The New Luma Card for People with Adverse Credit History
*On combined spend of up to £225 per month

The New Cashback Card for Poor Credit

  • 4% Cashback on fuel and supermarket shopping*

  • Good for credit building and no annual fee

  • Credit limits up to £1,500

35.9% APR Representative (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

60 Second Response

Quick and easy application gives you a response in 60 seconds


Shed Some Light on…

Peace of Mind
Luma’s security features include fraud alerts and free fraud protection to help protect you and your account.
Luma Eligibility
You are more likely to be accepted for a Luma Credit Card if you are over 18, on the electoral roll and if you have experience managing credit– even if you’ve had CCJs or defaults in the past. Meeting these criteria does not guarantee acceptance.
lumia credit card

Product Features

Cashback Benefits
  • 4% Cashback on your fuel and supermarket spend.
  • The Cashback will be credited to your account every January.
  • Earn Cashback on the first £225 worth of supermarket and fuel spending each month, up to a maximum of £9 Cashback each month.
Other Benefits
  • Quick and easy application – get a response in 60 seconds.
  • Credit limits up to £1,500.
  • Online and mobile account management.

For more information here are some FAQs

For the first £225 worth of Purchases at Supermarkets and Fuel Stations applied to your account in each statement period you will receive Cashback of 4%. “Supermarket” includes, but is not limited to Marks & Spencer, Asda, Iceland, The Co-operative, Morrisons, Sainsbury’s, Somerfield, Tesco, Ocado, Farmfoods, Lidl and Waitrose and their online grocery shopping websites. Purchases at concessions within Supermarkets, Metro and Local Supermarkets, Supermarket branded outlets in service stations and railway stations, and Supermarket branded stores and websites for whom grocery shopping is not the main activity (for example Tesco Direct) may not be eligible for Cashback. Fuel Station includes, but is not limited to those operated by Supermarkets, BP, Esso, Shell and Texaco. Cashback will appear on your January statement and will be credited to your account in January unless we notify you of another method. No Cashback will be paid to you if at that time you are in default under the terms of this agreement. However the amount of that year’s Cashback will accrue and may be payable in a following year. No Cashback will be payable if this agreement is terminated or your account is closed. No Cashback is payable in respect of cash withdrawals, balance transfers, or purchases which are refunded by the retailer.