If you are 18 years of age or over and a UK or Channel Islands resident you can apply for a Sky Card.However, as with any credit card, all applications are subject to status.

Online: follow the APPLY NOW link opposite - this should only take a few minutes. The application process is simple, and you don't need to post any documents to us.

Sky Active: you can request a Sky Card application pack from the Sky Card area within Sky Active.

Phone us: you can request a Sky Card application pack by calling Sky Card Customer Services on 0844 241 1251.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls to the 0844 number or requests on Sky Active will cost no more than 5p per minute, plus a 6p connection fee (Current at March 2008). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

If your application is accepted we aim to process it, issue your PIN and send your card all within 15 working days. Occasionally it may take up to 28 days.

Your Sky Card contains the latest Chip and PIN technology and on the Sky Card website all of your personal and account details are held in a secure area. So whether you use your Sky Card online, or on the High Street, you can do so with real confidence.

Yes, you can have up to eight Sky Cards on one account. All of the SkyPoints earned on your additional cards are added to your SkyPoints total, but don't forget your available credit limit must be shared across all the cards on your account.

Please see the Terms and Conditions that you received alongside your Sky Card for details of when your interest free period on balance transfers and purchases ends. Alternatively, call Sky Card Customer Services on 0870 333 5470.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

Default charges will apply if your monthly payment is late, if you go over your credit limit or if your payment is returned (please see the Summary box for details). To help you avoid these charges, we print a payment due date and clearly state your credit limit on your statement. If you feel you are at risk of going over your agreed limit, please contact Sky Card Customer Services to discuss the review of your credit limit.

Useful Tip
By setting up a direct debit you can ensure you never miss a payment. Sky Card Customer Services can assist you in setting up a direct debit on your account. Sky Card Customer Service helpline: 0870 333 5470.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes

If you find your PIN number difficult to remember then it's a good idea to change your PIN to a number that you won't forget. You can do this easily at any Barclays, Lloyds TSB, HSBC or Royal Bank of Scotland cash machine.

To change your PIN just follow these simple instructions:

• Go to a Barclays, Lloyds TSB, HSBC or Royal Bank of Scotland cash machine*
• Insert your card as normal (as you would for a debit card)
• Select the options for 'PIN services' and 'Change PIN'
• Key in your current PIN number
• Follow the on-screen instructions to change your PIN

* If you live in Scotland you can change your PIN at any Barclays, Alliance & Leicester, Northern Bank or Royal Bank of Scotland cash machine.

If it is a Chip and PIN terminal then you will not be able to go through with your purchase.

If you need a new PIN, please contact Sky Card Customer Services on 0870 333 5470.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes

All of our statements are sent out automatically as this is a legal requirement. You will receive your statement at approximately the same time each month, provided that you have a balance on your account. If you are not receiving your statements then we would advise you to check with your post office to ensure there are no mail delivery problems. You can also check your account and view your statements online, via the 'Your Account' link. You can access this information through Sky Active using your Sky TV remote control.

We will charge you for any reasonable costs or losses we incur if you act outside of your Terms and Conditions, for example if your payment does not clear or is not received by the due date. Please check the clearing times which are shown on the back of your Sky Card statement noting that these are all working days.

Useful Tip - see amends to this section above
By setting up a direct debit you can ensure you never miss a payment and therefore never incur the late payment fees. Ask Sky Card Customer Services team for assistance in setting it up

Sky Card Customer Service helpline: 0844 241 1251.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls to the 0844 number or requests on Sky Active will cost no more than 5p per minute, plus a 6p connection fee (Current at March 2008). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

For just 89p a month for every �100 of your Sky Card balance, you can take out our Payment Break Plan. This plan allows you to take a break from your monthly Sky Card payments for up to 2 and a half years should you lose your job or become ill. During this time you would not have to pay any interest or fees. Terms and conditions apply.

