Advance Credit Card

TSB's lowest rate card

Good for:

  • A low rate of 7.9%  APR (variable)
  • 0% interest on purchases for the first three months*
  • 0% interest for the first three months on balances transferred in the first 90 days**
  • 0% balance transfer fee
  • 1% cashback on the first £500 of eligible spend each month when you have a TSB Classic Plus current account. Offer ends on 30 June 2018. Terms and conditions apply

Representative Example

Purchase rate:
7.94% p.a.

(variable)

Representative
7.9%  APR
(variable)

Based on borrowing
£1200
over 12 months
Credit limits and interest rates will vary based on your individual circumstances. Subject to status and lending criteria.

Apply now

What you get

  • ClickSafe® and our Internet fraud protection protect you from online fraud
  • Keep track of your money across your TSB personal current and credit card accounts with Money Planner
  • Use your credit card abroad with worldwide acceptance
Terms and conditions (PDF)

Be aware that

  • The APR you get is subject to status, so may vary
  • You won't be able to transfer a balance that's already on a TSB card
  • Minimum balance transfer is £100 and subject to your credit limit
  • Interest will be charged from day of transaction

Summary box

Download the summary box for an overview of all the key credit card features.

Summary box (PDF)

* Eligible spend does not include cash withdrawals, money transfers, cheques, interest, fees or charges, Payment Protection Cover, transactions at casinos, betting outlets or bookmakers or payments to offline or online current, savings, sharetrading, spread betting, gambling or any other similar account.

** Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. If you don’t pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges. Terms and conditions apply to all TSB Bank credit cards benefits. Full details will be sent with your card. After each introductory period ends you will be charged at the appropriate standard rate.

TSB is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you'd like to talk to us about the choices you've made we will be happy to refer you to a member of staff that will be able to help you. They will also be able to talk to you about your options if you're experiencing financial difficulties.

The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply. Terms and conditions apply to all TSB credit cards and full details will be sent with your card.

Information about Balance Transfers:

Introductory balance transfer offers are available to new TSB credit card customers only and in order to keep your promotional rate you must make your minimum payments on time each month and stay within your credit limit.

Information about Fraud loss:

You are not liable if someone uses your card account without your or an additional cardholder's consent. However, you and additional cardholders must take all reasonable measures to protect your cards and PINs. You should never disclose your PIN, not even to TSB staff or the police. You can give suppliers your card details (but not PINs) and won't be liable if they misuse them. However, if you've given someone else your card details you are liable for all transactions unless you have told us first they are not authorised.

Credit card important information:

  • Credit limits will vary based on your individual circumstances.
  • The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.
  • In order to remain eligible for any promotional rates you must stay within your credit limit and make your payments on time each month.
  • After the introductory period ends you will be charged at your standard rate.
  • Terms and conditions apply to all TSB credit cards benefits. Full details will be sent with your card.
Apply now

To apply for an Advance Credit Card you must be:

  • Aged 18 years or over.
  • A UK resident.
  • Free of any county court judgements.

And you'll need to have the following to hand:

  • Your bank account number and sort code.
  • Your present address in the UK (and previous if less than 3 years).
  • Details of any balances you wish to transfer.

Credit card important information:

  • Credit limits will vary based on your individual circumstances.
  • The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.
  • In order to remain eligible for any promotional rates you must stay within your credit limit and make your payments on time each month.
  • After the introductory period ends you will be charged at your standard rate.
  • Terms and conditions apply to all TSB credit cards benefits. Full details will be sent with your card.
Apply now

We treat all our customers on an individual basis. The APR and interest rates we offer are determined by the details you supply, along with an independent verification of your credit and repayment history.

Your personal APR will be either 7.9%  (variable), 11.9% (variable) or 15.9% (variable).

Our representative rate of 7.9%  APR (variable) is what most customers, at least 51%, will receive when they apply for an Advanced Credit Card.

Apply now