Credit Card

Saga Platinum credit card

Whether you’re looking to save money when travelling abroad, transferring a balance from another card or just looking for a great all-round credit card, the Saga Platinum credit card, provided by Allied Irish Banks, p.l.c. could be a smart choice.

You could enjoy 0% foreign currency conversion fees on transactions worldwide and a low rate of Representative 11.9% APR (variable).


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.


Terms and Conditions

To view the full Terms and Conditions for the Saga Platinum credit card click here or for a summary of the key product features click here.

How to apply?

 
The Saga Platinum credit card may be able to meet all of your credit card needs.

Download our Saga Platinum credit card Summary Box showing key product features (PDF).

Applying is easy, either call us on 0800 096 4082 (Lines open Monday to Friday 9:00am to 5:00pm) or 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?

Here are some of the great ways a Saga Platinum credit card could benefit you:

  • 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 will 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 when booking a holiday through Saga
    When you use your Saga Platinum credit card to book a Saga holiday, you will enjoy a 50% discount on the transaction fees. When using an alternative credit card to book a Saga holiday a 2% booking fee will apply but Saga Platinum credit card holders will only pay 1%.

  • 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.

  • 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.

**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.

  • 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?


Credit Card

 
Representative APR% 


Introductory purchase rate

Saga Platinum credit card  

11.9

0% for 9 months

Post Office credit card 

17.8

0% for 3 months

Aqua Advanced credit card

34.9

No introductory rate

Nationwide Select credit card

15.9

 0% for 12 months*


*Offer only available to existing Nationwide FlexAccount, FlexDirect or FlexPlus Account holders

Rates correct as at 05 July 2016 Source: GoCompare.com - Comparison of credit cards with no fee for use abroad

Am I eligible?

Before you apply for a Saga Platinum credit card, please check that the below are true:

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.

Important Information

Lost/Stolen Cards
Has your card been lost or stolen in the UK?
If so, please call 0345 603 5473, Mon-Sun, 24 hours a day
Has your card been lost or stolen abroad?
If so, please call +(44)2890 328641, Mon-Sun, 24 hours a day

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

Security Features

With Saga Platinum you will have peace of mind when shopping online.

Verified by Visa protection

'Verified by Visa’ is a free service, provided in association with Visa International which offers an enhanced service to protect your card against unauthorised use when you shop online.

Once you’ve registered your Saga Platinum credit card with ‘Verified by Visa’ you’ll be protected when you shop online with over 300,000 retailers across Europe. Simply look for the ‘Verified by Visa’ logo when you shop online.

When you register, you will be asked to enter a confidential password. Each time you make a purchase with a ‘Verified by Visa’ retailer, you will be asked to enter random characters from your password to confirm your purchase – just as if you were making a purchase face to face. This will allow you the confidence that your card will only be used for transactions that you’ve authorised.

 Register now – it’s fast, free and easy

All you need is your Saga Platinum card number together with some additional pieces of information personal to you. You will then be asked to enter a confidential password and choose a login name.

Please note that you will be taken to an external site to register your card.

Register for Verified by Visa


If you already have a Saga Platinum credit card and wish to sign up for the service, please contact Allied Irish Banks, p.l.c. on 0345 603 5468 (+44 28 9032 8562 if you are abroad). Please note that you will need a valid email address in order to use the online banking service.

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

SMS text alerts

Allied Irish Banks, p.l.c. have introduced this facility to help guard against fraud. If they suspect any suspicious behaviour, you will be contacted by SMS. For more information regarding this feature, please read the frequently asked questions below.

Frequently Asked Questions for Saga Card Services text alerts. Click to open.

Q: Why are AIB introducing text alerts for my Saga Platinum credit card?

A: To help prevent fraud on your card.

Q: Why will 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 447537414900. 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 three 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 three 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 three 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 three 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 new 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 will 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 will 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 you to call us.

Close FAQs

Who is the provider?

The Saga Platinum credit card and Saga Platinum online service are provided by Allied Irish Banks, plc. 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 Acromas Financial Services Limited, which is registered in England and Wales (Company No. 3023493). Registered office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. 

Acromas Financial Services is a credit broker, not a credit lender.

Other Saga products you may be interested in

Saga Travel Insurance

Which? Recommended travel insurance for the over 50s.
  • No upper age limit
  • Cover for most pre-existing medical conditions
  • 24 hour helpline.

Saga Travel Money

Competitive exchange rates and free delivery on orders over £400. Plus, safe and fast online ordering.