• Men from Morocco and Bangladesh react as they sit in an overcrowded wooden boat, as aid workers of the Spanish NGO Open Arms approach them in the Mediterranean Sea on January 10, 2020. AP Photo
    Men from Morocco and Bangladesh react as they sit in an overcrowded wooden boat, as aid workers of the Spanish NGO Open Arms approach them in the Mediterranean Sea on January 10, 2020. AP Photo
  • Soldiers march along Rajpath during the Republic Day parade in New Delhi on January 26, 2020. AFP
    Soldiers march along Rajpath during the Republic Day parade in New Delhi on January 26, 2020. AFP
  • South Sudanese traditional wrestlers Dengic Parrach from Yirol is tackled by Ekuach Ladu from Terekeka dressed in a leopard skin as they compete in a peace match during national championships in Juba, South Sudan on February 1, 2020. Reuters
    South Sudanese traditional wrestlers Dengic Parrach from Yirol is tackled by Ekuach Ladu from Terekeka dressed in a leopard skin as they compete in a peace match during national championships in Juba, South Sudan on February 1, 2020. Reuters
  • Iraqi boys play with snow in the holy Shiite city of Karbala on February 11, 2020. Mohammed Sawaf / AFP
    Iraqi boys play with snow in the holy Shiite city of Karbala on February 11, 2020. Mohammed Sawaf / AFP
  • A worker with sanitizing equipment crosses the road in front of a hospital in Yichang city of Hubei, China on February 12, 2020. China Daily via Reuters
    A worker with sanitizing equipment crosses the road in front of a hospital in Yichang city of Hubei, China on February 12, 2020. China Daily via Reuters
  • The newly opened dropin slide at Hatta Wadi Hub, Hatta, Dubai, 21st February 2020. Leslie Pableo for The National
    The newly opened dropin slide at Hatta Wadi Hub, Hatta, Dubai, 21st February 2020. Leslie Pableo for The National
  • An aerial picture taken by a drone shows Iraqi protesters at Tahrir Square in central Baghdad, on March 1, 2020. EPA
    An aerial picture taken by a drone shows Iraqi protesters at Tahrir Square in central Baghdad, on March 1, 2020. EPA
  • Students take part in a cultural procession to celebrate Holi in Kolkata on March 9, 2020. Dibyangshu Sarkar / AFP
    Students take part in a cultural procession to celebrate Holi in Kolkata on March 9, 2020. Dibyangshu Sarkar / AFP
  • Armed forces from the UAE and the United States strengthen military ties in a major training exercise taking place in Abu Dhabi, 19th March 2020. WAM
    Armed forces from the UAE and the United States strengthen military ties in a major training exercise taking place in Abu Dhabi, 19th March 2020. WAM
  • The Aerial picture shows boatmen waiting for passengers docked on the bank of a river in Dhaka on March 28, 2020. Munir uz Zaman / AFP
    The Aerial picture shows boatmen waiting for passengers docked on the bank of a river in Dhaka on March 28, 2020. Munir uz Zaman / AFP
  • Finland's freediver Kristian Maki-Jussila, 37, swims under the ice in a frozen lake on April 1st 2020. Olivier Morin / AFP
    Finland's freediver Kristian Maki-Jussila, 37, swims under the ice in a frozen lake on April 1st 2020. Olivier Morin / AFP
  • People stand on the lines drawn to maintain safe distance in Chennai, 3rd April 2020. P Ravikumar / Reuters
    People stand on the lines drawn to maintain safe distance in Chennai, 3rd April 2020. P Ravikumar / Reuters
  • This picture taken on April 14, 2020 shows the Paris' Cathedral Notre Dame at the sunrise on the eve of the anniversary of the violent fire who destroyed a large part of the building in 2019. Thomas Coex / AFP
