Luma Credit Card
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Luma · MASTERCARD
The Luma Credit Card is a credit card from Luma on the Mastercard network. It has an annual fee of £0.
Verified 24 Oct 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 35.9% APR representative (variable)
- Network
- MASTERCARD
Benefits and perks
- Know if you'll be accepted before you apply, with QuickCheck
- Credit limits from £200 to £4,000
- Open to people new to credit or with CCJs
- Add additional cardholders
- Automated fraud alerts and free identity theft protection
Questions about the Luma Credit Card
What is the annual fee on the Luma Credit Card?
The Luma Credit Card has an annual fee of £0.
Is the Luma Credit Card worth it?
The Luma Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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