Please call Sky Card Customer Services on 0870 333 5470 for more information. Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

Yes, you can redeem your SkyPoints against all rewards available regardless of whether you are the main Sky TV account holder in your household. Just follow these simple steps:

• Redeem your SkyPoints in the usual way
• Tick the box to 'gift' the redemption to the Sky TV account holder
• Remember to provide the recipients details
• The SkyPoints will then be deducted from your Sky Card account.
• The 'gift' will be applied to the Sky TV holder's account

If you wish to complain about Sky Card, please contact the Sky Card Customer Services team on 0870 333 5470.

How long will it take?
We aim to resolve a complaint within 4 weeks, this allows sufficient time for us to address the complaint to your satisfaction. If further time is needed to investigate your complaint, we will contact you to explain why.

Contacting us whilst we are resolving your complaint.
Should you wish to contact us whilst we are dealing with your complaint, please feel free to do so in the following ways, quoting your reference number on the accompanying letter.
Post to: Sky Card Customer Services, PO Box 6476, Northampton, NN4 1ZN
Telephone: 0870 333 5470 (Mon. to Fri. 8am to 10pm, Sat. 8am to 6pm)
Please remember to quote your unique reference number when you contact us about your complaint.

What happens if you are still not happy?
In the event that we are unable to resolve your complaint you can contact the Financial Ombudsman Service at: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone: 0845 080 1800 Email: enquiries@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

In order to activate your Sky Card you should contact the Sky Card Credit Card Activation department on 08000 56 09 39.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday.

Your Sky Card financial and account information is available online, simply log into 'Your Account' section of this website. Alternatively you may wish to contact Sky Card Customer Service Team on 0870 333 5470.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

Please contact the Sky Card Customer Service Team on 0870 333 5470. Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

Useful tip
We will send out a letter confirming your Sky Points redemption within 5 working days. Depending on where you are within your Sky billing cycle you will see the saving on your next or the subsequent Sky bill.

Sky Card is committed to the Banking Code which sets out the governing principles of a bank's dealing with their customers.

You can obtain a copy of the Code from any branch of Barclays or by telephoning the Barclays information line on 0800 400 100. You can also find a copy of the Code on the website of the Banking Code Standards Board - www.bankingcode.org.uk

How it works:
For every �1 spent on purchases using your Sky Card, you will receive 1 SkyPoint which can be saved to later redeem against an exciting range of rewards. Please be advised that SkyPoints are not awarded on the following transactions: Balance transfers, Sky Card cheques, Cash advances, Traveller's cheques, Interest or any other fees.

Choose your reward: SkyPoints rewards can be divided into 4 categories:
Watch - here you can find rewards which are applicable to your Sky TV. For example, for 500 points you could save �5 off your monthly Sky bill. You can also redeem multiples of �5. Sky Box Office Movies, monthly subscriptions to premium channels and much more can also be found here.
Play & Shop - Here you can use your SkyPoints to place a bet with Sky Bet, purchase Sky remote or even make a charity donation to Chicken Shed Theatre Company (Sky's chosen charity). If you choose the latter, Sky will match your donation.
Experience - The experience category offers you the chance to win a range of experiences. Past experiences have included a trip to Paris to watch the ATP Masters Tennis and VIP tickets to the BRIT Awards, courtesy of MasterCard.

To redeem your SkyPoints:
Go to 'Your Account' section on this website
Go to the Sky Card area on Sky Active
Call Sky Card Customer Service Team on 08703 33 54 70.

Lines are open between 8am to 10pm Monday to Friday, and 8am to 6pm on Saturday. For BT residential customers, calls will cost no more than 8p per minute, plus 6p call set-up fee (current at August 2007). The price on non-BT phone lines may be different. Calls may be monitored or recorded for training purposes.

Call Lost & Stolen services on 0870 333 5471, or call +44(0) 1293 765 471 if calling from abroad. These lines are open 24/7.

For BT residential customers, calls to 0870 numbers will cost no more than 8p per minute, plus 6p call set-up fee. The price on non-BT phone lines may be different (current at April 2008). Calls may be recorded so we can maintain high levels of security and quality of service.