For some of our credit cards an annual fee is charged. The annual fee is a charge for having the card, regardless of if you use it.
For the Reward Credit Card a £24 annual fee is charged. For the Reward Black Credit Card the annual fee is £84. Neither of these fees apply if you have a Reward Current Account or a Reward Black Account.
If you aren't using the credit card but you like to have the security of having one 'just in case', then you might want to look at the other credit cards we offer. Many of them don't charge. You can find more information here. Please do bear in mind that they might not offer the same benefits.