Get the first Shariah-certified
credit card in the UK
Maintain your Islamic faith and reach your financial goals the halal way with our secured Score Mastercard®.
29.99% APR
0% Purchase Interest
Representative (variable) APR is based on both purchase interest and fees due to applicable UK regulations.
Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
| Consumer APR Rates as shown, depending on individual circumstances |
Representative 29.99% Variable APR |
| Corporate APR | Representative 67% Variable APR |
Interest Rates (variable)
| One Time Charge: Credit Access Fee | We may make promotional offers from time to time | 10% of Original Credit Limit or Net Credit Limit Increase for Personal Cards and 17% of Original Credit Limit or Net Credit Limit Increase for Corporate Cards | Charged Upon Approval or Credit Limit Increase |
| Promotional Rates* | Monthly Rate | Annual Rate | |
|---|---|---|---|
| Purchases | We may make promotional offers from time to time |
0% | 0% |
| Cash transactions (if available) | We may make promotional offers from time to time | N/A | N/A |
| Balance transfers (if available) | We may make promotional offers from time to time | N/A | N/A |
| Money transfers (if available) | We may make promotional offers from time to time | N/A | N/A |
| Instalment Plans (if available) | Charged at a rate equal to your standard purchase rate or as we let you know at the time |
N/A | N/A |
Interest Free Period
We do not charge interest.
Allocation of Payments
If you do not pay off your balance in full, we will allocate payments to balances with the oldest billing date before balances with a newer billing date.
Minimum Repayment
Your minimum payment is the the full balance of your card balance plus 1% of the balance spent. If you do not make this required minimum payment, we will provide up to 180 days of credit, and charge you a fee according to the above late payment scale. In the event you do not repay your card balance over that 180 day period, we will cancel your card and allocate your security deposit against the remaining card balance on the 181st day. Any remaining credit will be refunded to you in the manner of your choice after all card charges have been cleared.
Credit Limit
| Minimum Credit Limit | £250 |
| Maximum Credit Limit | Subject to status |
Subscription Fees
There is a monthly subscription fee per calendar month.
Consumer cards - £19.99
Corporate cards - £50.00
Charges
| Balance transfers (if available) | N/A |
| Money transfers (if available) | N/A |
| Cash transactions | N/A |
For further details, please refer to the credit agreement
Foreign Usage (if available)
| Payment scheme exchange rate | Rates available at https://www.mastercard.com/global/currencyconversion |
| Foreign exchange conversion charge | 2.99% of the amount of the transaction |
Default Fees
| Late payment fee | as above |
| Returned payment fee | £12.00 |
| Overlimit fee | £12.00 |
| Trace fee (charged if you change your details and you do not tell us where you may be contacted) |
£20.00 |
*To benefit from any promotional offers you must not break the agreement, e.g. by not making at least your contractual minimum payment in full and on time or exceeding your credit limit. If you do break the agreement, we may charge the standard rate, as applicable, instead of the promotional rate.
Credit available to UK residents aged 18 and over. Subject to status. Terms apply. The APR applicable to your account will depend on our assessment of your application.
Credit is provided by D&D Leasing UK Ltd. T/A DND Finance and it is a company registered in England and Wales with registered number 06638748. The registered office for this company is 10-12 Garden St, Tunbridge Wells, Kent, England TN1 2XB . D&D Leasing is authorised and regulated by the Financial Conduct Authority (FCA). Score is a brand of D&D Leasing UK Ltd.
Interest Rate: Representative (variable) 29.99% APR.
Purchase Rate: 0%. One-Time Credit Access Fee: £120.
Monthly Fee: £19.99.
Terms and conditions apply.
When you are unable to access credit, it has a big impact on many aspects of your life including the purchase goods and services, ability to rent or buy a home, attending, or sending children to school or university, and more. When your beliefs prohibit riba (paying a rate of interest on credit), it can be challenging to find a path to establishing credit that affords you these things.
The Score Mastercard® was specifically designed for Muslim’s who need to establish credit. Shariah compliant, the card is riba-free, has no interest charged on outstanding balances, and your credit limit is secured with a pre-funded deposit to protect you from increasing your debt load. Consistent repayment on the card helps to establish your credit history with the credit agencies over time.
The sooner you get started establishing a repayment history and getting into good financial habits, the sooner you’ll be on track to reaching your financial goals. It’s not as difficult as you might think!
Why the Score Mastercard®?
- Certified by Shariah scholars.
- There’s no interest charged on your purchases or outstanding balances - EVER.
- Payments are reported to the credit agencies every month helping you establish your credit rating.
