Quick Verdict
Metro Bank Credit Card is now a legacy servicing page rather than an open-acquisition product. Metro states new personal credit-card applications are no longer accepted, while existing customers with balances continue to be supported. The key implication is that this card is relevant mainly for existing holders managing repayments.
At a Glance
- New applications: withdrawn for Metro personal credit cards
- Existing customers: servicing continues for accounts with outstanding balances
- Representative APR: 18.9% variable (Metro disclosure)
- Representative annual fee position: no annual fee in Metro’s representative example
- Product status: closed to new customers
FX Fees and Exchange Rate Policy
The sourced Metro legacy credit-card page does not provide a clearly surfaced current foreign-transaction-fee schedule for new acquisition, because the product is withdrawn. Existing cardholders should confirm applicable FX and overseas usage treatment via current account terms and support channels.
Worked example for a 1000 USD equivalent spend:
- Final settlement and fee outcomes depend on the existing account’s active terms and card-fee schedule in force.
Travel Benefits and Protections
No active travel-benefit packaging is promoted for new applications on this withdrawn-product page. The page focuses on servicing and support information for existing cardholders.
Rewards and Ongoing Value
Because the product is withdrawn to new customers, ongoing value discussion is mainly relevant for existing holders managing residual balances and repayment structure.
Fees, Limits, and Fine Print
- Representative APR: 18.9% variable
- Representative example basis: GBP 1,200 assumed credit limit with no annual fee
- New applications: not accepted
- Existing customer use: purchase/cash facilities were removed for personal credit cards per Metro’s notice
- Terms caveat: existing-cardholder terms and support notices govern final account treatment
App Experience and Security
Metro directs existing cardholders to account-support channels, including FAQs and customer service contacts. Servicing updates (such as direct-debit reference changes) are posted on the product page.
Who This Card Is Best For
- Existing Metro personal credit-card holders with outstanding balances
- Users needing repayment and account-servicing support information
- Customers wanting official status updates directly from Metro
- Not suitable for new applicants seeking a new Metro personal credit card
FAQ
Can new customers apply for Metro personal credit cards?
No. Metro states personal credit cards have been withdrawn from its product range for new applications.
Are existing customers still supported?
Yes. Metro indicates support continues for existing personal credit-card holders with outstanding balances.
What representative APR is shown on the page?
Metro shows a representative 18.9% APR variable in the disclosure.
Is there an annual fee in the representative example?
Metro’s representative example references no annual fee.
Where can customers get help?
Metro links to credit-card Q&A guidance and customer support contact channels.
Sources and Methodology
- https://www.metrobankonline.co.uk/borrowing/products/credit-card/
- https://www.metrobankonline.co.uk/help-and-support/card-questions/withdrawing-personal-credit-cards/
This page was refreshed using only official issuer sources listed above. Product terms, rates, and eligibility can change, so confirm current details with Metro Bank before applying.