The Marbles Credit Card is a UK credit card issued by NewDay Ltd, designed mainly for people who want to build or improve their credit history.
It can be used anywhere Mastercard is accepted and is managed fully online through a customer account and mobile app.
The card has no annual fee and offers standard purchase protection under UK credit regulations.
What Is the Marbles Credit Card?
Marbles is a credit-builder credit card, meaning it is aimed at customers with limited or imperfect credit histories.
Approval, credit limits, and interest rates depend on individual circumstances.
Purchases may benefit from an interest-free period if the balance is paid in full by the due date.
The card is issued and administered by NewDay Ltd, a UK-based financial services company that also manages other consumer credit brands.
| Pros | Cons |
|---|---|
| Designed for building or improving credit history | High representative APR compared to mainstream cards |
| No annual fee, making it cheaper to hold long term | Interest charges apply if balance is not paid in full |
| Eligibility check uses a soft credit search | Low initial credit limits for many applicants |
| Accepted anywhere Mastercard is used | Cash withdrawals are expensive due to fees and interest |
| Multiple payment options, including Direct Debit and online payments | Foreign transaction fees apply when spending abroad |
| Online account and mobile app for easy account management | Over-limit spending may trigger additional fee |
How to Apply for a Marbles Credit Card
To apply for a Marbles Credit Card, you generally need to be a UK resident with a regular income.
Applications are subject to credit and affordability checks. Meeting the basic criteria does not guarantee approval.
Marbles provides an eligibility check that lets you see whether you are likely to be accepted before submitting a full application.
This check uses a soft search, which does not affect your credit score.
Complete the Online Application
If the eligibility check is positive, you can proceed with the full application. You will need to enter:
- Full name and address history
- Employment status and income
- Date of birth and contact details
- All information must match official records to avoid delays.
In some cases, additional verification may be required. This can include proof of address or identity checks to comply with UK financial regulations.
If approved, your credit limit and personalised terms will be confirmed.
Your card is then sent by post, along with instructions on how to activate and manage it online.
Interest Rates, Fees, and Charges
Before applying, it is important to understand the typical costs associated with the card:
- Representative APR: 34.9% variable
- Annual fee: £0
- Interest-free purchases: Up to approximately 56 days if you pay the balance in full each month
- Cash withdrawal fee: Typically 5% of the amount withdrawn (minimum charge applies)
- Foreign currency transaction fee: Usually around 2.95%
- Over-limit fee: Usually around £12 if you exceed your credit limit
Your actual rate and fees may vary depending on your personal offer.
How to Pay Marbles Credit Card
Direct Debit: Pay the minimum amount, full balance, or a fixed amount automatically each month
Online payment: Pay using a debit card through your online account or app
Bank transfer: Use the provided account details from your statement
Cheque payment: Send payment by post using the giro slip
Can I Transfer Money From Marbles Credit Card?
Many applicants ask, Can I transfer money from my Marbles credit card accounts.
Marbles may offer balance transfer or money transfer options, but availability depends on your individual account and credit profile.
These offers are not guaranteed and may include fees and higher interest rates.
Always check your account terms before using transfer features.
Marbles Over Credit Limit: What Happens?
Going Marbles over credit limit can result in additional charges and restrictions.
If you exceed your credit limit, an over-limit fee may be charged, further spending may be declined, and your credit score could be negatively affected.
Staying within your assigned limit and monitoring your balance regularly helps avoid unnecessary fees.
Managing Your Marbles Account
Marbles provides an online account and mobile app.
You can view statements and transactions, set up or change Direct Debits, and track your available credit.
Regular account monitoring helps you stay in control of spending and avoid missed payments.
Competitors
Here’s a comparison showing how the Marbles Credit Card stacks up against common UK credit-builder card competitors.
This helps you see differences in APR, credit limits, and suitability for building or rebuilding credit.
| Feature | Marbles Credit Card | Vanquis Bank Credit Builder | Aqua Classic Credit Card | HSBC Classic Credit Card | Capital One Classic Credit Card |
|---|---|---|---|---|---|
| Representative APR | ~34.9% variable | ~37.9% variable | ~39.9% variable | ~29.9% variable | ~34.9% variable |
| Annual Fee | £0 | £0 | £0 | £0 | £0 |
| Designed for Credit-Building | Yes | Yes | Yes | Yes | Yes |
| Typical Credit Limit Range | ~£250–£1,500 | ~£500–£1,200 | ~£250–£1,500 | ~£250–£1,000 | ~£200–£1,500 |
| Balance Transfer / Intro Offers | Possible short 0% period | Varies by offer | Varies by offer | May vary | Varies by offer |
| Best For | First card / rebuilding credit | Rebuilding credit with slightly higher limits | Rebuilding credit | Lower APR among bad-credit cards | Broad acceptability for poor credit |
| Typical Con | Higher APR than mainstream cards | Higher APR and fees | Higher APR and fewer perks | Lower credit limits | Similar APR to Marbles / limited benefits |
Customer Support and Contact Details
Marbles Credit Card (NewDay Ltd)
Phone: 0333 220 2692
Postal Address:
Marbles Customer Services
PO Box 136
Sheffield
S98 1HB
United Kingdom
Customer service hours may vary. Support is also available through the online account and app.
Conclusion
Applying for a Marbles Credit Card is an online process designed for UK residents looking to build or rebuild their credit profile.
The eligibility check helps reduce unnecessary credit searches, while flexible payment options allow better account management.
Understanding interest rates, fees, and credit limits is essential before applying. Used responsibly, the card can be a useful step.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Credit card terms, fees, and interest rates may change over time and vary by applicant. Always review the official card agreement and personalised offer before applying or using any credit product.
