Introducing the Pulse Credit Card – your ticket to financial flexibility and convenience! If you’re looking for a credit card that offers an array of benefits, seamless transactions, and exceptional customer service, look no further.
In this comprehensive review, we’ll delve into all the features that make the Pulse Credit Card stand out from the crowd. We’ve got you covered, from its enticing rewards program to its hassle-free application process. So sit back, relax, and let’s dive into what makes the Pulse Credit Card a top choice for savvy consumers like yourself!
Pulse Credit Card
The Pulse Credit Card is an exclusive cashback Mastercard® that has been introduced to replace your existing NewDay card. It’s important to note that the transition to the Pulse card is by invitation only, and NewDay has communicated essential information about this change through your online inbox.
To fully understand the adjustments to your account and take any necessary actions, please check your app or log in to your Online Account Manager.
If you currently manage your NewDay card through the Online Account Manager, you can continue doing so without disruptions. On the other hand, if you are an app user, you will need to download the Pulse card app once your account migration takes place. The specific date for this switch has been provided in the recent communication you received from NewDay.
For added convenience, you should be able to utilize your existing username to sign in to the new Pulse card app and Online Account Manager. However, please be aware that a small percentage of customers may need to re-register. If you fall into this category, rest assured that NewDay will reach out to you with detailed instructions on how to complete the re-registration process.
What Do Pulse Credit Cards Offer?
Pulse Credit Cards offer a fantastic way for cardholders to earn cashback on their everyday spending. With a Pulse card, you can earn cashback on your purchases, up to £150 within a 12-month.
One of the key features of Pulse Credit Cards is the cashback rewards program. Every time you make a purchase using your Pulse card, a portion of that expenditure will be returned to you as cashback. This means you can save money while making the purchases you normally make.
However, it’s important to note that not all transactions are eligible for cashback rewards. Pulse Credit Cards exclude certain types of transactions from earning cashback. These exclusions typically include:
- Money Transfers: Cashback is not available for money transfers, which often involve sending funds from your credit card to another account.
- Balance Transfers: Transferring a balance from a balance transfer credit card to your Pulse card does not qualify for cashback rewards.
- Buy Now Pay Later: Purchases made under a ‘Buy Now Pay Later’ scheme are also not eligible for cashback rewards.
- Travellers’ Cheques: Transactions related to travellers’ cheques, which are a form of prepaid travel money, are excluded from earning cashback.
- Travel Money and Foreign Currency: Purchases of travel money or foreign currency using your Pulse card do not qualify for cashback rewards.
Despite these exclusions, Pulse Credit Cards offer a great opportunity to earn cashback on a wide range of everyday purchases, making them a valuable financial tool for those looking to save on their expenses. If you’re considering a Pulse Credit Card, it’s important to review the terms and conditions to fully understand the cashback rewards program and other features offered by the card.
Benefits of Pulse Credit Card
Pulse Credit Card is a powerful financial tool designed to elevate your spending experience. This Mastercard offers a plethora of benefits that cater to your financial well-being and convenience. Here’s why the Pulse Credit Card stands out:
Cashback Rewards: With the Pulse Credit Card, you can earn cashback on your purchases, making every transaction even more rewarding. You can receive up to £150 per year in cashback thanks to a generous 0.25% cashback on every purchase made with your Pulse Mastercard.
Global Acceptance: Enjoy the flexibility of spending anywhere your heart desires. The Pulse Credit Card is widely accepted worldwide, bearing the trusted Mastercard logo. Whether you’re travelling abroad or making local purchases, you can rely on your Pulse card to make payments without any hassle.
Secure and Convenient Payments: The Pulse Credit Card ensures your transactions are convenient and secure. You can use Google Pay or Apple Pay for quick and safe payments, enhancing your peace of mind.
Online Account Management: Keeping track of your finances is a breeze with the Pulse Credit Card. You have 24/7 access to your account, whether through the user-friendly online portal or the new Pulse app. This empowers you to stay in control of your spending anytime, anywhere.
Contactless Convenience: The Pulse Credit Card features cutting-edge contactless technology, allowing you to tap and go for your purchases. Say goodbye to the hassle of inserting your card or entering a PIN, making transactions swift and straightforward.
No Annual Fees: Perhaps one of the most enticing aspects of the Pulse Credit Card is that it comes with no annual fees. This means you can enjoy all these benefits without any hidden costs, making it an attractive choice for budget-conscious individuals.
Pulse Credit Card Eligibility
To be eligible for a Pulse Credit Card, there are certain criteria that you need to meet. First and foremost, you must be at least 18 years old to apply for this card. Additionally, you should have a steady source of income and a good credit history.
When it comes to income requirements, the specific amount may vary depending on the issuer of the Pulse Credit Card. Some issuers may require a minimum annual income, while others may consider your monthly income.
Having a good credit history is also crucial in determining your eligibility for the Pulse Credit Card. When assessing your creditworthiness, lenders typically look at factors such as your payment history, outstanding debts, and length of credit history.
It’s worth noting that meeting these eligibility criteria doesn’t guarantee approval for the Pulse Credit Card. The final decision will ultimately depend on the issuer’s evaluation process and their assessment of your financial situation.
How to Apply for a Pulse Credit Card?
If you’ve received a letter from Pulse informing you about the transition from your existing NewDay card to the new cashback Mastercard, Pulse, and you’re wondering how to apply and activate your Pulse card, here’s what you need to do:
1. Review the Letter: Start by carefully reading the letter you received from Pulse. This letter contains vital information about the transition process and will outline what steps you need to take if you do not wish to receive the Pulse card.
