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MBNA Ltd Long Balance Transfer Credit Card

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Card review

MBNA Ltd Long Balance Transfer Credit Card

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

Market-leading 36-month 0% balance transfer to clear existing card debt.

Fee: No fee
Purchase APR: from 24.9%
Interest-free: -
Foreign fee: 2.95%

Rewards

Up to 15% cashback at selected retailers via MBNA Smart Rewards opt-in programme. No flat-rate cashback on general spending.

Our verdict

What stands out, and where it falls short.

What we like

Up to 15% cashback at selected retailers via MBNA…
No card fee

Worth weighing

2.95% foreign transaction fee

Who It Is For

Whether the MBNA Ltd Long Balance Transfer 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 24.9%
Interest-free period: -
Foreign transaction fee: 2.95%
Representative APR: 24.9% variable
Balance transfer offer: 0% for 36 months (3.29% fee); must transfer within 60 days
Money transfer offer: 0% for 12 months (4% fee)
Annual fee: £0
Foreign transaction fee: 2.95%
Cash advance fee: 5%

Rewards and features

Rewards: Up to 15% cashback at selected retailers via MBNA Smart Rewards opt-in programme. No flat-rate cashback on general spending.
Pay with: Apple Pay, Google Pay, Contactless
Interest-free days on purchases: Up to 56 days if balance paid in full each month
Balance transfer cap: Up to 93% of credit limit; cannot transfer from Lloyds Banking Group cards

Benefits and perks

Extras that come bundled with the card.

Section 75 protection on purchases £100–£30,000
Smart Rewards: up to 15% cashback at selected retailers

Eligibility

What you need before you apply.

Minimum age: 18
Residency: Permanent UK address for 3+ years required

MBNA Ltd Long Balance Transfer Credit Card: your questions answered

Does the MBNA Ltd Long Balance Transfer Credit Card have a card fee?

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

What rewards does the MBNA Ltd Long Balance Transfer Credit Card earn?

The MBNA Ltd Long Balance Transfer Credit Card earns Up to 15% cashback at selected retailers via MBNA Smart Rewards opt-in programme. No flat-rate cashback on general spending..

Does the MBNA Ltd Long Balance Transfer Credit Card charge foreign transaction fees?

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

What is the interest rate on the MBNA Ltd Long Balance Transfer Credit Card?

The MBNA Ltd Long Balance Transfer Credit Card has a purchase APR of from 24.9%.

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

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

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

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

Where can I get the MBNA Ltd Long Balance Transfer Credit Card?

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

How does DebitCue rate the MBNA Ltd Long Balance Transfer Credit Card?

DebitCue rates the MBNA Ltd Long Balance Transfer 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.

How do I apply for the MBNA Ltd Long Balance Transfer Credit Card?

Use the Apply now button to continue on MBNA's secure site. Comparing and applying through DebitCue is free.