<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WTMQ4QSL" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Understanding Zempler credit card fees & charges
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Zempler Credit Card fees & charges

On your Zempler Credit Card statement, transactions have different interest rates and charges. 

  1. Purchase rate (most online and retail purchases)
  2. Cash advance rate (cash withdrawals)

To view your Zempler Credit Card interest rates, fees and charges check your statement in Online Banking or the Zempler Bank app. 

If you’d prefer to speak to the team, you can give Customer Service a call.


  • The Zempler Credit Card offers an interest free period of 56 days on the purchases you make. This is the maximum number of days between you buying something with your credit card and you repaying that amount, before we charge interest on it.

    If you pay your credit card balance in full and on time each month, we’ll give you up to 56 days interest free credit on any purchases you make. This means you don’t have to pay interest on anything you buy until up to 25 days after the end of that month’s statement period.

    Up to 31 days in a month + 25 days extra = up to 56 days interest free.

    If you only make the minimum or a partial payment on your credit card, you’ll lose your interest free period and will have to pay interest on your unpaid purchases from the date of the purchase until you repay it in full.

  • To work out the amount of any fees or interest you’ll need to pay, we divide the year into 12 monthly statement periods. That’s because the number of days in a calendar month changes (e.g. January has 31 days, February has 28-29 days), so the number of days in a monthly statement period varies. 

    You’ll receive your credit card statement each month in Online Banking and the Zempler Bank app. This will include the amount you need to pay and when the repayment is due.

  • For a full breakdown of the fees and charges applicable to the Zempler Credit Card, please refer to your Credit Agreement. This document was emailed to you when you were first approved for a credit card.

    You can also call our Customer Service team for help. 

  • Yes, there’s an over limit fee of £12 if you go over your credit limit. Interest will be charged on this fee if you do not pay it off within 30 days.

  • Yes, there’s a late payment fee of £12 if you don’t make at least the minimum payment by its due date. Interest will be charged on this fee if you don’t pay it off within 30 days.

© 2024 Zempler Bank

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. 

For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

Zempler Bank provides credit facilities subject to approval and affordability, and where accounts continue to meet Zempler Bank credit criteria.