MBNA: Normal vs. Platinum Card

MBNA: Normal vs. Platinum Card

Author
Discussion

sunnydude

Original Poster:

907 posts

126 months

Thursday 8th October 2015
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Hi Guys

I recently got an iPhone 6S and it has 'Apple pay' on it. Unfortunately, my bank (Barclays) doesn't support it yet, so I need to get a credit card for it to work - Specifically MBNA or Amex going by the list on Apple's website (the rest are just banks). I plan to pay the balance in full each month.

I went onto MBNA's website, and saw the wide range of cards - but I literally just want something simple rather than a charity or football card, so I've narrowed it down to their blue "low-rate" card and their platinum card. All the features seem to be the same (fraud prevention, Apple Pay compatible, etc) other than the rate of interest charged (which isn't really of any concern to me as it will be paid in full each month anyway). So I was really just wondering, whats the difference?

Does credit card colour snobbery still exist? (the whole thing about a gold card, platinum card, etc)

Sunny

Tom_C76

1,923 posts

187 months

Thursday 8th October 2015
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Typically a Platinum card will have a much higher credit limit and require a better credit rating.

kazste

5,663 posts

197 months

Thursday 8th October 2015
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Seriously, your bothered about which credit card you have based on which will look best at a till?

Would it not be a better show of charachter if you got the cheapest or if you are going to pay it off then the one with the best rewards?

5potTurbo

12,482 posts

167 months

Thursday 8th October 2015
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Why's this in The Lounge anyway?

MrBarry123

6,025 posts

120 months

Thursday 8th October 2015
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You're obtaining a new line of credit purely to use Apple Pay? Bizarre.

Regarding card snobbery... Unless you have a Centurion or a card provided by a private bank*, everything from anything high-street based is relatively run-of-the-mill nowadays.

*In which case a lot of people won't know what it is anyway!

sunnydude

Original Poster:

907 posts

126 months

Thursday 8th October 2015
quotequote all
Tom_C76 said:
Typically a Platinum card will have a much higher credit limit and require a better credit rating.
Thank you, I've gone for the basic one now -

Thanks for your help guys

mcflurry

9,079 posts

252 months

Friday 9th October 2015
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kazste said:
Seriously, your bothered about which credit card you have based on which will look best at a till?
and then use it with Apple pay, so the "lucky" cashier never gets to see the colour of it lol wink