Barclaycard are standing firm

The group says the offer fails to make clear that the 0% interest on balance transfers is only available if the card is used to make purchases.

Last November, the Office of Fair Trading (OFT) told Barclaycard to scrap a previous advert for the offer on the grounds it was "highly misleading."

Barclaycard said the new adverts had been drawn up with the help of the OFT.

Action urged

The Consumers' Association has written to the Advertising Standards Authority (ASA) urging it to take action against Barclaycard.

This kind of marketing is corporate cynicism at its worst Ashleye Sharpe, Consumers' Association

The deal offers people a 0% interest rate on balance transfers until they have paid them off so long as they spend at least �50 a month on the card.

The new debt is charged at a typical interest rate of 14.9%.

If the card holder fails to spend at least �50 a month on the new card, interest at 6.9% is charged on the sum of the balance transfer.

Lambasted

In October, Barclays chief executive Matt Barrett was criticised by the parliamentary Treasury Select Committee for its 0% credit card offer.

One member of the committee went as far as describing the marketing tactics employed in attracting new card business as "a bait and a trap".

The Consumers' Association seems to be the only organisation that thinks this advert is misleading Ian Barber, Barclaycard

Ashleye Sharpe of the Consumers' Association said that the new revamped 'Just the facts' advert still failed to alert customers to interest charges.

"We are very disappointed to find that Barclaycard is still misleading consumers about the true cost of this deal," Ms Sharpe said.

"This kind of marketing is corporate cynicism at its worst."

In response, Barclaycard attacked the Consumers' Association for not having done its homework.

"The Consumers' Association seems to be the only organisation that thinks this advert is misleading," Ian Barber, Barclaycard spokesman told BBC News Online.