2. Activation Details: The letter should also provide clear instructions on obtaining and activating your new Pulse card. Typically, activation is a straightforward process, and you’ll be guided on the necessary steps to follow.
3. No Additional Application or Fees: The good news is, if you’re an existing NewDay cardholder, you don’t need to submit a new application for the Pulse card, and there are no extra fees involved in this transition.
4. Timing: Once your Pulse card arrives, it’s essential to activate it within 90 days from the date it was sent to you. This timeframe is usually provided in the letter, so make sure you pay attention to it to avoid any issues.
5. Benefits of Pulse: Be sure to familiarize yourself with the benefits and features of the Pulse Cashback Mastercard. It’s designed to offer cashback rewards, so you might want to know how to make the most of this new card.
Remember that the Pulse card is typically offered by invitation only, so the letter you received should provide all the details you need to smoothly transition to your new card. If you have any questions or concerns during this process, you can always reach out to the provided contact information in the letter for assistance.
By following the instructions in the letter, you’ll be able to easily apply for and activate your Pulse card, ensuring that you continue to enjoy the benefits of your credit card.
Fees and Charges Associated With the Pulse Credit Card
When it comes to managing your business finances, having a credit card that offers convenience and rewards can make a significant difference. The Pulse credit card, accessible both online and through the Pulse app, stands out as an option for savvy shoppers.
Earning Cashback: One of the key benefits of the Pulse credit card is the opportunity to earn cashback with every purchase. Cardholders can enjoy 0.25% cashback on every transaction made, up to a maximum of £150 per year. This feature provides a tangible incentive for regular card users, allowing them to save while they spend.
No Annual Fees: Unlike some credit cards, the Pulse credit card doesn’t burden its users with annual fees. This means you can enjoy the perks of having a credit card without worrying about additional costs eating into your budget.
Interest Charges: It’s important to note that while there are no annual fees, the Pulse credit card does have an interest rate associated with outstanding balances. If you don’t pay off your balance in full each month, you will be charged interest.
The Annual Percentage Rate (APR) for the Pulse credit card stands at 19.9% (variable). This rate reflects the interest you would pay on your balance over the course of a year, calculated as a percentage of the total amount owed.
Representative Example: To put this into perspective, consider a scenario where you spend £1,200 on your Pulse credit card at a purchase rate of 19.9% (variable) per annum. In this case, your representative APR would also be 19.9% (variable). This representative example illustrates the typical costs associated with using the card, giving you a clear idea of what to expect based on your spending habits.
Cashback Payouts: Cashback earned through the Pulse credit card is paid monthly directly into your account. This regular payout system ensures you can enjoy your cashback rewards benefits without any delays.
Our Personal Score on Pulse Credit Card
After reviewing the features, benefits, eligibility criteria, and application process of the Pulse Credit Card, we can confidently say that it is a solid choice for individuals seeking a reliable and convenient credit card option. With its competitive interest rates, attractive rewards program, and flexible repayment options, the Pulse Credit Card offers great value to cardholders.
The wide range of benefits provided by the card makes it suitable for various financial needs. Whether you are looking to make everyday purchases or planning a big-ticket expense in the future, this credit card has got you covered. The ability to earn reward points on every transaction adds an extra layer of incentive for using this card.
Taking into consideration all these factors – competitive interest rates, attractive rewards program, ease of application process – we give our personal score of 4 out of 5 stars to the Pulse Credit Card.
It ticks off most boxes when it comes to affordability and convenience. However, we encourage potential applicants to thoroughly review all terms and conditions before making their final decision.
Remember that responsible use of any credit card is important in order to maintain good financial health. Always pay your bills on time and keep track of your expenses so you can fully enjoy the benefits offered by your chosen credit card, like the Pulse Credit Card!
In conclusion, the Pulse Credit Card offers a range of benefits and features that make it a great choice for anyone looking for a reliable credit card. With its low-interest rates, cashback rewards, and security features, this credit card is designed to meet the needs of modern consumers.
Whether you’re a frequent traveller or someone who wants to build your good credit score, the Pulse Credit Card has something to offer. So why not apply for one today and experience all the perks that come with being a Pulse cardholder?
FAQ – Pulse Credit Card
What is the limit of Pulse card?
The credit limit for your Pulse card remains consistent with your existing NewDay card unless a specific notification indicates otherwise. This means the limit you previously set under your NewDay card will seamlessly transition to your new Pulse card.
No changes will occur unless you have been duly informed otherwise. Rest assured, the transition is designed to be smooth and hassle-free, ensuring you can continue managing your finances with the same credit limit you are accustomed to.
Who is the provider of the Pulse credit card?
The provider of Pulse credit cards is none other than NewDay, one of the leading names in the realm of consumer finance in the UK. If the name NewDay rings a bell, it’s because it stands tall as one of the country’s largest providers of consumer services. With their expertise and reputation, Pulse credit card holders can trust that their financial needs are in capable hands.
Can I withdraw money from Pulse credit card?
Yes, you can withdraw money from your Pulse credit card. One of the convenient features of a credit card is the cash advance option, which allows you to access cash from ATMs or over-the-counter at banks.
To make a cash withdrawal with your Pulse credit card, simply find an ATM that accepts your card and follow the prompts on the screen. Remember that there may be limits on how much cash you can withdraw per day or transaction.
What banks are part of the PULSE Network?
As a prominent financial services network, PULSE plays a pivotal role in powering the ATM network for various financial institutions. It extends its services to an array of credit and debit card issuers, including Discover, Diners Club International, Discover Debit, and several other international issuers.