Barclaycard Oyster

What is Barclaycard OnePulse?

Barclaycard OnePulse is a unique and innovative product that provides the convenience and speed from having three cards in one – Oyster card, Credit, Cashless. It is:

• A card with all the benefits of an Oyster card
• A credit card for all your normal purchases (using Chip & PIN)
• A credit card with OneTouch payment, a new cashless way to pay, allowing you to make purchases of £10 and under more quickly and conveniently by simply passing your card in front of a secure reader rather than typing in your PIN.

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What key benefits will the card offer me?

• Convenience of three cards in one
  • Oyster card – travel around London faster, smarter and easier with Oyster. And with Auto top-up you’ll never need to queue to top-up your Oyster pay as you go again
  • Credit – enjoy all the value, flexibility and security for your everyday and large purchases.
  • Cashless – OneTouch payment is a new cashless way to pay for purchases of £10 and under.
• A competitive 14.9% APR typical variable
• All the security you’d expect from Barclaycard
  • 100% Fraud Protection for Chip & PIN and OneTouch transactions.
  • We’ll automatically register your Oyster details with TfL. Therefore your Oyster balance is protected from when you call to report your card lost or stolen.

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Is there an annual fee for this product?

No. There is not an annual fee for having a Barclaycard OnePulse.

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I don’t live in London/use Oyster – is this card for me?

Even for occasional visitors to London for work or leisure, this card offers you a convenient way to travel around London using Oyster pay as you go or Auto top-up. You will always have Oyster in your wallet giving you access to the easiest way to travel by bus, Tube, trams, DLR and London Overground. There is no charge for this functionality.

For those customers who never visit London, Barclaycard OnePulse still offers a great range of benefits including a competitive 14.9% APR typical variable, a great range of retail discounts and the reassurance of comprehensive fraud protection.

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Can I just use this card for Oyster travel?

Yes. You can just use Barclaycard OnePulse for Oyster travel however we have brought together the combined benefits of Oyster, Barclaycard, and OneTouch payment for your convenience. For example, if you are a regular Oyster traveller why not link your Oyster spend to your Barclaycard using Auto top-up so that you never need queue for tickets again? To set this up visit tfl.gov.uk/oyster

In addition to Oyster this card gives you all the value, security and flexibility of a Barclaycard combined with the speed and convenience of OneTouch payment - a new cashless way to pay for low value purchases which is quicker and more secure than cash. You can also benefit from a competitive 14.9% APR typical variable.

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Can I have the card with OneTouch payment but without Oyster?

No. At this time, OneTouch payment isn’t available on any Barclaycard without Oyster.

If you do not wish to use Oyster, you can continue to use your card for Chip and PIN and OneTouch payments.

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Can I have the card with Oyster but without OneTouch payment?

No. At this time, Oyster payment isn’t available on any Barclaycard without OneTouch payment.

If you do not wish to use OneTouch payment, you can continue to use your card for Chip and PIN payments and Oyster.

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How can I get more information on Barclaycard OnePulse

If you cannot find the answer to your queries in these FAQs, please call Barclaycard Customer Services on 0870 154 0154 *

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What happens if my card stops working e.g. fails to work on London Transport or for a OneTouch/Chip and PIN transaction?

You should contact Barclaycard Customer Services as soon as possible on 0844 811 9111*, open 24 hours daily.  We will help you and arrange a replacement if this is required.

In the interim you can get a blue Oyster card for your Oyster travel at tfl.gov.uk/oyster.

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What should I do if my card is lost or stolen?

Should your card be lost or stolen you should call Barclaycard Lost and Stolen on 01604 230 230 as soon as possible. We will then cancel your card, advise TfL, and arrange for a replacement card to be sent to you.

In the interim you should get a blue Oyster card for your Oyster travel at tfl.gov.uk/oyster. Once you receive your replacement Barclaycard OnePulse you’ll need to contact the Oyster helpline on 0845 330 9876**.

