Credit cards

Whether you’re transferring a balance, looking to spread out the cost of purchases , or need extra flexibility while studying, we have a credit card for you.

View credit cards

What you get from all TSB credit cards

Keep track of your spending

Check your balance and make payments via the app and online.

Take your credit card abroad

Use your card wherever you see the Mastercard logo. Fees apply.

Our fraud refund guarantee

Our credit cards are protected by the fraud refund guarantee. T&Cs apply.

Platinum Balance Transfer Card

This is our longest 0% balance transfer deal.

0% interest for up to 24 months on balance transfers within the first 90 days of account opening (2.95% fee)

0% interest for up to 3 months on purchases, then 22.95% p.a. (variable)

Representative example

Purchase rate 22.95% p.a. (variable)

Representative 22.9% APR (variable)

Based on borrowing £1,200 over 12 months. Credit limits, promotional periods and interest rates will vary based on your individual circumstances.

To remain eligible for promotional rates you must stay within your credit limit and make your payments on time each month.

Find out more

Platinum Purchase Card

This is our all-rounder card.

0% interest for up to 15 months on balance transfers within the first 90 days of account opening (1.45% fee)

0% interest for up to 15 months on purchases, then 22.95% p.a. (variable)

Representative example

Purchase rate 22.95% p.a. (variable)

Representative 22.9% APR (variable)

Based on borrowing £1,200 over 12 months. Credit limits, promotional periods and interest rates will vary based on your individual circumstances.

To remain eligible for promotional rates you must stay within your credit limit and make your payments on time each month.

Find out more

Advance Credit Card

Our lowest rate card for ongoing purchases.

0% interest for 3 months on balance transfers within the first 90 days of account opening (0% fee)

0% interest for 3 months on purchases, then 12.95% p.a. (variable)

Representative example

Purchase rate 12.95% p.a. (variable)

Representative 12.9% APR (variable)

Based on borrowing £1,200 over 12 months. Credit limits, promotional periods and interest rates will vary based on your individual circumstances.

To remain eligible for promotional rates you must stay within your credit limit and make your payments on time each month.

Find out more

Student
How to open

Student Credit Card

This is our card for students.

Exclusively available to TSB Student Current Account holders over 18

0% interest for 27 months on balance transfer within the first 90 days (2.95%)

0% interest for 3 months on purchases, then 21.95% p.a. (2.95% variable)

Representative Example

Based on borrowing £1,200 over 12 months

Purchase rate 21.95% p.a. (variable)

Representative 21.9% p.a. (variable)

Find out more

How to open a TSB Student Credit Card

If you're at college or university and have had a TSB Student Current Account for at least the last three months, our Student Credit Card could give you that extra flexibility when you need it most.

What you get from a TSB Student Current Account

5% AER / 4.89% gross variable interest on balances up to £500, paid monthly
Up to £1,500 overdraft interest free. Subject to application and approval

Find out more

Improve your credit score

Understanding your credit score can improve your chance of being accepted for credit when you need it.

Credit card purchase protection

Certain purchases are protected by Section 75 of the Consumer Credit Act when you use your TSB credit card.

Money worries

If you’re struggling with your current financial situation, we can help.

Credit Card FAQs

How do I increase my credit limit?

Please give us a call to discuss your credit card limit. You can find our contact details here.

When my card arrives, can I start using it straight away?

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.

Can I use my credit card abroad?

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.

What is a credit card balance transfer?

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.

What is the interest-free period of up to 56 days on purchases?

If you pay the full balance shown on your previous and current statements on time, you won’t be charged interest on any new purchases. This could give you an interest-free period of up to 56 days.

This only applies to purchases that are shown on your current statement. It does not apply balance transfers or cash withdrawals.

How this works:

Credit Card statement, dated 1^st July	You pay the full balance by the payment due date of 25^th July.
Purchases	You spend £100.00 on 1^st July, and a further £120.00 on 15^th July
Credit Card statement, dated 1^st August	You pay the full balance of £220 by the payment due sate of 25^th August.
Interest-free period	You will not pay any interest on these purchases. For the purchases made on 1^st July, you’ll have had an interest free period from the purchase date to 25^th August (56 days). For the purchases made on 15^th July, you’ll have had an interest free period from the purchase date to 25^th August (42 days).
This example assumes a minimum payment of 1% of the balance + interest (if you opened your account on or after 31 March 2011, that’s your minimum payment. For accounts opened before that, it’s 2% of the balance or 0.5% + interest, whichever is the greater).

What’s the difference between this and the 0% introductory offer on purchases?

Some of our credit cards have an introductory 0% interest offer that starts when you open your account. During this time, you won’t pay interest on purchases you make, even if you don’t repay the full amount each month. It is important to note that if you use your card for any balance transfers or cash withdrawals, you would still pay interest on those transactions during the 0% interest period for purchases.

