Credit cards

To get a TSB credit card, you'll need to meet our eligibility criteria and complete an application. Before you apply, you can use our eligibility checker to see if you're likely to be accepted without affecting your credit score.

If you're eligible, you can apply for a credit card online, in the TSB Mobile Banking App or in branch.

A credit card lets you borrow money up to an agreed credit limit. You can use it to make purchases or, depending on your card, transfer balances from other credit cards. Each month, you'll receive a statement showing what you've spent and the minimum payment due. If you pay your full statement balance on time, you may not pay interest on purchases, depending on your card and any promotional offers.

If you'd like to learn more, read our guide to how credit cards work.

If you have a TSB current account:

Direct Debit

If you have the TSB mobile app you can log in, tap 'credit card account' then 'manage' then select 'set up or manage Direct Debit'. If the payment you've set up is less than the monthly minimum payment due, as shown on your statement, we will still have to take the minimum payment. Having trouble making payments? Visit our money worries support page.

Online if you have a TSB personal current account

Log in to Internet Banking or the TSB mobile app and select 'pay credit card'.

If you don't have a TSB current account, there are 5 ways to pay off your credit card balance:

Direct Debit

You can set up a Direct Debit to pay your monthly minimum payment, full statement balance, or a monthly fixed amount/percentage.

To do this, call Customer Services on 0345 603 0899 or chat to us in the TSB Mobile Banking App. Visit our Credit Card Payments page for more information.

If the payment you've set up is less than the monthly minimum payment due, as shown on your statement, we will still have to take the minimum payment. Having trouble making payments? Visit our money worries support page.

Alternative ways to set up a Direct Debit from a joint account

If you have the mobile app you can log in, tap 'credit card account' then 'manage' then select 'set up or manage Direct Debit'.

Alternatively, if you want to set up a Direct Debit from a joint account that requires two or more signatures, print the Direct Debit mandate and specify the amount you wish to pay – the monthly minimum payment, full statement balance, a monthly fixed amount, or fixed percentage – and post the form to:

Card Services, TSB Bank plc, PO Box 453, Mitcheldean, GL14 9LR

Online

If you're a customer of a different bank, log into your account and make a payment to TSB, by using account number 00000000 and quoting the 16-digit long number from your credit card.

• For long numbers beginning 540242 or 401066, it's sort code 30-28-94.

• All other cards, it's sort code 77-48-31.

Phone

Call your bank, quote TSB account number 00000000 and the 16-digit long number from your credit card.

• For long numbers beginning 540242 or 401066, it's sort code 30-28-94.

• All other cards, it's sort code 77-48-31.

Bank giro credit

Fill in the tear-off slip at the foot of your credit card statement and post it to your own bank. Or post it with a cheque to Card Services, TSB Bank plc, PO Box 453, Mitcheldean, GL14 9LR.

Cheque

Make it payable to TSB Bank plc followed by your 16-digit card number. Please also write your credit card number on the back of the cheque. Post it to Card Services, TSB Bank plc, PO Box 453, Mitcheldean, GL14 9LR. Cheques take around 7 working days to process.

By only paying the minimum amount you’ll pay more interest overall. It will also take longer to clear your balance. Paying a little bit more each month, when you can afford it, could make a big difference.

Yes. For security, we'll send your PIN and your card separately. When your card arrives you'll need to sign it before you can start using it.

Yes, you can use your credit card abroad wherever you see the Mastercard logo. A non-sterling transaction fee of 2.95% of the transaction value (in pounds) applies to all transactions when TSB converts a foreign currency into pounds.

A fee of 3% (minimum fee of £3) applies to all cash withdrawals. If you withdraw cash in a foreign currency and TSB converts the foreign currency into pounds, then both the cash withdrawal fee and the non-sterling transaction fee will apply.

Find out more about our current credit cards here.

A balance transfer is when you move the debt from one or more existing credit card to a single credit card with a lower interest rate.

The benefits of making a balance transfer are that you will typically pay back less interest and you will make payments to a single credit card account.

Read our balance transfer guide

You’ll need to make at least the minimum monthly payment when there’s a balance on your credit card.

Important things to know:

• Your minimum monthly payment is shown on your credit card statement each month.
• Your statement will also tell you the date you need to make that payment by.
• You can see all the ways to repay your credit card here.

If you don’t make the minimum payment, your account will go into arrears. This will affect your credit file and make it more difficult to borrow money in the future. You may also lose any promotional rates that apply to your account.

If you need to, you can change the date that your monthly payments are due to a date that suits you better. To do this, you can:

• Call us on 0345 835 3846, lines are open from 8am to 8pm, 7 days a week
• Or visit us in branch

Money worries?

If you’re struggling to manage your repayments or borrowing, please talk to us as soon as possible. Together we can find a way to best help you. Visit our Money Worries page to see what support is available.

Every statement will show the next date your minimum monthly payment needs to reach your account by. This is your payment due date.

Can I make more than one payment each month? Yes, as long as you pay at least the minimum monthly amount by the payment due date.

Any payments you make before your next statement will go towards repaying the outstanding balance on the last statement you received.

For example, if you owe £750 on a credit card with an interest rate of 24%

For more information on how your payments affect your balance, see FAQ ‘What happens if I don’t pay off the full balance?’

Yes. If you need to, you can change when your monthly payments are due to a date that suits you better. To do this, you can:

Use the TSB Mobile App

The fastest and easiest way is with the TSB Mobile App, here’s how:

1. Log into your account
2. Tap into your credit card account
3. Tap on ‘Manage’
4. Select ‘Change payment date’
5. Follow the instruction on screen

Other ways

• Call us on 0345 835 3846, lines are open from 8am to 8pm, 7 days a week
  
• Or visit us in branch

Whether you'll pay interest depends on the type of transaction you make and whether you pay your statement balance in full.

Purchases: If you pay the full balance shown on your current and previous statements by the payment due date, you won't usually pay interest on new purchases. This gives you an interest-free period of up to 56 days. If you don't pay your full balance, interest may be charged.

Balance transfers: If you've transferred a balance as part of a promotional offer, you won't pay interest during the promotional period. After this ends, your standard interest rate (APR) will apply.

Cash withdrawals: Interest is charged from the date you withdraw cash until you repay it in full. Cash withdrawal fees may also apply.

View our guide to 0% interest credit cards to learn more about how interest-free promotional offers work."

No, we don’t charge a fee if you go over your credit limit, or you don’t make your minimum payment.

It’s important to note that:

• Missing payments or exceeding your credit limit will affect your credit file and make it more difficult to borrow money in the future.
• You may lose any promotional rates that apply to your account.

Money worries?

If you’re struggling with repayments, or your borrowing is getting difficult to manage, don’t put off talking to us so we can understand how best to help you. Visit our Money Worries page for ways we can help you.