Selecting the right credit card is an important decision, especially for small business owners who depend on smooth and efficient financial tools. The NewDay Limited Bip Credit Card has gained attention in the UK market for its modern, app based approach, offering simplicity and convenience unlike traditional cards.
If you are seeking a hassle free credit card experience or simply exploring best options, this article will provide everything you need to know about the Bip Credit Card.
What is the Bip Credit Card?
The Bip Credit Card owned by NewDay Limited ( other newday credit card )offers a modern twist on traditional credit cards. The credit card is completely app-based and eliminates the need for a physical card, with all transactions and features accessible through the Bip Credit Card app.
This innovative approach makes it a sleek, eco-friendly option for today’s digital first users. Designed for simplicity, Bip delivers the essential benefits of traditional credit cards and more right at your fingertips.
Key Features of the Bip Credit Card
| Feature | Details |
|---|---|
| Card Issuer | NewDay Limited |
| Card Network | Mastercard |
| Card Type | Ideal for everyday purchases |
| Loyalty Scheme | Not included |
| Opening Incentives | – No annual charges – No fees for late payments or exceeding the limit – Free to use abroad – Digital card only |
| Cashback/Rewards | Not available |
| Account Fees | None (£0) |
| Purchase Interest Rate | 29.95% (variable) per annum |
| Interest-Free Period | Up to 48 days for purchases |
| Balance Transfers | – Interest: 29.95% (variable) p.a. – No transfer fees |
| Cash Advances | – Interest: 29.95% (variable) p.a. – Additional fees may apply |
| Credit Limit | – Minimum: £250 – Maximum: Based on creditworthiness |
Here are some of the top features of Bip Credit Cards:-
App Based Convenience
Manage your Bip Credit Card entirely through its app. Track spending, make payments and check statements all in one place. Say goodbye to paper clutter and manage your money easily, anytime, anywhere.
Stress Free Eligibility Check
Wondering if you’ll qualify? The Bip Credit Card app has a quick eligibility checker that won’t impact your credit score. It’s fast, simple, and free.
Flexible Card Limits
Enjoy dedicated card limits based on your creditworthiness, giving you the freedom to spend responsibly without overextending your budget.
Global Mastercard Perks
Shop anywhere Mastercard is accepted worldwide. With Bip, you are always ready to pay effortlessly, no matter where life takes you. Tandem Credit Card Review
Why Choose the Bip Credit Card?
| Fee Type | Details |
|---|---|
| Account Maintenance | Free (£0) |
| Late Payment Charges | None (£0) |
| Returned Payment Charges | None (£0) |
| Over-Limit Fee | None (£0) |
| Duplicate Statement Fee | Free (£0) |
| Replacement Card Fee | Free (£0) |
| Trace Fee | Free (£0) |
| Cash Withdrawal Fee | No fees (0%) |
| Minimum Charge for Cash Withdrawal | None (£0) |
| Foreign Transactions (EU) | No extra charges (0%) |
| Foreign Transactions (Worldwide) | No extra charges (0%) |
The Bip Credit Card stands out because it’s not just a credit card but it is designed with the user in mind. Perfect for on-the-go users or those looking to avoid the clutter of physical wallets, it provides modern conveniences and emphasizes security and accessibility.
Who is the Bip Credit Card for?
- Small business owners who want to simplify expense tracking.
- Budget-conscious users looking for a card with transparent features.
- People who prefer an eco-friendly, fully digital financial solution.
How to Apply for the Bip Credit Card
Here is the step by step guide to apply for Bip Credit Card:-
Install the Bip App
Go to the App Store or Google Play store and search for “Bip Credit Card” and install the app if you don’t already have it.
Complete the Application Form
Provide necessary details like income and expenditure to help Bip determine your eligibility.
Check Eligibility
Use the built-in eligibility checker to see if you qualify, all without impacting your credit score.
Submit Your Application
Once confirmed, submit your application through the app. Most decisions are instant.
Start Using Your Card
Upon approval, your Bip Credit Card will be ready to use within the app. No need to wait for a physical card in the mail.
Tips for Improving Approval Chances
- Check your credit score before applying.
- Ensure all details in your application are accurate.
- Keep your credit utilization ratio under 30%.
How do Bip Credit Card work?
Similar to other credit card companies, Bip Credit allows you to use and manage your credit account entirely from your phone.
After applying, you will receive a variable interest rate credit account that you can use online with your 16-digit Bip number, expiration date, and CVV, or in-store with Google Pay and Apple Pay. How to Use a Credit Card to Build Credit
Bip guarantees that there won’t be any hidden fees, like annual account or foreign exchange fees, and that you will be able to set spending limits and receive real-time balance updates through the Bip app.
Using the Bip Credit Card
One of the standout features of the Bip Credit Card is how convenient it is to use. Here’s what you need to know about managing transactions and payments:-
Payment Options
You can use the Bip Credit Card for online payments, store purchases, subscriptions and more anywhere Mastercard is accepted.
User Friendly App
All transactions including tracking your spending and making payments are managed through a clean user-friendly Bip app.
Budgeting Tools
Set spending limits and get real-time notifications to keep monitoring your finances.
Bip Credit Card Reviews
The Bip Credit Card has seen ample feedback from satisfied users online. Here’s a summary:
Pros
- No bulky wallets! A purely app-based experience.
- Transparent terms and conditions.
- Easy application process with flexible credit limits.
Cons
- No physical card may be a drawback for some users.
- Limited cash withdrawal options compared to traditional credit cards.
What Users Are Saying
“I love how easy it is to track my spending in real time. Plus, no waiting around for a card to arrive!” – Alice M.
“The eligibility checker saved me so much stress. It’s refreshing to have such a modern solution!” – James L.
Bip Credit Card Support and Contact
If you need help with your Bip Credit Card, here are the ways to get in touch:
- Chat in the App
- Open the Bip app.
- Go to Need Help > Complaints to chat directly with the support team.
- Call the Bip Team
- Dial 0330 838 0115 for general inquiries.
- For complaints, call 0330 175 6823.
- Write to Them
- Send a letter to:
Bip Customer Services
PO Box 171
Sheffield
S98 1JS
- Send a letter to:
Bip Credit Card in the UK Market
The Bip Credit Card stands out in the UK with its modern and user-friendly features. It’s designed for younger, tech savvy users, offering a transparent and app-based way to manage finances effortlessly.
Why Choose Bip Over Others?
Bip brings together Mastercard’s trusted global network and NewDay Limited’s focus on user-friendly features. It is perfect for anyone wanting a fully digital credit card without missing out on traditional benefits. Tesco Credit Card
Cinclusion
The Bip Credit Card is perfect for those who prioritise convenience, user experience, and technology-driven financial management. Entrepreneurs, busy professionals, and young adults will love the seamless app experience and Mastercard’s worldwide usability.
If you are looking for a digital first, eco-friendly credit card, the Bip Credit Card could be the perfect fit.
What is the Bip Credit Card?
The Bip Credit Card is a fully app-based digital card by NewDay Limited.
How do I apply for the Bip Credit Card?
You can apply for bip credit card using the bip app.
Are there any fees with the Bip Credit Card?
No, The Bip Credit Card has no annual fees.
Can I use the Bip Credit Card abroad?
Yes, you can use the Bip Credit Card globally wherever Mastercard is accepted.
How do I contact Bip Credit Card support?
You can chat with the support team in the Bip app or call 0330 838 0115.
Hello! I’m Ella Patel, a blogger based in India with a strong specialization in the finance sector. My journey into the world of finance and writing is a blend of academic achievements and professional experiences, which I am excited to share with you
