Platinum Purchase Card

A great introductory offer on purchases and balance transfers

Good for:

  • Shopping – 0%  interest for up to 20 months on purchases.*
  • Saving - 0% interest for up to 20 months on balances transferred in the first 90 days.**
  • A balance transfer fee of 2.95% applies to balance transfers made in the first 90 days.***
  • 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:
18.94%  p.a.

(variable)

Representative
18.9% APR
(variable)

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

Apply now

What you get

  • Up to 56 days' interest-free period on purchases (from the date of transaction) if you pay your balance in full and on time each month.
  • 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.
 

Summary box

Download the summary box for an overview of all the key credit card features for the Platinum 20 Month Balance Transfer.

Summary Box (PDF)

 
 

* To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month. Lending is subject to status and lending criteria. Borrowers must be aged 18 or over and be a UK resident. We subscribe to the Lending Code. Copies of the code can be obtained from www.lendingstandardsboard.org.uk.

** Minimum balance transfer is £100 and is subject to your credit limit. 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 any default charges. Terms and conditions apply to all TSB 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. The balance transfer promotional rate is only applicable for the first 90 days, once you have been approved for the credit card.

*** 2.95% fee for balance transfers made in the first 90 days after we open your account. 3% fee for balance transfers after 90 days. Terms and conditions apply to all TSB 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 limit, interest rates and promotional periods will vary based on your individual circumstances. Subject to status and lending criteria.
  • 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.

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.

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.

Our representative rate of 18.9% APR (variable) is what most customers, at least 51%, will receive when they apply for the Platinum Purchase Card.