The credit card comes with a 0% non-sterling transaction fee on overseas purchases and a 0% non-sterling transaction fee for ATM withdrawals.

However, cash withdrawals are subject to a 3% cash advance fee (minimum £3).

The product comes from B, Clydesdale and Yorkshire Banks’ digital banking service.

There’s no annual fee for the card and it comes with an interest rate of 9.9% APR.

Customers can also transfer a balance from an existing credit card without a fee for doing so. For use in the UK, the credit card is subject to over limit and late fees of £12 and as it’s a digital product, copies of statements or vouchers are £5.

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However, customers don’t have to have the app or online banking to apply for the B credit card, though the banks said the app allows customers to easily manager their money by tagging spending, setting budgets and receiving personalised insights into their spending habits.

Helen Page, group innovation and marketing director at Clydesdale and Yorkshire Banks, said: “B is all about putting customers back in control of their money and the B credit card does exactly that. It’s a great way to manage holiday spending with no foreign exchange fees, a competitive rate and a super smart app to tag spending at home and abroad.”