?

A: We would text you if 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 Platinum Credit 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 will 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 Platinum Credit 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 Platinum Credit 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: No. We won't email you as texting, or in some cases calling you, 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.

Close FAQs

A reminder of your Saga Platinum credit card's features and benefits

  • An affordable choice for everyday use with a representative rate of 11.9% APR (variable), which could make it an affordable choice for everyday use.
  • Internet fraud protection with 'Verified by Visa’ - a free service, provided in association with Visa International that protects your Saga Platinum credit card against unauthorised use when you shop online.

  • 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.

  • Receive exclusive discounts on Saga's holidays and cruises. When booking, ask about any cardholder discounts that may be applicable at your chosen resort or with cruise on-board purchases.

  • To save money when travelling abroad, many credit cards charge currency conversion fees for using your credit card overseas... we don't. Plus, Visa is accepted at 35 million places in over 200 countries!

  • 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.

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.


Who is the provider?

The Saga Platinum credit card and Saga Platinum online service are provided by Allied Irish Banks, p.l.c. Registered Office: Bankcentre, Ballsbridge, Dublin 4, Republic of Ireland. Registered in the Republic of Ireland: Registered No. 24173.


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.

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