
If you’re seeking a credit card designed with simplicity and practicality in mind, the 118 118 Money Credit Card might just be your perfect match. Tailored for individuals who value transparency and control, this card offers features that stand out from the crowd. Its focus on straightforward terms and ease of use makes it a compelling choice.
This isn’t just a credit card; it’s a tool that empowers your financial journey. Whether you’re managing day-to-day expenses or planning for life’s unexpected moments, the 118 118 Money Credit Card offers the support you need to stay on track and in control.
Experience Financial Freedom with Confidence
- Fixed Interest Rate: Enjoy the stability of knowing your interest rate remains unchanged, giving you peace of mind when budgeting.
- Credit-Building Opportunities: Designed for those looking to improve their credit score, this card helps build a positive credit history with responsible use.
- Transparent Costs: No unexpected charges or confusing terms – everything is laid out clearly so you can make informed decisions.
- Accessible Credit Limits: Offering manageable credit limits, this card ensures you can borrow responsibly without overextending.
- Supportive Tools: Access to budgeting tools and account management features helps keep your finances on track.
- No Surprises: What you see is what you get – the card’s terms are straightforward, giving you confidence in your financial planning.
- Reliable Service: Backed by 118 118’s excellent customer support, you’re never far from assistance when you need it.
- Flexible Payments: Options to pay your balance in full or in manageable instalments tailored to your budget.
- UK-Focused Benefits: Specifically tailored to meet the needs of UK customers, offering localised services and support.
Qualification Requirements

- Age Requirement: Applicants must be at least 18 years old to qualify for the 118 118 Money Credit Card.
- Residency: You must be a UK resident with a permanent address to apply for the card.
- Credit History: While a perfect credit score isn’t required, applicants should have a credit history that reflects responsible financial behaviour.
- Income Stability: A steady source of income is necessary to demonstrate your ability to manage repayments.
- No Recent Bankruptcies: Applicants should not have recent bankruptcy filings or active insolvency arrangements.
- Valid Identification: Providing valid UK identification, such as a driving licence or passport, is required for the application process.
How to Apply for The 118 118 Money Credit Card
- Online Application: Begin the process by visiting the 118 118 Money website. Complete the user-friendly online form with your details.
- Eligibility Check: Use the free eligibility checker tool on the website to determine if you qualify without impacting your credit score.
- Provide Documentation: Submit necessary documents, such as proof of income and identification, to support your application.
- Credit Assessment: Once your application is submitted, it will undergo a quick credit assessment to ensure eligibility.
- Approval Notification: If approved, you’ll receive a notification and details about your credit limit and terms.
- Activate Your Card: Upon receiving your card, follow the instructions provided to activate it and start using it immediately.
Frequently Asked Questions
What is the interest rate for the Card?
The card offers a fixed interest rate, ensuring no surprises in your repayments.
Can I use the card abroad?
Yes, the 118 118 Money Credit Card can be used internationally wherever credit cards are accepted.
Is there a minimum income requirement to apply?
While there isn’t a specified minimum income, applicants must demonstrate a stable income to support repayments.
How do I manage my account?
Account management is easy through the 118 118 Money online portal, allowing you to monitor spending, make payments, and track balances.