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Using your card abroad

Managing your Rafidain Bank Select Credit Card

We thought you might have some questions about how you can check your spending day to day, so we've included the different ways you can manage your account here. We've also added some information about our commission-free use abroad. Please note that the balance transfers at 0% must be made within 3 months from account opening.

With Select, there's no commission charge for credit card purchases abroad

Yes, that's right, the Rafidain Bank Select Credit Card features commission-free purchases abroad. Quite simply all purchases overseas will be free of any commission charges - which is great news for your holiday spending!

How overseas purchases work

If you carry out a transaction using your card in a currency other than sterling, it'll be converted to sterling on the day the transaction is processed by our card scheme providers at a wholesale rate of exchange.

For an indication of that exchange rate, you can see the Visa wholesale rate of exchange at visaeurope.com/fxcalculator. (This is an "indication" as rates can change daily and transactions are processed when the retailer passes them on to the scheme provider, which is generally not on the same day the transaction took place.)

To compare the rates and charges for using your card abroad, please see our using your cards abroad page.

Lady preparing to use her credit card whilst abroad

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*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 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

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