Overview: Applicants can get an online decision in 60 seconds and customers can manage their account online 24 hrs a day.. Their credit card is issued by HFC Bank Limited. You can get buildings and contents insurance under their home insurance program. You can choose what your card looks like. They offer personal loans. They sell travel, motor and house insurance to residents of the United Kingdom. They have a Cashback incentive program. There is no annual fee and you have up to 56 days of interest free credit on new purchases though not on transferred balances or cash advances. You can get Free Travel Accident Insurance with your card, as well as travel deals and special offers.

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