Overall, this is a strong credit card with generous credit limits, which makes it very useful for managing larger purchases and maintaining flexibility. However, the APR is on the higher side compared... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have found Aqua very helpful in guiding me towards better credit management. The rating calculator helps me clarify how small changes can make great changes for my personal credit rating. What I d... See more
Company replied
Excellent card and services very handy and app easy too use. Interest rates high however you can pay amounts you wish. Before date due .Excellent highly recommended.
Company replied
I love my Aqua Credit Card. It's pain free to apply and the customer service is faultless. I particularly like the fact that they don't just keep upping your credit limit, which can be tempting for so... See more
Company replied
Company details
Written by the company
At NewDay, our business is focused on a single, clear and defining purpose: to help people move forward with credit. We provide nearly 4 million customers with responsible access to credit, underpinned by best-in-class customer service and exceptional user experience.
Contact info
7 Handyside, N1C 4DA, London, United Kingdom
- 020 7160 8800
- newday.co.uk
4.2
Great
11K reviews
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They extend it when it is needed
They extend it when it is needed . And a couple of years ago when I was in financial trouble they helped me and where patient.
April 16, 2026
Reply from NewDay
Hi Lorraine, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 best, Elan
Completely happy
Completely happy, promises have been met for example being rewarded with offers and interest reduction for running my account well.
April 16, 2026
Reply from NewDay
Hi Louise, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 best, Elan
Great service
April 16, 2026
Reply from NewDay
Hi there, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 best, Elan
I have been using aqua card for a…
I have been using aqua card for a number of years now The mobile app is very good All the card activity is very clear
Regularly sending notifications
They even increased my balance
April 16, 2026
Reply from NewDay
Hi Antonios, We're happy to read that you are enjoying our app and the features! Thank you for taking the time to leave us a positive review 😊 best, Elan
I’ve only had one issue using the card
I’ve only had one issue using the card. It was resolved quickly and efficiently.
April 16, 2026
Reply from NewDay
Hi SB, We do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊 best, Elan
47%Apr is all I need to say
April 16, 2026
Reply from NewDay
Hi Steve, I would like to thank you for your feedback, as we are always working to improve our services. best, Elan
a very good card
April 16, 2026
Reply from NewDay
Hi Paul, thank you for your 5-star review! best, Elan
It is a very reliable card never had… ans helpful
It is a very reliable card never had any issues with it
Customer service were very pl
April 16, 2026
Reply from NewDay
Hi Mary, thank you for taking the time to leave us a kind review, we appreciate it! 😊 Thanks, Michelle.
Aqua is a great card provider
Aqua is a great card provider and helpful for customers their card I have is brilliant abroad as its conversion rate is always good and they don’t charge me for purchases
April 16, 2026
Reply from NewDay
Hi Chris, thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 Thanks, Michelle.
Superb app
What you see is what you get.
The app is super easy to navigate, would be without my account.
April 16, 2026
Reply from NewDay
Hi Naomi, we're happy to read that you are enjoying our app! Thank you for taking the time to leave us a positive review 😊 Thanks, Michelle.
Reply from NewDay
Hi Sean, I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above. The interest rate on your card is given after full credit checks are performed, and it set to what we feel is appropriate at the time.
We do check accounts on a regular basis and if we feel a lower interest rate would be acceptable, we will let you know right away at the time. Unfortunately, we’re unable to decrease this by request and I apologise for any inconvenience. If you have any questions or concerns, please don’t hesitate to get in touch with our Customer Service team. Thanks, Michelle.
Upgraded to Gold Card (offering…
Upgraded to Gold Card (offering cashback), great App too & excellent for building your credit journey. Would recommend highly.
April 16, 2026
Reply from NewDay
Hi, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 Thanks, Michelle.
Card design needs updating
I get some good balance transfer offers and my account is easy to service. I think it's about time the card design was updated and also the removal of embossed digits. Marbles is the only card I have like this now. I can't understand why my card has such a short expiry date. The APR is on the high side considering my credit score is excellent, but then I primarily use the card for balance transfers.
April 16, 2026
Reply from NewDay
Hi Pete, thank you for taking the time to leave us a review. I would like to thank you for your feedback as we are always working to improve and develop our services, and customer experience is at the heart of this. Thanks, Michelle.
Easy to use.
April 16, 2026
Reply from NewDay
Hi, Thank you for taking the time to leave us a review. We're excited to have you on board 😊 Thanks, Michelle.
Reply from NewDay
Hi Ricky, thank you for choosing us as your card provider. We're pleased to have you as our customer 😊 Thanks, Michelle.
Discrimination
I raised a complaint about being discriminated against by one of NewDay's staff members on their Aqua credit card mobile app live chat facility.
The staff member alluded to a note on my account stating I was unable and in capable of managing my finances due to my severe visual impairments, which I naturally took great exception to as I have never ever said, inferred, or implied that to be the case whatsoever.
My complaint based on this act of discrimination was not upheld.
Due to my complaint not being upheld, it appears NewDay actively encourages discrimination and stigmatism against visually impaired people such as myself.
I am apoplectic with anger and disappointment.
How bloody dare they discriminate against folk with sensory issues and assume because of this, it is automatically thought you cannot manage your finances!
April 17, 2026
Unprompted review
Reply from NewDay
Hello Stephen,
I’m very sorry to read that you’ve not had the experience you expected with us, I appreciate the time you’ve taken to write the above. With regards to what you have mentioned, I would like to pass your concerns on to our Specialist Team to review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can investigate these concerns in more depth. As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate.
Take care,
Claire
Not serious about dealing with credit card fraud
When i suffered card fraud from my john lewis/waitrose card, i spotted the fraudulent debits within an hour on the app, but Newday had no fraud line open on a weekend.
Then after i reported the case the next day, & wanted to speak to the Fraud department to explain how how realised the fraud had been carried out, they refused to speak to me directly.
Then their system was unable to identify the time of the times of the fraudulent debits.
So Fast reporting exact details to the police about the method used by the dishonest bar staff in the gastropub were hampered.
Then they were their own “judge & jury” about my complaint & after a prolonged period fobbed me off with a letter excusing themselves.
Abysmal customer service in my opinion, & not serious about tackling credit card fraud!
January 11, 2026
Unprompted review
Reply from NewDay
Hi John,
This is not the level of service which we aim to provide at all, and please be assured that this feedback will be passed on to the relevant team for further review. Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however like to look into this further for you. Please can you reach out to our Customer Service team on 0333 220 2532 at your next convenience.
Kind Regards,
Josh
Payment can be take 10 days before the direct debit date.
Direct debit payment day might be 14th of the month but in the small print it says they can take the payment up to 10 days beforehand!
April 15, 2026
Unprompted review
Reply from NewDay
Hi,
I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above. Please be assured that this feedback will be passed on to the relevant team.
Best,
Stephanie.
So easy to use and the application was…
So easy to use and the application was easy to navigate. Always kept updated. Payments are easy made and personally I have no complaints
April 9, 2026
Reply from NewDay
Hi Mrs Mcneilly,
Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊
Best,
Stephanie.
Reply from NewDay
Hello Joy. Thank you for taking the time to leave us a review. We're excited to have you on board 😊Best, Audrey
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