Rates Rate / Fee Interest rates (for purchases) 17.39% Variable Interest rates (for cash) 17.39% Variable Annual fee €120 per card Cross Border Handling Fee – Transactions in euro within the EU and certain non – EU countries to which the relevant EU regulations apply – All other transactions -No charge -2.25% of value of transactions Copy of Statement on request No charge Cash Advance Fee 1.5% of value of transaction (min €2.54) Returned Payment Charge €3.17 per unpaid item Government Stamp Duty – charged annually on 1st April €30 per card