- Approval is fast and easy.
- It’s the safest way to have a credit card and establish credit without getting into consumer debt.
- You provide an upfront deposit.
- Get a credit limit based on the deposit amount you choose.
- Make every-day retail or online purchases just like a regular card.
- Make your payments on time.
- Pay no interest on purchases.
- Oh and your payments are reported to the credit agencies along the way!
Our Founder had to build his credit, just like you!
At 21, Bill had a good career but a lemon for a car. After visiting new and used car lots, he discovered that he couldn’t even qualify for a £1,500 repair loan because of poor credit. Embarrassed and frustrated, he had to call his father for help
Determined to alter the course of his life, Bill became an expert in the field of “credit” – even authoring a book on the subject. He founded DND Finance and created the Score Mastercard® to help companies and individuals with a tarnished history, limited credit, or no credit at all establish their score.
Let the Score Mastercard® help you reach your financial dreams today.
Rev. Dr. K. Bill Dost
Founder, Score Mastercard® & DND Finance
A Shariah Compliant Credit Card with 0% interest
The Score Mastercard is a perfect solution if you:
- Have ever been declined for a credit application
- Are a newcomer to the UK looking to establish credit in the country
- Have been involved in a bankruptcy or IVA (individual voluntary arrangement), and are looking to rebuild your credit
- Are a business looking to establish your company’s credit history while managing your expenses
- Are a student building credit for the first time
- Want to rebuild your credit but don’t want to get into unaffordable consumer debt
- Want the highest chance of getting approved for a credit card, regardless of your past credit history
Applicants must be UK residents aged 18 or over. Subject to successful identity and residency verification. See https://www.scorebydnd.com/card-agreements for full Terms and Conditions.
There are both up-front fees to active your card, as well as ongoing monthly costs to maintaining access to your card as a credit building solution. Whether you are a personal cardholder, or a business, you can see a comprehensive list of all fees here
You will receive the card in approximately 7 working days from receiving your security deposit. Please note that this time frame also applies to reissues for lost, stolen or expired cards. If you haven't received your card within 7 working days, please contact Customer Service at 0800 170 0213 or +44 203 150 4634.
Log in to your mobile app or the website and select ‘activate card’ and follow the instructions.
Just start by clicking the Apply Now button on our website, and you’ll be directed to provide some basic contact information and supplied with a link to access our secure application portal. After completing our simple application (typically about 5 minutes) and receiving an approval, you’ll be directed to download our app and sign in to complete the onboarding process.
Please call 0800 170 0213 or +44 203 150 4634 and one of our customer service representatives would be pleased to process your credit limit increase request.
Your security deposit will be refunded to you once the statement period has completed, less any outstanding fees or balances owing. Please call 0800 170 0213 (+44 203 150 4634) or email support@scorebydnd.com and one of our customer service team members would be please to process your account closing and answer any questions.
This is the Privacy Policy of D&D Leasing UK Limited of Studio 404, The Light Bulb, 1 Filament Walk, London, SW18 4GQ.Your
privacy and security is of the utmost importance to us.
This policy sets out the basis on which any personal data we collect from you (or others provide to us), will be processed by us and
shared with third parties. Please read our Privacy Policy carefully.
We have put in place a number of measures to ensure that any personal data we obtain from you is processed and maintained in
accordance with legal requirements and the accepted principles of good information handling in accordance with the Data
Protection Act 1998 (the “DPA”) and the UK General Data Protection Regulations (“UK GDPR”).
The Data Controller is D&D Leasing UK Limited. We determine the purposes for which and the manner in which your personal data
will be processed.
2. Who does this Privacy Policy apply to?
This Policy applies to customers who seek finance facilities from us. It will cover how we process data in connection with the initial
finance application and then our ongoing management and servicing of the account. As well as individuals, “customers” will also
include partnerships, unincorporated and incorporated bodies (including limited companies and limited liability partnerships). This
policy also applies to guarantors.
Although in general the legal requirements only apply to the handling of personal data in relation to individuals, we also seek to
apply the same standards of good information handling in respect of all customers.
Where there are two or more persons named in the finance agreement, this Policy applies to each of them separately.
Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money
laundering, and to verify your identity. These checks require us to process personal data about you.
3. What is personal data?
This is any information that either alone, or in combination with other information, would identify a person as a living individual.
Details of the personal information that will be processed include, for example, name, address, date of birth, contact details,
financial information, employment details and device identifiers including IP addresses.
