The New Luma Card for People with Adverse Credit History

The Credit Card That’s a Bit More Friendly

  • Manageable credit limits – up to £1,500

  • Good for credit building and no annual fee

  • Quick & easy application – get a response in 60 seconds

35.9% APRRepresentative (variable)

Manage Your Lumar Account

Mobile Ease

Manage your account online or on
your smartphone anytime anywhere
Lunar Account Security

Peace of Mind

Free fraud protection gives you confidence
35.9% APR Representative (variable)

Be one of the first to view our new TV ad for the Luma Card – the card that’s already accepted thousands of people around the UK.

lumia credit card

Shed Some Light on…

Luma Card Benefits

With benefits including contactless technology and online and mobile account management, find out more about what the Luma card can do for you.

Peace of Mind

See how Luma’s security features, like fraud alerts and free fraud protection, help protect you and your account.

Credit Card Know-How

Because you’re building credit, it’s important to understand things like your credit rating and how to use your card responsibly.

Learn more with Luma »


What Our Customers Say

I applied for one of these in early august and got on line approval. Pin arrived about 4/5 days later and card about 10 days after initial application. Was amazed at credit limit of £1,500 James Sempers, Exeter
Overall love my luma card! Best credit card I think for people with poor credit Barbra Leach, Grimsby