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How do I transfer an Oyster balance to my replacement Barclaycard?

Once you have received your replacement Barclaycard OnePulse card, TfL will transfer or refund the Oyster balance you are entitled to.  Please call the Oyster helpline on 0845 330 9876**.

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What is Oyster?

With over 10 million cards already issued, Oyster is the cheapest way to pay for single journeys on the Tube, buses, DLR and trams in London. You can store your Travelcard, Bus Pass and/or cash to pay as you go on your card.

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What are the key benefits of Oyster?

Oyster lets you travel:

• Faster – Oyster saves you time - no more queuing for tickets as you can pay in advance
• Smarter – Oyster automatically calculates the cheapest fare for the journeys you make in a single day
• Easier – Just top up your Oyster with Auto top-up from your Barclaycard OnePulse, pay as you go, or renew your Travelcard or Bus Pass when needed. If you don’t travel much don’t worry; your Oyster pay as you go doesn’t expire
• Cheaper - Oyster single fares are always cheaper than single cash fares.

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Where and how do I use Oyster?

You can use Oyster on the Tubes, buses, DLR and trams in London

To use Oyster, simply touch in and out by placing your Barclaycard OnePulse on the yellow reader at the start and end of your journey if you are travelling on the Tube or DLR. You need to ensure you touch out at the end of your journey to be charged the correct fare.

For bus and tram journeys you only need to touch in at the start of your journey.

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What can be loaded on my Oyster?

Before you use your card for Oyster travel, you need to have loaded your Oyster. There are various options for doing this depending on what’s suitable for you.

1. If you are a frequent or occasional traveller you can pay as you go for your Oyster travel. You can set up Auto top-up so that the pay as you go balance is topped up automatically from your Barclaycard OnePulse with either £20 or £40 whenever the balance drops below £5. This means you’ll never need to queue to top-up your Oyster again and it’ll help you avoid running out of cash to pay as you go.
2. If you are a regular traveller you can store Travelcards or Bus Passes on your Barclaycard OnePulse.
3. Alternatively you may choose to top-up your card using cash, credit, or debit cards online at tfl.gov.uk/oyster, at over 2,200 Oyster Ticket Stops, at most Tube stations through the touchscreen ticket machines or the station ticket office, some National Rail ticket offices, London Travel Information Centres or by calling the Oyster helpline on 0845 330 9876**.

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Where do I load my card for Oyster travel?

You can renew the ticket stored on your Barclaycard OnePulse or top-up your pay as you go at the following places:

• Online at tfl.gov.uk/oyster (not bus passes)
• most Tube station
• at over 2,200 Oyster Ticket Stops
• at some National Rail offices
• at London Travel Information Centres
• and by phone on 0845 330 9876**, open 8am – 8pm daily (not bus passes).

If you renew your Travelcard or add money to your Oyster card online or over the phone, you need to collect your order at a Tube or DLR station by touching your Barclaycard OnePulse on the yellow reader. As long as you place your order before 2300 hours your order will be sent to your nominated station overnight. If you nominate a station that serves both the Tube and National Rail (e.g. London Bridge) you must pick it up from the Tube station ticket gates. Bus Passes and discounted season tickets cannot be renewed online or over the phone.

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What is Auto top-up and how does it work?

Auto top-up lets you top-up your  Oyster pay as you go balance automatically with either £20 or £40 whenever your pay as you go balance drops below £5.  This means you’ll never need to queue to top-up your Oyster again and it’ll help you avoid running out of cash to pay as you go. When you set up Auto top-up from your Barclaycard OnePulse, the top-up is charged against your Barclaycard OnePulse credit card and the amount debited will show up on your monthly statement.

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How do I arrange auto top-up?

You can set up Auto top-up when you call Barclaycard to activate your card on 0800 068 4499 or at tfl.gov.uk/oyster any time thereafter.

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How can I transfer my old Oyster card balance to my Barclaycard OnePulse?