4. How we collect your personal information
We may as a result of your interaction with our website and when you apply for finance, process and store your information on our
computer systems and our manual files. We will also collect and store personal and financial information about you when you or
an introducer provide us with information over the telephone or by email, and when we access information held by credit reference,
fraud prevention and business information agencies about you. We also collect personal information when we communicate with
you during our servicing of your agreement with us.
The personal data you have provided, we have collected from you, or we have received from third parties will be used to prevent
fraud and money laundering, and to verify your identity.
We will collect the data shown below, whether or not you become a customer in connection with your application. If you become
a customer we will use it to manage and service your account.
5. The types of data we collect and use
The type of data we collect and the reasons why include the following:
• Credit Assessment. We collect personal and financial information from you and from credit reference agencies (CRAs) and
fraud prevention agencies to help us carry out identity checks and to assess your ability to meet your financial commitments
and to check that you are creditworthy. Where you have applied to act as a personal guarantor we will assess your financial
suitability to act as a guarantor.
For individuals, such information includes your current and recent addresses, whether you are on the electoral role, your age,
email address and telephone number, whether you are a home owner or tenant, personal data about bank accounts, credit
cards, mortgages and other agreements that involve a credit arrangement like utilities and communications contracts
(including mobile and internet) and how you are meeting your payment obligations to these organisations and whether you
have any court judgments. We will also search and record information gathered from the Land Registry to confirm your property
ownership.
We may also collect information about a business you own or are involved with including requesting financial records, such as
accounts and information held by public bodies such as Companies House. Similar information will also be collected where
you are an incorporated body and may include your registered office, business addresses and contacts details, bank details,
VAT number, number of employees, business history and information gathered from credit information providers to inform us
about your financial performance and credit standing.
• Prevent and detect crime: We collect personal and financial information from you and from CRAs, fraud prevention agencies
and public or government bodies to help us to detect and prevent crime and fraud and to verify your identity (or in the case of
an incorporated body, its beneficial owners) under our anti-money laundering obligations. We and fraud prevention agencies
may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
• Servicing of your facility: The information we collect will enable us to communicate with you about your finance facility and to
service your account, for example to issue statements, to process your payments onto our systems, to contact you about any
Our Complaints Policy
Quality is central to our culture at Score Mastercard® by DND, and we aim to provide excellent service. Should you be unhappy or dissatisfied with the service provided, please contact us and we will investigate the matter further in order to come to a satisfactory and appropriate outcome.
If you have a complaint, you may email us at support@scorebydnd.com, or alternatively write to the address below:
Studio LU.404
The Light Bulb
1 Filament Walk
Wandsworth
SW18 4GQ
Should Score Mastercard® by DND receive a complaint this will be acknowledged in writing. We will aim to resolve this within 15 days.
In the unlikely event that the complaint is not resolved within 15 days, Score Mastercard® by DND will send a response explaining the matter and the final response will be sent within 35 days.
Where Score Mastercard® by DND fails to resolve a client’s complaint within the 15 day time frame, or where the client feels that the complaint was not handled appropriately, (including cases where the complaint was not properly identified as a complaint), the client have the right to file a complaint to PayrNet if they believe that we provide our services improperly or our operations breach customers’ rights or legitimate interests. The filing of complaints and complaint handling process is free of charge at PayrNet.
PayrNet shall accept complaints submitted in person (directly to Customer Service employee, verbally or in writing), by regular or registered mail (sending it to PayrNet’s registered office 138 Holborn, Holborn, London EC1N 2SW or actual place of business), email (at the address complaints@payr.net) or through the digital channels provided by PayrNet’s online and mobile platforms.
If you are not satisfied with the response, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of the final response letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.
In order to contact the Financial Ombudsman Service, you should write to them at Exchange Tower, London E14 9SR, telephone them on 0800 023 4567 or 0300 123 9123, e-mail them at complaint.info@financial-ombudsman.org.uk.
Further information can be found at: www.financial-ombudsman.org.uk
Credit is provided by D&D Leasing UK Ltd. T/A DND Finance and it is a company registered in England and Wales with registered number 06638748. The registered office for this company is 10-12 Garden St, Tunbridge Wells, Kent, England TN1 2XB . D&D Leasing is authorised and regulated by the Financial Conduct Authority (FCA). Score is a brand of D&D Leasing UK Ltd.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. The Card is issued by PayrNet ltd pursuant to licence by Mastercard International Inc. D&D Leasing UK LTD (Firm reference number 06638748) is a distributor of PayrNet Ltd which is an Electronic Money Institution authorised by the FCA under the Electronic Money Regulations 2011 (EMR’s) with Firm Reference Number 900594.
