Aqua | Classic credit card

644 reviews

29.7% Representative

Purchase rate: 29.71%

Representative example:

Representative Example: 29.71% standard purchase rate p.a (variable). 29.7% representative APR (variable). Based on credit limit of £1,200

Aqua | Classic credit card customer reviews.

644 reviews

4.4 out of 5 stars

Great product easy to apply for!
11:18 17-11-2016
ImageChoose Wisely

Very happy with my first credit card for six years! I wanted a product to help rebuild my credit status and this fits the bill perfectly! Aqua have increased my limit as promised which will also reflect in my credit score. Easy to manage accounts online through App, overall I'm delighted with product and service.


Easy to use card but account management less than perfect
15:09 30-06-2017
ImageSmart Money People

Although the card itself works great and the processes behind the scenes such as regular credit limit increases are smooth the online account management seems very slow to make changes.


Great credit card for travel and everyday use
16:08 01-06-2017
ImageSmart Money People

I really like that I can use my Aqua credit card abroad knowing that I won't incur any extra fees. The online app is great - I use it to keep track of my spending and I receive a text and email when my statement is ready.

Odette Carter

Excellent for improving your credit score
16:34 30-05-2017
ImageSmart Money People

I've had an excellent service from New day. All charges are clear and the app is really handy to keep a track of your spending and payment history

Jennifer Condra

Fraud £128 on my newday account. I have been called a liar!!!
09:59 06-01-2017
ImageSmart Money People

After checking my statement, I noticed 2 transactions. 1 of £28 and the other £100 made in Peacocks in Falmouth. I had not been to Falmouth and alarm bells started ringing. Also the fact that they were rounded up figures ( not the case if you are buying in a store). After over an hour on the phone, I was told to ring back the following day. I did this and again another hour . In the meantime I had emailed them (after being told there was no email address) to be told. Newday cards (Outfit) cannot be used in Peacocks!!! Funny that as I regularly use Peacocks to buy my grandchildrens clothes. After spending the last 4 days now, numerous emails and phone calls, I have just been told by newday that I am a "Liar" as it was a chip and pin transaction. I DON'T CARE, THESE ARE NOT MY TRANSACTIONS. Right time to take legal action I think!!! Hate bad unprofessional customer service!!


Our review of Aqua | Classic credit card

The Classic card is aimed at customers who may have had problems with their credit in the past, and now want to work towards improving it. Although they do cap the credit limit to £1,200 to begin with, aqua might increase this after four months, as long as you make your payments on time and keep under your initial credit limit. The Classic card’s representative APR is towards the higher end of the Choose Wisely table, however, as they accept customers that may have a blemish or two on their credit history, this is to be expected.

There is an interest free period of 48 days for purchases made with aqua’s Classic card as long as you pay the full balance on your current statement on time. However, there is no interest free period on cash advances or balance transfers. Watch out when making repayments, if you make a late payment or go over your limit you’ll have to pay a charge of £12. You should be kept up to speed with your payments though as you’ll receive a text from aqua a few days before your due date and you can check your balance using the online management portal.

Online they have been granted a '4 star’ rating from TrustPilot.

Overall verdict: aqua’s Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit file. However be sure to manage your repayments and clear your balance each month. If not, interest will be charged on any outstanding balance and you’ll be subject to fees for exceeding your credit limit or making late payments.

Written by: Alex


  • 48 day interest free period
  • Credit limit may be increased after 4 months
  • Text reminders so you don’t miss a payment
  • Accepted at over 35.9 million places across the world
  • 24 hour customer helpline
  • Free aqua credit checker

Minimum criteria

  • You must be aged over 18
  • You need to have a permanent UK address
  • No bankruptcy in the last 18 months
  • You need to have a UK bank or building society account
  • No CCJs in the last year
  • No aqua and/or marbles card in the last year


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Aqua | Classic credit card

aqua’s Classic card has an initial credit limit between £250 and £1,200 until customers have proved themselves to be able to pay on time and keep to their limit. The representative APR is 29.7% for an assumed spend of £1,200 to be repaid over one year. There is no annual fee for the Classic credit card, however you will be charged a fee of £12 if you have a late payment or go over your limit.

The Classic card from aqua is aimed towards customers who want to repair or improve their credit by keeping within the limit and making payments on time. This means that they do accept customers that have less than perfect credit as long as you haven’t declared bankruptcy in the last 18 months, or had a CCJ within the last year.

aqua allow Classic card customers to keep an eye on their balance using the online account management portal, which also allows you to change your payment date or repay some of your balance.

Company information

Registration number: 7297722


2 Pancras Square, London, N1C 4AG

FCA registration

Reference No: 690292

Trading names: Aqua Start, Aqua Advance, Aqua First, Aqua Gold, Aqua Reward, Aqua Classic

Place of business: 2 Pancras Square, London, N1C 4AG

Data protection registration

Registration No: Z272680X

Data controller: NewDay Ltd

Address: 2 Pancras Square, London, N1C 4AG

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