When your introductory period ends, you can still get up to 56 days’ interest-free on new purchases when you pay off the full balance from your previous and current statements each month. This applies to all TSB credit cards.

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

What happens if I’ve made a balance transfer and also make purchases using my card?

You’ll pay interest on any purchases from the date they’re added to your account until the date you pay them back in full. The exception to this is our credit cards with a 0% interest offer on purchases.

I have a Balance Transfer and I’ve paid back all my purchases. Do I get the 56 days’ interest-free period on them?

No. You can only get the 56 days’ interest-free period on new purchases if you repay the full balance shown on your current and previous statement. This means you’d need to pay back the full amount of your balance transfer, as well as all the other transactions on your statement, to benefit from this interest-free period.

Credit Card statement, dated 1^st July	You pay the £50.00 of a £1,000 balance transfer by the payment due date of 25^th July.
Purchases	You spend £200.00 on 15^th July.
Credit Card statement, dated 1^st August	You pay £200.00 by the payment due date of 25^th August.
Interest-free period	You won’t be able to take advantage of the interest-free period for this purchase as you have not paid the outstanding balance (the balance transfer) in full. Your £200.00 payment will be applied to your outstanding balance first, even if this is a balance transfer at a promotional rate. You’ll pay interest on purchases until the outstanding balance has been paid in full.
This example assumes a minimum payment of 1% of the balance + interest (if you opened your account on or after 31 March 2011, that’s your minimum payment. For accounts opened before that, it’s 2% of the balance or 0.5% + interest, whichever is the greater).

To understand how your payments reduce your credit card balance, see the FAQ ‘ What happens if I don’t pay off the full balance?’

How much do I need to pay each month?

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.

What if I only pay the minimum payment amount each month?

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.

For example, if you owe £3000 on a credit card with an interest rate of 24%
Minimum payment Starting at £85 a month and reducing over time. It’ll take you 28 years and 4 months to pay it off and cost you £5,25 in interest. A total cost of £8215 Most expensive option	Fixed payment At £85 a month. It’ll take you 4 years and 9 months to pay it off and cost you £1,824 in interest. A total cost of £4,824 You’ll save £3,391	Increased payment At £100 a month It’ll take you 3 years and 8 months to pay it off and cost you £1,365 in interest. A total cost of £4,365 You’ll save £3,850
These examples are taken from UK Finance’s free calculator and assume that you don’t spend any more on your card or have any fees and charges. They also assume a minimum payment of 1% + interest (if you opened your account on or after 31 March 2011, that’s your minimum payment. For accounts opened before that, it’s 2% of the balance or 0.5% + interest, whichever is the greater).
See how changing your payments could help. Check your latest statement for your balance and interest rates. Credit card calculator

What happens if I don’t make the minimum monthly payment by the payment due date?

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.

When do I need to make my monthly payment by?

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%

Credit Card statement, dated 1^st July	Your balance is £750.00 with a minimum payment of £27.00 to reach your account by 25^th July.
Payments	You pay £17.00 on 5^th July. You pay £10.00 on 15^th July. These 2 payments total the minimum payment due and have reached your account before the payment due date. You pay a further £50.00 on 26^th July, after the minimum payment due date and before your next statement is produced. This payment will be used to repay more of the £750 balance on your Credit Card statement, reducing the amount of interest you’ll pay overall and clearing your balance more quickly.
This example assumes a minimum payment of 1% of the balance + interest (if you opened your account on or after 31 March 2011, that’s your minimum payment. For accounts opened before that, it’s 2% of the balance or 0.5% + interest, whichever is the greater).

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

What happens if I don’t pay off the full balance?

If you don't pay the full balance on your statement, any payments you’ve made will repay the part of your debt with the highest interest rate first. If the payment covers all your highest interest debt, it’ll then pay the part of the balance with the next highest interest rate. This continues until it pays off the part of your balance with the lowest interest rate.

What if the outstanding balance includes multiple balance transfers with the same interest rate?

In this case, you’ll pay off the oldest balance transfer first and continue until you’re paying off the one added to your account most recently.

See section 6.1 of the terms and conditions for full details.

Can I change my payment due date?

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:

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

When do you start charging interest?

Purchases

You won’t be charged interest on new purchases when you pay the full balance shown on your previous and current statement on time.

If you don’t make the full payment, interest is charged from the date the purchase is debited to your account until it’s paid in full.

Cash withdrawals

Interest is always charged on cash withdrawals from the date the withdrawal is debited to your account until it’s paid in full.

Balance transfers

If you have a promotional offer for balance transfers, you won’t be charged interest on this balance during that offer period.

If you don’t have a promotional offer, interest is charged from the date the balance transfer is debited to your account until it’s paid in full.

If your promotional offer has ended, interest is charged from the day after the promotional rate expires until your balance is paid in full.

Is there a fee if I go over my credit limit or miss a payment?

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. and
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.