Fluid Credit Card – cut the cost of your monthly credit card

Transfer your credit card balance to a Fluid credit card and cut the cost of your monthly credit card bill with a balance transfer. If you are looking for a little more time to clear your balance, your first nine months are interest-free on any balances that are transferred to Fluid. So, more of your monthly repayments will go to clearing your balance and getting you back on track again.
Fluid credit card is issued by NewDay Ltd. and charges no annual fee for card usage.

Fluid Credit Card

Fluid Credit Card Benefits

  • Firstly, offers cardholders 0% interest on balance transfers for 9 months from the date of account opening (4% fee), thereafter, your standard rate will apply.
  • Secondly, Fluid credit card is built for people with lower credit scores
  • Next, Charges no annual fee for card usage.

Fluid Credit Card Fees/Rates

  • Annual Fee – None Charged
  • Representative APR – 29.9% (Variable)
  • Cash Advance Fee – 3%
  • Balance Transfer Fee – 5%
  • Money Transfer Fee – 3%
  • Late Payment Fee – £12
  • Returned Payment Fee – £12
  • Overlimit Fee – £12

How to Apply for Fluid Credit Card

To apply for, and get approved for a Fluid credit card, applicants must meet the following criteria;

  • Applicant must have a current UK bank or building society account
  • Must not already have a Fluid card and take out an Aqua, Marbles, or Opus card (issued by NewDay) in the past 12 months.
  • Applicants must be at least 18 years of age.

How to Apply

  • Firstly, Browse to the Fluid CC application webpage
  • Secondly, key in the following details; First name, Last name, Date of birth, Marital status
  • Thirdly, step two requires your contact details, which include; Email address, Mobile phone number, Home phone number, Work phone number.
  • Next, you are to key in the following details; Residential status, Postcode, Current address, and Years at current address.
  • In the Employment and Spending section, you are to key in the following; Employment status, Your income, tick the appropriate box, to answer the question “Do you expect your financial situation to change in the near future”, tick the appropriate boxes, if you are interested in Cash withdrawal or Balance transfer.
  • Thereafter, key in your bank details, like; Bank account number, Sort code.
  • Next, choose a credit limit option.
  • Choose a method with which you would love to stay informed about NewDay Ltd and its product offering, by ticking the appropriate box.
  • Lastly, go through the information section, to ascertain if a Fluid credit card, is right for you and once you are sure you want to get a Fluid credit card, tap on the “Apply Now” tab, to submit your application for approval.

How to Activate Fluid Credit Cards

To activate your newly acquired Fluid CC, call 0808 156 6590.

How to Login Fluid Credit Cards

To login Fluid credit cards;

  • Scroll to the Fluid credit cards login page
  • Key in the following; Username and Password
  • Tap on the “Log in” button.

How to Recover Username or Password


  • Scroll to the login page of the Fluid CC page
  • Key in your last name, Date of birth, and Postcode.
  • Next, you are required to key in your cardholder details, which includes; Card number and expiry date
  • Tap on “Next”, to proceed to the next step.


  • Scroll to the login page of the Fluid credit card
  • Key in your Last name, Date of birth, Postcode
  • Next, you are to key in your card details. This includes the following; Card number and expiry.
  • Tap on “Next”, to proceed further.

How to Make Card Bill Payment

By Phone

You can make Fluid CC bill payment by calling at 0333 414 1090.

By Post

Mail your payment by post, using the payment slip, that comes with your paper statement

By Direct Debit

You can set up a direct debit, to enable the credit card company, get direct payments from your bank account to avoid missing a payment.

Fluid Credit Card Customer Service Number

Call: 0333 414 1090, to gain access to a customer care agent.


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