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Credit Cards
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Our cards
Choose your card
Lumina Everyday
Representative APR
21.9% APR
Credit limit
Up to £5,000
Rewards
0.5% cashback
Annual fee
No annual fee
Lumina Rewards
Representative APR
24.9% APR
Credit limit
Up to £15,000
Rewards
1.5% cashback + travel perks
Annual fee
£9.99/month
Lumina Prestige
Representative APR
19.9% APR
Credit limit
Up to £50,000
Rewards
2% cashback + airport lounge access
Annual fee
£24.99/month
Representative APR is variable. Your actual rate will depend on your individual circumstances. Credit subject to status.
All cards include
Standard features
No foreign transaction fees worldwide
Instant freeze and unfreeze in the app
Real-time spending notifications
0% interest on purchases for up to 56 days
Apple Pay and Google Pay
24/7 fraud monitoring and zero liability protection
Simple process
Apply in 3 steps
Apply online
Fill in your details. It takes less than 3 minutes and only requires a soft credit check initially.
Get an instant decision
We check your eligibility instantly. Most applicants receive a decision in under 60 seconds.
Start spending
Your digital card is ready immediately. Your physical card arrives in 3 to 5 working days.
Start earning cashback today
Soft check first. No impact to your credit score until you accept your offer.
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