Range of balance transfer and purchase options. Typical rate 15.9% APR - variable Up to 3% Cashback on purchases. (with Platinum Card) Manage your account online.

Platinum Card:

• - Up to 3% Cashback Bonus - Morgan Stanley will triple the cashback for the first three months
• - 3.9% on balance transfers until 1 July 2010 (1% fee per balance transfer)

Buy and fly!™ MasterCard®

• - 200 bonus B&F points with first spend
• - Double B&F points for the first six months
• - 0% for 9 months on balance transfers (2% fee applies)
• - Typical 16.9% APR (variable)
• - Earn 1 buy and fly! point for every £10 you spend†, redeemable against flights and holiday

Morgan Stanley Credit Card Benefits:

• - Take advantage of special cardholder-only deals available throughout the year.
• - 24/7 online Account Centre so you can view your statements, manage your payments, and transfer balances no matter where you are
• - Stay in control with optional e-mail reminders so you’ll know when payments are due or you’re nearing your credit limit
• - Online fraud guarantee to protect you from unauthorised use of your card**
• - Dedicated 24/7 UK Customer Service, 365 days a year
• - Choice of prestigious black or classic platinum card design
• - No annual fee
• - Interest free period of up to 55 days on all purchases
• - Worldwide MasterCard acceptance at 23 million locations around the world
• - Additional cards so you can share the benefits with your partner or family members
• - Travel Accident Insurance and Worldwide Travel Assistance. Find out more
• - Typical 16.9% APR (variable)

General Information

Interest payable upon purchases shown on most recent statement if total amount shown on most recent statement not paid off within 25 days of most recent statement date. Cash Advance fee: greater of 2% of value of Cash Advance or £2.00 variable. Foreign exchange fee: 2.75% of the value of the transaction concerned, variable. Minimum monthly payment: 2% of outstanding balance or £5, whichever is greater, plus any amount by which outstanding balance exceeds the credit limit at date of relevant statement. If the outstanding balance is less than £5, the minimum payment will be outstanding balance. Written quotations available upon request. Credit available subject to status. Applicants must be UK residents and aged 18 or over. Telephone calls may be monitored and recorded.