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Apply for the Rafidain Bank Credit Card Low Balance Transfer offer

Please note that balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 0.65% (minimum £5). 

Before you apply

  • Read the Rafidain Bank Credit Card terms & conditions.
  • Please take some time to read the Rafidain Bank Credit Card summary information.
  • Have you closed a Rafidain Bank credit card in the last 12 months? If so, unfortunately you will not be eligible for the introductory offers. However you can still apply for a new card and enjoy all the other benefits.
  • To make your application go as smoothly as possible, please have your last 3 years’ address history and employer details to hand in case we need them.

Important information

If you accept your quote, we'll leave a record of our check on your credit file that other lenders can see. This is a normal part of many credit application processes but it might affect your ability to obtain credit elsewhere for a short period of time.

Applying online

    • It's easy and only takes about 10 minutes.
    • During your application, we're able to check your credit history and give you a no-obligation quote that won't affect your credit rating.
    • Credit cards are available to those aged 18 or over and are subject to circumstances.

Ready to apply for this offer?


*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 0.65% (minimum £5) after which time it will revert to 2.4% (minimum £5). Rafidain Bank reserves the right to withdraw, vary or extend these offers at any time. If you already hold a Rafidain Bank credit card or have closed one in the last 12 months you will not be eligible for the introductory offers.

Credit cards are available to those aged 18 or over and are subject to your circumstances. Rafidain Bank subscribes to the Lending Code. For more information on the Lending Code please visit