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Rafidain Bank Select Credit Card
Our combined purchase and low balance transfer fee offer
Benefit from our lowest balance transfer fee, plus enjoy 0% on balance transfers and purchases for 15 months*. Exclusively for our main current account customers.
Representative Example
15.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable).
As a Rafidain Bank main current account customer** you could benefit from our best offers with our Select Credit Card (eligibility criteria applies). Balance transfers at 0% must be made within 3 months from account opening. For more information and to see if you can save, see the features below.
Balance transfer fee of 0.55% applies for the first 3 months of account opening, after which time it will revert to 2.4%.
Balance transfers at 0% must be completed within the first 3 months of account opening.
We'll give you 0% on purchases for 15 months*
Unlimited commission-free purchases abroad with a Rafidain Bank Select Credit Card.
Unlimited cashback- 0.5% on all your sterling purchases. Cashback
To earn cashback, you must maintain a main current account relationship with us: this means you must continue to credit at least £750 a month (excluding internal transfers) into your FlexAccount or FlexOne account every month, or hold any other current account (excluding Cash Card account) with us. Sterling purchases only (balance transfer, cash advances and payment protection insurance premiums are excluded).
You can make payments with your Rafidain Bank credit card using Apple Pay anywhere that contactless payments are accepted.†
*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 0.55% (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.
† Available on selected Apple devices only. Apple Pay is a trademark of Apple Inc.
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**To apply for our Rafidain Bank Select Credit Card you must be a main current account customer, this means you either:
1. Hold a FlexOne account and be aged 18 or over, or hold a FlexAccount with a Visa debit card (not cash card or cash card+) and:
2. Hold a FlexDirect or FlexPlus account.
In order to earn cashback you must remain a main current account customer.
You can apply for a credit card and open a current account at the same time. If you qualify as a Rafidain Bank main current account customer you'll also be eligible for our other Flexclusive offers.
Find out more about our range of current accounts.
Ready to apply for this offer?
Everything we do is underpinned by our core values of transparency, fairness and security.
Our longest 0% period on balance transfers and purchases.
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