Originally Posted by
greglvnv
.... not offered to residents of the USA, Singapore, the European Union (UK exempt) and some other excluded countries....
If you click the [Apply] button as if you were opening a new account the terms do not have yet have the EU exclusion. This suggests that the policy modification is very new, and may not be fully developed. I speculate that the EU exemption may be a Brexit consequence. The UK-based unit that issues these cards may not be licensed in the EU after the UK leaves.