    This picture taken on April 14, 2020 shows the Paris' Cathedral Notre Dame at the sunrise on the eve of the anniversary of the violent fire who destroyed a large part of the building in 2019. Thomas Coex / AFP
  • Multiple exposures were combined to produce this image during the Lyrids meteor shower over the Abu Dhabi desert 22nd April. The National
    Multiple exposures were combined to produce this image during the Lyrids meteor shower over the Abu Dhabi desert 22nd April. The National
  • Mandy Alison poses with a selection of over 125,000 birthday cards sent to Captain Tom Moore, for his 100th birthday on April 30. Justin Tallis / AFP
    Mandy Alison poses with a selection of over 125,000 birthday cards sent to Captain Tom Moore, for his 100th birthday on April 30. Justin Tallis / AFP
  • Anti-lockdown protesters are arrested by police officers as they gather outside New Scotland Yard in Victoria, London on May 2, 2020. Justin Tallis / AFP
    Anti-lockdown protesters are arrested by police officers as they gather outside New Scotland Yard in Victoria, London on May 2, 2020. Justin Tallis / AFP
  • A canon is fired at the Sheikh Zayed Grand Mosque to mark the beginning of iftar on May 6. Victor Besa / The National
    A canon is fired at the Sheikh Zayed Grand Mosque to mark the beginning of iftar on May 6. Victor Besa / The National
  • Olympic and World Champion long distance runner Mo Farah exercises near deer in Richmond Park on May 12, 2020. Dylan Martinez / Reuters
    Olympic and World Champion long distance runner Mo Farah exercises near deer in Richmond Park on May 12, 2020. Dylan Martinez / Reuters
  • A youth poses with fish in Iraq's southern port city of Al Faw, 90 kilometres south of Basra near the Shatt Al Arab and the Gulf, on May 18, 2020. Hussein Faleh / AFP
    A youth poses with fish in Iraq's southern port city of Al Faw, 90 kilometres south of Basra near the Shatt Al Arab and the Gulf, on May 18, 2020. Hussein Faleh / AFP
  • Worshippers performing the Laylat Al Qadr prayer while maintaining social-distancing norms during Ramadan, at the Grand Mosque in Makkah, Saudi Arabia, on May 19, 2020. Saudi Press Agency / Reuters
    Worshippers performing the Laylat Al Qadr prayer while maintaining social-distancing norms during Ramadan, at the Grand Mosque in Makkah, Saudi Arabia, on May 19, 2020. Saudi Press Agency / Reuters
  • A SpaceX Falcon 9 rocket carrying the company's Crew Dragon spacecraft is seen in this false color infrared exposure as it is launched on June 1, 2020 in Cape Canaveral, Florida. Bill Ingalls / EPA
    A SpaceX Falcon 9 rocket carrying the company's Crew Dragon spacecraft is seen in this false color infrared exposure as it is launched on June 1, 2020 in Cape Canaveral, Florida. Bill Ingalls / EPA
  • In this undated handout picture taken from a drone and released to AFP by the Great Barrier Reef Foundation and Queensland Government shows Green turtles nesting on Raine Island, 11th June 2020. AFP
    In this undated handout picture taken from a drone and released to AFP by the Great Barrier Reef Foundation and Queensland Government shows Green turtles nesting on Raine Island, 11th June 2020. AFP
  • Merlin Coles 3, watches the horse racing from Royal Ascot on TV at his home - Bere Regis, Britain on June 17, 2020. Reuters
    Merlin Coles 3, watches the horse racing from Royal Ascot on TV at his home - Bere Regis, Britain on June 17, 2020. Reuters
  • Jordan domestic tourists ride donkeys as they visit the reopened Petra archeological site, in Petra, some 280 km south of Amman, Jordan, on June 20, 2020. EPA
    Jordan domestic tourists ride donkeys as they visit the reopened Petra archeological site, in Petra, some 280 km south of Amman, Jordan, on June 20, 2020. EPA
