Offer terms and conditions

*0% interest on all Purchases of £200 or more for 6 months made at This offer excludes Cash Advances, ATM withdrawals, Balance Transfers and Insurance. At the end of the 6 months, if you haven’t repaid your purchases in full, we’ll apply your standard interest rate for purchases to any outstanding balance.

If you pay your account in full and on time every month, then you won’t pay any interest for up to 50 days on your purchases. The minimum monthly repayment is calculated as 1% of the balance owing plus outstanding fees and interest, or £5, whichever is greater.

**0% interest on balance transfers for 12 months, when made within 90 days of account opening. We’ll apply a fee of 3% (£3 minimum) per balance that you transfer, however we cannot transfer balances from other Creation accounts that you may have.

If at the end of the 0% period you haven’t paid off the amount of the Balance Transfer, interest will become payable on the remaining balance at your standard Balance Transfer rate. Minimum value for Balance Transfer is £50. All other transactions during the promotional period will attract interest at your standard rate. 0% offer may be lost if at least the minimum payments are not made on time or the credit limit is exceeded.

***Travel Money is operated by Travelex Currency Services Ltd. Delivery will only be to the customer account billing address registered with Creation Financial Services Limited. Exchange rates will be advised at the time of purchase. Maximum order value £2,000 or cash credit limit, if less.

Subject to status. Actual credit limit offered will be based on your individual circumstances. Applicants for credit must be 18 years or over, a UK resident, and have a personal minimum income (after any deductions for tax and National Insurance) of £800 per month (or £184.62 per week).  This may include: salary, pension, Disability Living Allowance, Carer’s Allowance, court agreed Child Maintenance or rental income. The Asda Cashback Credit Card is issued by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA.