ipoints has never been more rewarding

Now with the ipoints credit card, you can earn ipoints whenever you use your card online or offline. You'll be able to redeem your ipoints even faster and treat yourself from a range of thousands of items from CDs, books, TVs and flights to 27 countries around the world.

And up until 31st December 2007 you can earn 2000 ipoints when you first take out and use the card and an amazing 0.5% back in ipoints on your monthly credit card spend.

Multiple opportunities to earn ipoints

• 2000 ipoints* when you apply for and first use the ipoints credit card
• Earn 0.5% back in ipoints** on all your credit card spend, offer applies until 31st December 2007
• Earn even more ipoints when using the card with ipoints partners
• Earn 1000 ipoints anniversary bonus when you spend £2500 in the first year

Benefits of the card

You'll also be able to take advantage of the great rates you can get with the ipoints card, powered by Bank of Scotland plc, one of the UK's top 6 Banks.

• Typical 17.9% APR variable
• 3.95% p.a. introductory rate (fixed for the first 5 months) on balance transfers
• No annual fee

Our internet shopping guarantee - Reassuring you

• Online fraud guarantee

Member services

• 24 hour, 7 days a week customer helpline
• Online account servicing - download and view your statement online
• MasterCard - ATM access worldwide, accepted at 19 million places worldwide
• Apply online or by telephone on 0800 389 1166

The design

* for all activated applications received by 31st December 2007
** for all retail spend per month, offer applies until 31st December 2007.