Welcome! Log in or Register
1 Review
  • Write a review >
    How do you rate the product overall? Rate it out of five by clicking on one of the hearts.
    What are the advantages and disadvantages? Use up to 10 bullet points.
    Write your reviews in your own words. 250 to 500 words
    Number of words:
    Write a concise and readable conclusion. The conclusion is also the title of the review.
    Number of words:
    Write your email adress here Write your email adress

    Your dooyooMiles Miles

    1 Review
    Sort by:
    • More +
      22.10.2008 14:45
      Very helpful



      Worth a look if yu drive a lot

      The Shell MasterCard is a credit card issued by Citigroup. It works in a similar way to most other credit cards issued in the UK, but it does have a perk which I quite like [see later].

      As far as I can see, there might be three reasons for choosing one credit card over another:

      * A low interest rate if you don't pay off your balance
      * A loyalty scheme of one type or another
      * The positive image of certain cards [Amex Platinum etc]

      If you don't plan to pay off your balance, you need a low APR [preferably 0%] card - this is not one of those, and you should check out Moneysupermarket or similar for the current best buys.

      If you are able to pay off your credit card on a monthly basis, then you may as well choose a card that gives the most back to you. Some give AirMiles, some give hotel breaks: I prefer to get cash!!

      This card gives cashback on two levels. Most purchases will earn cashback at rate of 1%, which is one of the most generous around at the moment. However, if you but fuel in a Shell garage, the cashback increases to 3p per litre [my card actually gives 3%, but from what the website says, it must have changed recently].

      Obviously, it wouldn't make sense to buy petrol from a Shell garage if your local supermarket was 4p a litre cheaper, but if the prices are the same, you may as well.

      We run two cars and spend about £2,500 per year on fuel: this would give a saving of £75 pa.

      On my card, the cashbash is credited to the account each month. The website now says that the cashback is now credited against the next fuel purchase [though it is live for six months, giving plenty of opportunity to fill up].

      Current APR is 16%, so not a good deal for those who carry a balance forward. You can set up a direct debit to ensure you pay in full without forgetting.

      ##Update Nov 09##

      The cashback rates have been dropped: It's now 1% on petrol, and 0.5% elsewhere. This makes it no better than other cashback cards [esp Amax Platinum], so prob no worth applying for one if you haven't already got one. Cheers
      Also on Ciao


      Login or register to add comments

    Products you might be interested in