  • Maestro Harout Fazlian conducts rehearsals ahead of the Sound of Resilience concert inside the Temple of Bacchus at the historic site of Baalbek in Lebanon's eastern Bekaa Valley, on July 4, 2020. AFP
    Maestro Harout Fazlian conducts rehearsals ahead of the Sound of Resilience concert inside the Temple of Bacchus at the historic site of Baalbek in Lebanon's eastern Bekaa Valley, on July 4, 2020. AFP
  • A general view shows Tahrir Square, after its renovation in Cairo, Egypt July 13, 2020. Mohamed Abd El Ghany / Reuters
    A general view shows Tahrir Square, after its renovation in Cairo, Egypt July 13, 2020. Mohamed Abd El Ghany / Reuters
  • Aram Vardazaryan walks inside his home which suffered of bombing attacks on July 18, 2020, in the village of Aygepar, Tavush region, recently damaged by shelling during armed clashes on the Armenian-Azerbaijani border. Karen MINASYAN / AFP
    Aram Vardazaryan walks inside his home which suffered of bombing attacks on July 18, 2020, in the village of Aygepar, Tavush region, recently damaged by shelling during armed clashes on the Armenian-Azerbaijani border. Karen MINASYAN / AFP
  • The casket of civil rights pioneer and longtime US Representative John Lewis is placed by a US military honour guard at the center of the US Capitol Rotunda to lie in state in Washington on July 27, 2020. Jonathan Ernst / Reuters
    The casket of civil rights pioneer and longtime US Representative John Lewis is placed by a US military honour guard at the center of the US Capitol Rotunda to lie in state in Washington on July 27, 2020. Jonathan Ernst / Reuters
  • A handout picture provided by Saudi Press Agency (SPA), on July 31, 2020, shows Muslim worshippers throwing pebbles at the devil during the Hajj pilgrimage. SPA / AFP
    A handout picture provided by Saudi Press Agency (SPA), on July 31, 2020, shows Muslim worshippers throwing pebbles at the devil during the Hajj pilgrimage. SPA / AFP
  • A Sudanese man stands next to his furniture after torrential rain lead to landslides and flash floods in the town of Umm Dawan Ban, southeast of Khartoum on August 2, 2020. Ashraf Shazly / AFP
    A Sudanese man stands next to his furniture after torrential rain lead to landslides and flash floods in the town of Umm Dawan Ban, southeast of Khartoum on August 2, 2020. Ashraf Shazly / AFP
  • A drone picture shows the scene of an explosion that hit the seaport of Beirut, Lebanon, on August 5, 2020. Hussein Malla / AP Photo
    A drone picture shows the scene of an explosion that hit the seaport of Beirut, Lebanon, on August 5, 2020. Hussein Malla / AP Photo
  • August 20 Big Pic Photos of the Beirut port blast survivor: (L-R Top) Angelique Sabounjian was at work when the explosion rocked the city, Shady Rizk, 32, a network engineer, was injured at his office, Yara Saeid, 4, was at her parents’ apartment, Hussein Haidar, 27, was working at his office. (L-R Bottom) Hassan Nabha, 27, a computer and communication engineer, was at his office, Clara Chammas, a psychologist and a health coach, was injured at her apartment, Tony Helou, 63, unemployed, was injured at his apartment and Rainier Jreissati, 63, a businessman, was at home when the blast struck. AP
    August 20 Big Pic Photos of the Beirut port blast survivor: (L-R Top) Angelique Sabounjian was at work when the explosion rocked the city, Shady Rizk, 32, a network engineer, was injured at his office, Yara Saeid, 4, was at her parents’ apartment, Hussein Haidar, 27, was working at his office. (L-R Bottom) Hassan Nabha, 27, a computer and communication engineer, was at his office, Clara Chammas, a psychologist and a health coach, was injured at her apartment, Tony Helou, 63, unemployed, was injured at his apartment and Rainier Jreissati, 63, a businessman, was at home when the blast struck. AP
