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UK shop transactions are free with the Red Card and Insider Programme, but not with the Black Card.
It depends on which Caxton card you have.
Caxton offers several membership types, each with different benefits. When it comes to using your card for shop transactions (also known as Point of Sale or POS) in the UK:
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Red Card – Yes, it’s free to use in the UK for both shop (POS) transactions and ATM withdrawals.
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Insider Programme – Yes, UK shop (POS) transactions are free. However, ATM withdrawals in the UK are not free under this invite-only membership.
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Black Card – No, UK usage is not free. The Black Card is designed for overseas use, so you’ll be charged if you use it for UK shop transactions or cash withdrawals.
If you're not sure which card you hold, you can check your membership status in the app or contact our support team.