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

Designed to give you control

Unfortunately you can't currently apply on our website

We will reopen applications as soon as we can.

You could be eligible if:

  • You’re a UK resident

  • You're aged 18 or over

  • You have a personal annual income of £15,000 or over

  • You haven't had any County Court Judgement (CCJs) or bankruptcies in the last 12 months

Once accepted, you’ll receive a Mastercard credit card (made from 80% recycled plastic) that’s accepted at 26 million locations around the world.

Flexible credit with big rewards

  • Use your card to make purchases and withdraw cash from ATMs.

  • Up to 56 days' interest-free credit on purchases, if you pay in full each month.

  • No annual or monthly fee.

  • Credit limit review within the first six months to see if we can offer you a higher credit limit.

  • Flexible repayment options.

  • Mastercard contactless credit card accepted in millions of locations worldwide.

More information on interest-free credit

Summary box

Credit card cost calculator

Get an idea of how much interest you might pay with a Zempler credit card.




Summary of charges

Borrowing £5000 for 56 days at 20% interest* will cost you


in interest

*% - daily interest rate

Representative APR 0.0% (variable)

Please note, this calculator is just a guide and is designed to show you the cost of short-term borrowing on a single purchase.

The calculation is based on the whole balance (amount due) across the average number of days selected. It assumes that you have a single transaction or balance from a specific point in time and no further transactions will be made until you make a payment.

It's not designed to show you the cost of borrowing on multiple purchases, borrowing over more than 56 days, or the impact repayments will have on paying off your balance.

All calculations are made in the assumption that you have made your payments on time. The calculator uses a single interest rate, but the interest rates for purchases or cash advances (such as ATM withdrawals, travellers' cheques, foreign currency, gambling stakes, casino chips or other cash alternatives) may vary, so you'll need to choose the relevant rate to see how much they could cost you.

If you pay the whole balance shown on your most recent credit card statement by the due date each month, you can benefit from interest free days.

    Please be aware that any of the following could impact how much you owe in the end:

    Frequently Asked Questions

    Please visit our Frequently Asked Questions webpage for more information on the Zempler personal credit card, our fees and charges, how to make payments, and for any other questions.

    Responsible Lending

    At Zempler we’re strong believers in responsible lending, and we design our products in accordance with this belief.

    To find out more about what this means to you, please visit our Responsible Lending web page.

    © 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.