  • Jason Von Berg of The National scales the walls of Cymb Abu Dhabi which has just been recognised with two Guinness World Records for the largest indoor skydiving wind tunnel and the world’s tallest indoor climbing wall, August 24, 2020. Victor Besa /The National
    Jason Von Berg of The National scales the walls of Cymb Abu Dhabi which has just been recognised with two Guinness World Records for the largest indoor skydiving wind tunnel and the world’s tallest indoor climbing wall, August 24, 2020. Victor Besa /The National
  • A right-wing protester shakes hands with a Black Lives Matter protester in front of the Louisville Metro Hall on September 5, 2020. Brandon Bell/Getty Images/AFP
    A right-wing protester shakes hands with a Black Lives Matter protester in front of the Louisville Metro Hall on September 5, 2020. Brandon Bell/Getty Images/AFP
  • Workers working on the Museum of The Future on Sheikh Zayed road in Dubai on September 9, 2020. Pawan Singh / The National
    Workers working on the Museum of The Future on Sheikh Zayed road in Dubai on September 9, 2020. Pawan Singh / The National
  • This September 12, 2020, image obtained from the National Oceanic and Atmospheric Administration (NOAA) shows smoke from Oregon and California wildfires. NOAA / AFP
    This September 12, 2020, image obtained from the National Oceanic and Atmospheric Administration (NOAA) shows smoke from Oregon and California wildfires. NOAA / AFP
  • A handout photo made available by the Academy of Television Arts & Sciences shows Jimmy Kimmel (C) hosting the 72nd annual Primetime Emmy Awards ceremony in Los Angeles on September 20 2020. EPA
    A handout photo made available by the Academy of Television Arts & Sciences shows Jimmy Kimmel (C) hosting the 72nd annual Primetime Emmy Awards ceremony in Los Angeles on September 20 2020. EPA
  • Five luxury cruise ships are seen being broken down for scrap at the Aliaga ship recycling port on October 02, 2020 in Izmir, Turkey. Chris McGrath / Getty Images
    Five luxury cruise ships are seen being broken down for scrap at the Aliaga ship recycling port on October 02, 2020 in Izmir, Turkey. Chris McGrath / Getty Images
  • An aerial view taken on October 6, 2020, shows displaced Syrian youths standing in a queue ahead of classes at a camp for the internally displaced in the town Maarrat Misrin in Syria’s northwestern Idlib province. Omar Haj Kadour / AFP
    An aerial view taken on October 6, 2020, shows displaced Syrian youths standing in a queue ahead of classes at a camp for the internally displaced in the town Maarrat Misrin in Syria’s northwestern Idlib province. Omar Haj Kadour / AFP
  • A visitor takes a selfie during the opening of Global Village in Dubai on October 25. The attraction is celebrating it’s 25th season this year. Reem Mohammed / The National
    A visitor takes a selfie during the opening of Global Village in Dubai on October 25. The attraction is celebrating it’s 25th season this year. Reem Mohammed / The National
  • Clockwise: A person holds real life action figures depicting democratic US presidential nominee and former Vice President Joe Biden and former U.S. President Barack Obama. Supporters of U.S. President Donald Trump are pictured at Rochester International Airport. Seven-year-old supporter Lexi Katzman draws campaign slogans on her father's car. A Biden supporter wearing a mask in Phoenix, Arizona. A child dressed up as U.S. President Donald Trump waves during his campaign event in Martinsburg, Pennsylvania. Julian Rosales is dressed as an astronaut and accompanied by his mom Fidelina, as they show their support for Democrat Mark Kelly. 3rd November, 2020. Reuters/ AFP/ EPA
