Credit card

MBNA Ltd Credit Card

Cash back

VISA

Apply for MBNA Ltd Credit Card

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Card review

MBNA Ltd Credit Card

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

A lower-rate everyday card with introductory flat-rate cashback.

Fee: No fee
Purchase APR: from 12.9%
Interest-free: -
Foreign fee: 2.95%

Rewards

0.25% cashback on all purchases for the first 36 months (introductory period); after 36 months the flat-rate cashback ends. Additional retailer-specific cashback of up to 15% available via MBNA Smart Rewards opt-in offers.

Our verdict

What stands out, and where it falls short.

What we like

0.25% cashback on all purchases for the first 36…
No card fee

Worth weighing

2.95% foreign transaction fee

Who It Is For

Whether the MBNA Ltd Credit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Purchase APR: from 12.9%
Interest-free period: -
Foreign transaction fee: 2.95%
Representative APR: 12.9% variable
Annual fee: £0
Foreign transaction fee: 2.95%
Cash advance fee: 5%

Rewards and features

Rewards: 0.25% cashback on all purchases for the first 36 months (introductory period); after 36 months the flat-rate cashback ends. Additional retailer-specific cashback of up to 15% available via MBNA Smart Rewards opt-in offers.
Pay with: Apple Pay, Google Pay, Contactless
Interest-free days on purchases: Up to 56 days if balance paid in full
Smart Rewards: Up to 15% cashback with participating retailers via opt-in offers

Benefits and perks

Extras that come bundled with the card.

Section 75 protection on purchases £100–£30,000
No foreign transaction fee waiver — 2.95% applies abroad

Eligibility

What you need before you apply.

Minimum age: 18
Residency: UK permanent address required

MBNA Ltd Credit Card: your questions answered

Does the MBNA Ltd Credit Card have a card fee?

No - the MBNA Ltd Credit Card has no card fee.

What rewards does the MBNA Ltd Credit Card earn?

The MBNA Ltd Credit Card earns 0.25% cashback on all purchases for the first 36 months (introductory period); after 36 months the flat-rate cashback ends. Additional retailer-specific cashback of up to 15% available via MBNA Smart Rewards opt-in offers..

Does the MBNA Ltd Credit Card charge foreign transaction fees?

Yes - the MBNA Ltd Credit Card charges a 2.95% foreign transaction fee.

What is the interest rate on the MBNA Ltd Credit Card?

The MBNA Ltd Credit Card has a purchase APR of from 12.9%.

Is the MBNA Ltd Credit Card a credit, debit or prepaid card?

The MBNA Ltd Credit Card is a credit card issued by MBNA on the Visa network.

Does the MBNA Ltd Credit Card support Apple Pay and Google Pay?

Yes - the MBNA Ltd Credit Card works with both Apple Pay and Google Pay.

Where can I get the MBNA Ltd Credit Card?

The MBNA Ltd Credit Card is currently offered in United Kingdom.

How does DebitCue rate the MBNA Ltd Credit Card?

DebitCue rates the MBNA Ltd Credit Card 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.