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MBNA brings to you an offer of 12 months interest free on balance transfers and 15.9% APR (variable) on card purchases. Unlike some other lenders, this rate applies no matter how much you wish to transfer within your credit limit, how many balances you transfer, or when you transfer them within the promotional period. What's more, every person approved for the Platinum Plus card receives the APR advertised - it is not just the best case scenario!