    Clockwise: A person holds real life action figures depicting democratic US presidential nominee and former Vice President Joe Biden and former U.S. President Barack Obama. Supporters of U.S. President Donald Trump are pictured at Rochester International Airport. Seven-year-old supporter Lexi Katzman draws campaign slogans on her father's car. A Biden supporter wearing a mask in Phoenix, Arizona. A child dressed up as U.S. President Donald Trump waves during his campaign event in Martinsburg, Pennsylvania. Julian Rosales is dressed as an astronaut and accompanied by his mom Fidelina, as they show their support for Democrat Mark Kelly. 3rd November, 2020. Reuters/ AFP/ EPA
  • Members of rescue services watch and take photographs with their mobile phones, as colleagues and medics carry 4-year-old Ayda Gezgin, covered in a thermal blanket, after she was rescued in the debris of her collapsed building in Izmir, Turkey, on Nov 5th, 2020. Samet Dogru / IHA via AP
    Members of rescue services watch and take photographs with their mobile phones, as colleagues and medics carry 4-year-old Ayda Gezgin, covered in a thermal blanket, after she was rescued in the debris of her collapsed building in Izmir, Turkey, on Nov 5th, 2020. Samet Dogru / IHA via AP
  • People look at ancient sarcophagi on display, discovered in a vast necropolis in Saqqara, Giza, Egypt, Saturday, Nov. 14, 2020. Nariman El-Mofty / AP Photo
    People look at ancient sarcophagi on display, discovered in a vast necropolis in Saqqara, Giza, Egypt, Saturday, Nov. 14, 2020. Nariman El-Mofty / AP Photo
  • Crowds on the beach in Cape Canaveral, Florida, watch the launch of the SpaceX Falcon 9 Crew Dragon on its Crew-1 mission carrying four astronauts on November 15, 2020. Malcolm Denemark / Florida Today via AP
    Crowds on the beach in Cape Canaveral, Florida, watch the launch of the SpaceX Falcon 9 Crew Dragon on its Crew-1 mission carrying four astronauts on November 15, 2020. Malcolm Denemark / Florida Today via AP
  • Pope Francis greets Pope Emeritus Benedict XVI during a meeting following a consistory ceremony to install 13 new cardinals, at the Vatican, November 28, 2020. Vatican Media/Handout via Reuters
    Pope Francis greets Pope Emeritus Benedict XVI during a meeting following a consistory ceremony to install 13 new cardinals, at the Vatican, November 28, 2020. Vatican Media/Handout via Reuters
  • An Afghan National Army (ANA) soldier demonstrates his skills during a graduation a ceremony in a military base in the Guzara district of Herat province on December 2, 2020. Hoshang Hashimi / AFP
    An Afghan National Army (ANA) soldier demonstrates his skills during a graduation a ceremony in a military base in the Guzara district of Herat province on December 2, 2020. Hoshang Hashimi / AFP
  • Firefighters work next to a car surrounded by flames during a protest against the "Global Security Bill'' in Paris, France, December 5, 2020. Gonzalo Fuentes / Reuters
    Firefighters work next to a car surrounded by flames during a protest against the "Global Security Bill'' in Paris, France, December 5, 2020. Gonzalo Fuentes / Reuters
  • A Palestinian man dressed as Santa Claus walks along an almost deserted street in the occupied West Bank town of Bethlehem, ahead of Christmas, on December 23, 2020. Hazem Bader / AFP
    A Palestinian man dressed as Santa Claus walks along an almost deserted street in the occupied West Bank town of Bethlehem, ahead of Christmas, on December 23, 2020. Hazem Bader / AFP

