Barclaycard’s Platinum range is built for moving existing credit-card balances to a long 0% window, buying time to clear debt without interest.
Transfers generally must be made shortly after opening to qualify, and once any promotional period ends, interest reverts to your standard variable rate.
Your terms depend on status and the exact card variant you’re offered.
Barclaycard Platinum Key Features at a Glance
You have up to 35 months on balance transfers from account opening, with a 3.45% balance-transfer fee.
Transfers usually must be completed within 60 days of opening to get the promotional rate.
A “Platinum up to 22 months” balance-transfer option is also marketed, often with a lower transfer fee. Product availability and fees can vary by offer.
Barclaycard also promotes a no-fee balance-transfer product with a shorter 0% window (for example, up to 14 months).
Tip: “Longest” isn’t always “cheapest.” A 3.45% fee on a large transfer can outweigh the value of extra months if you can clear the balance sooner.
How a Barclaycard Platinum Balance Transfer Works
First, apply for and open the card. If approved, you’ll get a credit limit and, if eligible, a balance-transfer offer showing the 0% duration and fee.
You’ll be asked for certain information during your application.
- Personal details & ID: full name, date of birth, UK address history (typically 3 years).
- Income & outgoings: employment status, annual income, major monthly commitments.
- Existing credit details: if you plan a balance transfer, have the other card number(s) and amounts ready.
Request the transfer by providing the card number and the amount you want to move. Barclaycard will send the payment to your old lender.
Keep paying the old card until you see the transfer post and the old balance is reduced to zero.
Pay on time each month. Missing a payment can end your 0% period early and trigger your standard variable APR on the remaining balance.
Clear the balance within the 0% window
When the promotion ends, any remaining balance moves to your standard rate.
Build a repayment plan that finishes before month 22 or 35, depending on the card you choose.
Costs You Should Expect
Transfer fee.
- Long 0% card: 3.45% fee on each balance transferred (≈ £34.50 per £1,000 moved).
- Mid 0% card: Often shows a lower fee (for example, 1.49%) alongside an “up to 22 months” promotional period.
- Representative APR: 24.9% APR (variable) with 24.9% p.a. (variable) on purchases, based on a £1,200 representative limit (illustrative).
- Purchases: Some Platinum variants include short 0% purchase periods (for example, three months). Treat purchases separately from your transfer and focus on clearing the transferred debt first.
Who Barclaycard Platinum Suits (and who should be cautious)
Good fit if you hold existing credit-card debt at a higher APR and want interest-free time to repay.
You can set up a fixed monthly payment that clears the balance by the end of the 0% term.
Think twice if you plan to make new spending on the card and risk diluting your payoff plan.
You’re unsure you can pay on time; late payments may end the 0% period early and expose the balance to the standard APR.
Step-by-Step Payoff Plan
Total your debt and choose the shortest 0% window you can realistically clear (fees matter).
Divide the balance by months to set a fixed payment. For example, £3,000 over 22 months ≈ £136/month; over 35 months ≈ £86/month.
Automate payments via Direct Debit to avoid missing due dates. Avoid fresh spending on the transfer card until the balance is gone.
Revisit after 12 months: if your income increases, raise your monthly payment to finish sooner and reduce the risk of a leftover balance at the end of the promo.
Practical Application Tips
Use the eligibility checker first to see your likelihood without harming your credit score; Barclaycard offers an online checker across its consumer cards.
Transfer quickly (ideally within the first few weeks). The 60-day cut-off is typically firm for promotional terms.
Don’t transfer from another Barclays/Barclaycard account. Balance transfers usually must be from non-Barclays cards (check your terms before applying).
Set a calendar reminder one month before your 0% ends to verify any remaining balance and adjust payments.
Contact Details (official)
Customer service (UK): 0333 200 9090. For calls from abroad, a commonly published number is +44 (0)1604 230 230.
Registered office: Barclays Bank PLC, 1 Churchill Place, London, E14 5HP, United Kingdom.
The Fine Print That Matters
Minimum-payment formulas can change over time. Always aim to pay more than the minimum to reduce overall cost and time to repay.
Specific fees, durations, and purchase offers can change and may differ by eligibility.
Always verify the live details on the application page before you apply.
Barclaycard Balance-Transfer Cards — Side-by-Side
Here’s a clear, current comparison of Barclaycard’s main balance-transfer options in the UK, so you can pick the one that best fits your payoff plan.
| Card (official name) | 0% on Balance Transfers | Balance-Transfer Fee | 0% on Purchases | Key rules/notes |
|---|---|---|---|---|
| Barclaycard Platinum – Long Balance Transfer | Up to 35 months | 3.45% per transfer | Usually 3 months | Transfers must be completed within 60 days of account opening to secure the promo. Min transfer typically £250; you can move balances from up to five non-Barclays cards. Representative example pages show 24.9% APR (variable). |
| Barclaycard Platinum – Balance Transfer (mid-length) | Up to 22 months | 1.49% (illustrated on the product page) | — | Also requires transfers within 60 days of opening to lock the 0% rate. Representative example typically 24.9% APR (variable). |
| Barclaycard Platinum – No-Fee Balance Transfer | Up to 14 months | 0% (no transfer fee) | Often 3 months | Shorter 0% window but no fee. Transfers must be made within 60 days from account opening. |
| Barclaycard Platinum – Purchase & Balance Transfer | Up to 21 months | 3.45% | Up to 24 months | Mixed-use card if you also need a long 0% period on new spending. |
Conclusion
Barclaycard Platinum’s 35-month 0% option is one of the longest promotional windows available.
The key to saving money is disciplined repayment: set a fixed amount that clears your balance before the promo ends.
If you need help or want to confirm details, call Barclaycard on 0333 200 9090 or use the eligibility checker before applying.
Disclaimer: This guide is informational and not financial advice. Product fees, APRs, eligibility criteria, durations, and contact hours can change; verify the current offer details with Barclaycard or customer service before applying.
