Credit Needed
Bad Credit
  • Credit limit of up to £1,500
  • Get a response in 60 seconds
  • Luma could still accept you even if you have had CCjs in the past
  • Contactless payment enabled
  • You must be a UK resident, aged 18 years or over
  • Representative APR (variable)
    Balance Transfer APR
    Balance Transfer Fee
    Annual Fee
    Credit Needed
    Bad Credit

Representative Example: 35.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 35.9% p.a. (variable)

Luma credit card summary

Luma credit card:  A credit card with 35.9% Representative APR (variable).

Key features of this card

  • 35.9% Representative APR (variable)
  • Great for credit building - even if you are new to credit or have other issues with your credit rating
  • Luma could still accept you even if you’ve had CCjs in the past
  • Fraud Protection
  • Easy to manage credit limit - up to £1,500
  • Online account management
  • No annual fee

Acceptance criteria in addition to credit check

  • Minimum Age: 18 Years
  • Must be on the electoral roll
  • Must not have been declared bankrupt in the last 12 months
  • Must not already have a Luma credit card