You can transfer your old Oyster card balance by logging onto tfl.gov.uk/oyster and selecting or adding the card you wish to transfer and following the on-screen instructions. This will be available from October 2007 onwards. Alternatively you can call the Oyster helpline on 0845 330 9876**, open 8am – 8pm daily.

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How do I contact TfL?

You can do so by visiting tfl.gov.uk/oyster or by calling the Oyster helpline on 0845 330 9876**, open 8am – 8pm daily.

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Where do I locate my Oyster number?

Your Oyster number is the 12 digit number (in the format of 10 digits, space, then an additional 2 digits) located on the reverse bottom left of your Barclaycard OnePulse.

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What happens if a TfL Inspector wants to check my Barclaycard OnePulse for Oyster travel?

You have a legal obligation to offer up your Barclaycard OnePulse for inspection by TfL and National Rail Revenue Protection Inspectors if you are using it on London’s transport network, even though the card belongs to Barclays.

You should not surrender your Barclaycard as this is a credit card. When inspectors scan the card to check the Oyster products, they are not able to access the Visa payments applications at all – there is no chance of any personal data or payments information being read or corrupted by this process.

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Where can I get a copy of the Oyster Conditions of Carriage?

Online at tfl.gov.uk/oyster

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What do I need to do to get started?

• Once you have received your Barclaycard OnePulse you will need to call Barclaycard Customer Services on 0800 068 4499 to activate your credit card. At the same time we’ll be able to set up Auto top-up which will mean you’ll never need to queue to top-up your Oyster again and it’ll help you avoid running out of cash to pay as you go.
• If you do not wish to set up Auto top-up you need to load your Oyster with either a season ticket (e.g. Travelcard, bus pass) or cash to pay as you go before you travel. You can do this online at tfl.gov.uk/oyster, at over 2,200 Oyster Ticket Stops, at most Tube stations through the touchscreen ticket machines or the station ticket office, some National Rail ticket offices, London Travel Information Centres or by calling the Oyster helpline on 0845 330 9876**.

Your Barclaycard OnePulse is now ready to use – you do not need to preload it to make OneTouch payments. These will be charged to your monthly statement in the same way as Chip & PIN payments.

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Can I use my Barclaycard OnePulse abroad?

Yes. You can use your Barclaycard OnePulse at millions of retailers throughout the world wherever you see the Visa logo.

You can use your Barclaycard OnePulse for OneTouch payments in the majority of countries worldwide where retailers have adopted touch payment (contactless) technology.

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Can I add an authorised cardholder to my card?

No. For this card there is no facility for an additional cardholder on your account. The person is welcome to apply for a card in their own name.

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I already have a Barclaycard – can I apply for a Barclaycard OnePulse?

Yes. You are welcome to apply for the Barclaycard OnePulse card and the added benefits it provides.

Simply call Barclaycard Customer Services on 0870 154 0154*, 24 hours a day.

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Can I transfer an existing credit card balance onto my Barclaycard OnePulse?

Yes. Existing balances can be transferred to your Barclaycard OnePulse at 14.9 % APR typical variable (subject to terms and conditions). Simply call Barclaycard Customer Services on 0870 154 0154*.

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How can I pay my monthly statement?

Barclaycard offers a range of ways to pay to suit your needs:

• Online by Maestro or Delta card. Register for online account services once you receive your card
• By phone - tell your bank our sort code 20-04-15, our account number 38290008, and your card number
• By Direct Debit - just call 0870 154 0154* with your current account details
• By post, with a cheque or postal order. Please make cheques payable to Barclaycard and write your Barclaycard number and postcode on the back. Send your cheque and completed Bank Giro Credit Slip to Barclaycard, Dept PP, Bolton BL11 1XX. Allow at least 4 working days before your payment due date.
• By cheque or cash at your bank

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What if I have difficulties making payments?

We understand that people's circumstances change but we can only help when we know there is a problem. If you are struggling to meet your monthly repayments the worst thing you can do is ignore the problem. Always contact us as soon as possible and we can help work out a repayment plan.