The best of the Big Picture: Images of 2020


  • English
  • Arabic

Read more from 2020 in review:

Wuhan to the Beirut blast: 2020's biggest moments photographed from above

Women of the year: female forces that shaped 2020

How 16 events that were postponed in 2020 will be staged in 2021

10 really good things that happened in 2020

__________

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RESULT

Australia 3 (0) Honduras 1 (0)
Australia: Jedinak (53', 72' pen, 85' pen)
Honduras: Elis (90 4)

The specs

Engine: 2.0-litre 4cyl turbo

Power: 261hp at 5,500rpm

Torque: 405Nm at 1,750-3,500rpm

Transmission: 9-speed auto

Fuel consumption: 6.9L/100km

On sale: Now

Price: From Dh117,059

QUALIFYING RESULTS

1. Max Verstappen, Netherlands, Red Bull Racing Honda, 1 minute, 35.246 seconds.
2. Valtteri Bottas, Finland, Mercedes, 1:35.271.
3. Lewis Hamilton, Great Britain, Mercedes, 1:35.332.
4. Lando Norris, Great Britain, McLaren Renault, 1:35.497.
5. Alexander Albon, Thailand, Red Bull Racing Honda, 1:35.571.
6. Carlos Sainz Jr, Spain, McLaren Renault, 1:35.815.
7. Daniil Kvyat, Russia, Scuderia Toro Rosso Honda, 1:35.963.
8. Lance Stroll, Canada, Racing Point BWT Mercedes, 1:36.046.
9. Charles Leclerc, Monaco, Ferrari, 1:36.065.
10. Pierre Gasly, France, Scuderia Toro Rosso Honda, 1:36.242.

Eliminated after second session

11. Esteban Ocon, France, Renault, 1:36.359.
12. Daniel Ricciardo, Australia, Renault, 1:36.406.
13. Sebastian Vettel, Germany, Ferrari, 1:36.631.
14. Antonio Giovinazzi, Italy, Alfa Romeo Racing Ferrari, 1:38.248.

Eliminated after first session

15. Antonio Giovinazzi, Italy, Alfa Romeo Racing Ferrari, 1:37.075.
16. Kimi Raikkonen, Finland, Alfa Romeo Racing Ferrari, 1:37.555.
17. Kevin Magnussen, Denmark, Haas Ferrari, 1:37.863.
18. George Russell, Great Britain, Williams Mercedes, 1:38.045.
19. Pietro Fittipaldi, Brazil, Haas Ferrari, 1:38.173.
20. Nicholas Latifi, Canada, Williams Mercedes, 1:38.443.

Moonfall

Director: Rolan Emmerich

Stars: Patrick Wilson, Halle Berry

Rating: 3/5

Sole survivors
  • Cecelia Crocker was on board Northwest Airlines Flight 255 in 1987 when it crashed in Detroit, killing 154 people, including her parents and brother. The plane had hit a light pole on take off
  • George Lamson Jr, from Minnesota, was on a Galaxy Airlines flight that crashed in Reno in 1985, killing 68 people. His entire seat was launched out of the plane
  • Bahia Bakari, then 12, survived when a Yemenia Airways flight crashed near the Comoros in 2009, killing 152. She was found clinging to wreckage after floating in the ocean for 13 hours.
  • Jim Polehinke was the co-pilot and sole survivor of a 2006 Comair flight that crashed in Lexington, Kentucky, killing 49.
Silent Hill f

Publisher: Konami

Platforms: PlayStation 5, Xbox Series X/S, PC

Rating: 4.5/5

What is blockchain?

Blockchain is a form of distributed ledger technology, a digital system in which data is recorded across multiple places at the same time. Unlike traditional databases, DLTs have no central administrator or centralised data storage. They are transparent because the data is visible and, because they are automatically replicated and impossible to be tampered with, they are secure.

The main difference between blockchain and other forms of DLT is the way data is stored as ‘blocks’ – new transactions are added to the existing ‘chain’ of past transactions, hence the name ‘blockchain’. It is impossible to delete or modify information on the chain due to the replication of blocks across various locations.

Blockchain is mostly associated with cryptocurrency Bitcoin. Due to the inability to tamper with transactions, advocates say this makes the currency more secure and safer than traditional systems. It is maintained by a network of people referred to as ‘miners’, who receive rewards for solving complex mathematical equations that enable transactions to go through.

However, one of the major problems that has come to light has been the presence of illicit material buried in the Bitcoin blockchain, linking it to the dark web.

