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Debit Cards

Debit cards are associated with a bank account and allow you to pay at physical or online stores, and withdraw cash from ATMs and bank branches. The amount is deducted from the available balance. If there isn’t enough money in the account, the transaction will not be completed. The daily spending limit on the debit card is set to keep your account safe.

Credit Cards

Credit cards can be used to defer payment when making a purchase, to finance specific operations, or to have money to cover your expenses within a specific time and credit limit. The main difference between a debit card and a credit card is that the transactions are deducted from the available balance. There is no requirement that the amount is available in your account at the time of purchase with credit cards.

Prepaid Cards

Prepaid cards can be loaded with the amount you want to spend on products and services, within the limits set by the bank itself. It allows the user to manage costs, since these cards do not allow spending more money than is available. Prepaid cards can be topped up multiple times, just as needed.

Virtual Cards

Virtual cards can be used to make online purchases without using cash or a physical card. These types of cards do not have a physical form. However, similar to physical cards, virtual cards require information associated with them — such as the card number, expiry date, or CVV code.

Welcome Bonuses

Many cards will give you a bonus worth £10+ for account opening or when you spend a certain amount in the first few months of the account opening. Other cards will give you reward points or miles that can be redeemed for travel, gift cards, merchandise, and more.

Cashback

This concept of cashback on spending has become very popular. Use the card to get X% back on your purchases.

Reward Points

Reward points are given for spending in certain categories. Once you reach a set earning threshold, points can be redeemed for travel, gift cards from retailers, restaurant vouchers, or merchandise through the credit card company’s online rewards portal.

Credit Builder

A credit builder can help people with poor credit histories or low credit scores get back on track. Improving your credit score makes it easier to access credit and qualify for better offers.

Insurance

Most cards come with a variety of protection benefits, such as car hire insurance, travel insurance, etc.