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How do I avoid incurring charges?

Simply ensure you remain within your credit limit and your monthly payments are received on time and not returned. Otherwise you will incur a charge.

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How am I protected against fraud?

Barclaycard customers are 100% financially protected against credit card (Chip & PIN and OneTouch payments) fraud. As long as you have not been negligent (for example, disclosing your PIN) you are not liable for any fraud which may take place on your account. Your Oyster balance is protected from when you report the card lost or stolen to us.

From time to time, we may call you to ensure that the spending we are seeing on your account is genuine. These calls have nothing to do with your credit worthiness - we are simply trying to ensure that the person using your card is you.

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What is Chip & PIN?

Chip & PIN is part of an initiative across Europe to cut the rising tide of payment card fraud, which costs the UK more than £1 million a day. You will need to enter your PIN to confirm a purchase when asked by a merchant. You should never write down or tell anyone your PIN.

If you find the PIN we've given you difficult to remember, you can change it to one of your choice at most Barclays cash machines in the UK.

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What should I do if I’ve forgotten my PIN?

If you forget your PIN then please call Barclaycard Customer Services on 0870 154 0154* and we'll send you a written reminder.

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What is my Card Security Code?

Your Card Security Code is the final 3 digits printed over the top of the signature strip and is extra proof that you are the cardholder. You may be asked to quote it for phone, fax, mail order and internet purchases. The Card Security Code should not be disclosed to anyone other than when (a) you are satisfied that the merchant/issuer is genuine and (b) when you are positive that you wish to proceed with a transaction.

It is not a PIN and cannot be used at ATM machines nor is it your unique Oyster number which is located on the reverse bottom left of your card.

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What information will you share about my account with other organisations?

As with all Barclaycards we act responsibly with your personal information.  We will pass your name, address, date of birth (and email address and telephone number, if provided) to TfL to register your Oyster details. In certain circumstances we may give information about you and how you manage your account to the following:

• People who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential
• Anyone to whom we transfer or may transfer our rights and duties under this agreement
• We may also give out information about you if we have a duty to do so or if the law allows us to do so

For a full copy of our terms and conditions please contact Barclaycard Customer Services on 0870 154 0154*.

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What is a OneTouch payment?

OneTouch payment is a new cashless way to pay for low value purchases of £10 and under more quickly and conveniently. You simply hold your Barclaycard OnePulse up to a secure reader instead of inserting it into a terminal. The transaction is completed in less than a second. Occasionally you will be asked for your PIN or signature to verify your identity.

Many retail outlets and purchases that currently require cash, such as coffee shops, convenience stores, vending machines, fast-food restaurants and car parks, will switch to OneTouch as a preferred method of payment in the near future.

OneTouch transactions are subject to the standard rate 14.9% APR typical variable if you do not pay off your statement in full.

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How do I make a OneTouch payment?  How do I know when a payment has been made?

Transactions made using OneTouch payment form part of your existing account in the same way as Chip & PIN transactions and cash withdrawals. OneTouch transactions will be detailed on your monthly statement (identifiable by an asterisk) and will allow you to better manage your low value transactions.

You can make a OneTouch purchase by simply holding your card next to the reader when prompted by the retailer. Your transaction is confirmed by a single bleep, the illumination of four indicator lights and/ or a display message confirming that your transaction has been successful

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Is OneTouch different from Visa’s payWave and MasterCard’s PayPass

No. All three terms refer to contactless payment features and use the same EMV technology standards. Barclaycard refers to contactless payment as OneTouch payment.

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Do I need to top-up my card to make a OneTouch payment?

You do not need to top-up your card to make OneTouch payments. OneTouch payments are charged to your credit card in the same way as Chip & PIN payments and will be displayed on your monthly statement.

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Will I get a receipt?

You can request a receipt from the retailer for a OneTouch payment. However as a OneTouch payment is designed to let you make low value transactions quickly and conveniently, the retailer is unlikely to automatically issue a receipt.