Other blockchain platforms can offer things like smart contracts, which are automatically implemented when specific conditions from all interested parties are reached, cutting the time involved and the risk of mistakes. Another use could be storing medical records, as patients can be confident their information cannot be changed. The technology can also be used in supply chains, voting and has the potential to used for storing property records.

THE SPECS

BMW X7 xDrive 50i

Engine: 4.4-litre V8

Transmission: Eight-speed Steptronic transmission

Power: 462hp

Torque: 650Nm

Price: Dh600,000

Traits of Chinese zodiac animals

Tiger:independent, successful, volatile
Rat:witty, creative, charming
Ox:diligent, perseverent, conservative
Rabbit:gracious, considerate, sensitive
Dragon:prosperous, brave, rash
Snake:calm, thoughtful, stubborn
Horse:faithful, energetic, carefree
Sheep:easy-going, peacemaker, curious
Monkey:family-orientated, clever, playful
Rooster:honest, confident, pompous
Dog:loyal, kind, perfectionist
Boar:loving, tolerant, indulgent   

EXPATS
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Three tips from La Perle's performers

1 The kind of water athletes drink is important. Gwilym Hooson, a 28-year-old British performer who is currently recovering from knee surgery, found that out when the company was still in Studio City, training for 12 hours a day. “The physio team was like: ‘Why is everyone getting cramps?’ And then they realised we had to add salt and sugar to the water,” he says.

2 A little chocolate is a good thing. “It’s emergency energy,” says Craig Paul Smith, La Perle’s head coach and former Cirque du Soleil performer, gesturing to an almost-empty open box of mini chocolate bars on his desk backstage.

3 Take chances, says Young, who has worked all over the world, including most recently at Dragone’s show in China. “Every time we go out of our comfort zone, we learn a lot about ourselves,” she says.

The burning issue

The internal combustion engine is facing a watershed moment – major manufacturer Volvo is to stop producing petroleum-powered vehicles by 2021 and countries in Europe, including the UK, have vowed to ban their sale before 2040. The National takes a look at the story of one of the most successful technologies of the last 100 years and how it has impacted life in the UAE. 

Read part four: an affection for classic cars lives on

Read part three: the age of the electric vehicle begins

Read part two: how climate change drove the race for an alternative 

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How Apple's credit card works

The Apple Card looks different from a traditional credit card — there's no number on the front and the users' name is etched in metal. The card expands the company's digital Apple Pay services, marrying the physical card to a virtual one and integrating both with the iPhone. Its attributes include quick sign-up, elimination of most fees, strong security protections and cash back.

What does it cost?

Apple says there are no fees associated with the card. That means no late fee, no annual fee, no international fee and no over-the-limit fees. It also said it aims to have among the lowest interest rates in the industry. Users must have an iPhone to use the card, which comes at a cost. But they will earn cash back on their purchases — 3 per cent on Apple purchases, 2 per cent on those with the virtual card and 1 per cent with the physical card. Apple says it is the only card to provide those rewards in real time, so that cash earned can be used immediately.

What will the interest rate be?

The card doesn't come out until summer but Apple has said that as of March, the variable annual percentage rate on the card could be anywhere from 13.24 per cent to 24.24 per cent based on creditworthiness. That's in line with the rest of the market, according to analysts

What about security? 

The physical card has no numbers so purchases are made with the embedded chip and the digital version lives in your Apple Wallet on your phone, where it's protected by fingerprints or facial recognition. That means that even if someone steals your phone, they won't be able to use the card to buy things.

Is it easy to use?

Apple says users will be able to sign up for the card in the Wallet app on their iPhone and begin using it almost immediately. It also tracks spending on the phone in a more user-friendly format, eliminating some of the gibberish that fills a traditional credit card statement. Plus it includes some budgeting tools, such as tracking spending and providing estimates of how much interest could be charged on a purchase to help people make an informed decision. 

* Associated Press