Cards
One card. Every currency. No surprises.
Oceans Pacific cards use the interbank exchange rate wherever you are, with the fee printed on the statement instead of buried in the rate.
The range
Five cards, chosen by how you spend.
Everyday Debit
Free with any current account. Contactless, mobile wallets and fee-free spending in thirty currencies.
Classic Credit
A straightforward credit card with a low representative rate and up to 55 interest-free days.
Cash Rewards
1.5% back on everything, 3% on groceries and transport, paid as cash to your account each month.
World Signature
Metal card, airport lounges, travel insurance and a 24-hour concierge. $18 a month.
Business Card
Per-employee limits, receipt capture and a single monthly statement for the finance team.
Compare
Side by side.
| Card | Annual fee | Representative APR | Rewards | Foreign spend |
|---|---|---|---|---|
| Everyday Debit | None | — | — | Interbank rate, no fee |
| Classic Credit | None | 18.9% variable | — | Interbank + 0.35% |
| Cash Rewards | $36 | 22.4% variable | 1.5–3% cash back | Interbank + 0.35% |
| World Signature | $216 | 21.9% variable | 2 points per $1 | Interbank rate, no fee |
| Business Card | $60 per card | 17.4% variable | 1% cash back | Interbank rate, no fee |
Representative figures. Credit is subject to status and affordability assessment; borrowing costs money and missed payments affect your credit file.
Controls that belong to you
A card should be something you can switch off. Every Oceans Pacific card can be frozen, limited or replaced from the app in a couple of taps.
- Freeze and unfreeze instantly — no call, no queue
- Per-category and per-country spending limits
- Single-use virtual numbers for sites you do not trust
- Turn off ATM withdrawals, online payments or contactless separately
- Instant replacement issued virtually while the plastic is in the post
Applying
What happens after you press apply.
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Soft check
We run a quote search that shows your likely limit and rate without marking your credit file.
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Full application
Confirm income and outgoings. Most decisions come back in under two minutes.
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Virtual card
Added to your wallet immediately on approval, so you can spend before the card arrives.
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Card in hand
Recycled-plastic or metal card delivered in five to seven working days.
Find the card that fits.
Two minutes, a soft search and no impact on your credit file until you decide to proceed.