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Do I need to enter a PIN for OneTouch payments?

To verify your identity and prevent fraudulent use of your card, you occasionally will be required to enter your PIN whilst making a OneTouch payment.

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Is there a limit on the value or number of OneTouch transactions I can make in a day?

There is no daily limit to the number of OneTouch transactions you can make as long as you don’t exceed your credit limit and each individual transaction is £10 or under.

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What happens if I try to pay for goods over £10?

For transactions over £10, the merchant will request that you carry out the payment using Chip & PIN (or signature.)

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Do I need to tell the retailer that I will be paying for my purchases by OneTouch payment?

When paying for items of £10 and under you will have the option to make a OneTouch payment (where available) or Chip & PIN.  You will not need to inform the retailer prior to payment that you wish to make a OneTouch transaction.

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How do I know a retailer will accept OneTouch payments?

Wherever you see the ‘wave’ symbol displayed by the retailer you can make a OneTouch payment

Your Barclaycard OnePulse can still be used like a regular credit card at millions of locations worldwide where Visa is accepted.

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Do I need to keep my Barclaycard OnePulse separate from my other cards?

If two touch payment cards (e.g. Barclaycard OnePulse and an Oyster card) are kept in the same wallet / purse, they may interfere with each other preventing you from making a OneTouch payment.  We therefore recommend that you only hold your Barclaycard OnePulse in your wallet.

If you already hold an Oyster card, you should store it separately from your main wallet.

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Can I use OneTouch payment abroad?

You can use your Barclaycard OnePulse for OneTouch payments in the majority of countries worldwide where retailers have adopted touch payment (contactless) technology.

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Are OneTouch payments secure?

Your OneTouch transactions are very secure.  Payments are processed through the same reliable and secure Visa payment technology as with Chip & PIN transactions

OneTouch payments (14.9% APR typical variable) are more secure than cash and are protected by a 100% fraud protection guarantee.

If your Barclaycard OnePulse is lost, stolen or misused by someone without your permission, you will not be liable for any loss on the credit card. If it is misused with your permission you will probably be liable for all losses. You will not be liable to us for losses which take place after you have told us about the theft. Your Oyster balance will also be protected once you have reported the loss to us.

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How am I protected against fraudulent use?

Cardholders will receive the same level of protection against fraudulent use of their Barclaycard OnePulse as they do with all Barclaycard credit cards.  If your Barclaycard OnePulse is lost, stolen or misused by someone without your permission, you will not be liable for any loss on the credit card.  If it is misused with your permission you will probably be liable for all losses.  You will not be liable to us for losses which take place after you have told us about the theft. Your Oyster balance will also be protected once you have reported the loss to us.

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Do I need to protect my card?

You should protect and look after your Barclaycard OnePulse in the same way as you would look after any other credit card.

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What data is stored on the card, should I be concerned about my privacy or identity?

Your card stores only the data required to carry out a transaction and is no different to a Chip & PIN card. Your card does not transmit your name during a OneTouch payment.

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How close does the card need to be to the reader?

In order to make a OneTouch payment, your card needs to be placed within a few centimetres of the reader.

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What measures are in place to stop fraudulent use of my Barclaycard OnePulse for OneTouch payments?

We take fraud very seriously at Barclaycard and have built a number of security controls and limits on the card to prevent misuse.  In addition, you will occasionally be requested to complete a Chip & PIN transaction.

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Will the retailer be able to take payment twice from my account?

No. The secure reader can carry out only a single transaction at a time

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Can a purchase be made without my knowledge (e.g. will the card reader activate if I walk past it?)

No. Your card has to be within four centimetres of the point of sale and the retailer must have first entered the amount for you to approve.

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What happens if I have a query on my statement?

If you have a query regarding your statement please call Barclaycard Customer Services on 0870 154 0154* in the normal way.

For information on your journeys and Oyster balance please visit tfl.gov.uk/oyster

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