Buying something expensive or need a card for regular spending?
Our Platinum purchase card has 0% interest on purchases for up to 26 months and 0% on balance transfers for up to 18 months, then 24.9% APR representative (variable).
Why choose a purchase credit card?
Spread the cost
Instead of dipping into your savings, spread out the cost of large purchases.
Buy with confidence
Purchases are protected under Section 75 of the Consumer Credit Act.
Interest-free purchases
Having 0% interest on a purchase credit card can help reduce the cost of borrowing.
Apply for a platinum purchase credit card
What you’ll need to apply:
Details
Eligibility
No debts
Check your eligibility and apply
Existing customers can apply in the app
This is the quickest way to apply
If you’re a customer and are already logged in, we’ll auto-fill all your info
During the application, you'll see if you're pre-approved, and what your credit limt could be without affecting your credit score
Or apply online
Continue applying from your browser
You'll need a mobile phone or tablet that can scan a QR code and take a picture for our ID check
You’ll be able to see your likelihood of being accepted and what your credit limit would be without affecting your credit score
If you prefer to apply in branch or over a video call, you can book an appointment in advance.
Purchase credit card FAQs
A Purchase Credit Card lets you buy now and repay what you owe over time. When you make a purchase, you'll receive a monthly statement showing what you've spent and the minimum payment due each month. You can choose to repay more than the minimum if you want to reduce your balance sooner.
For more information about managing your repayments, read our guide to paying off credit cards.
A purchase rate is the interest rate that applies to purchases you make with your credit card. If your card includes a promotional 0% interest offer on purchases, your purchase rate will apply to any remaining balance once that offer ends. Your purchase rate will be shown in your credit card agreement.
Yes. You can use your Purchase Credit Card for everyday spending as well as larger planned purchases. Whether you're buying groceries, paying for home improvements or making a one-off purchase, it's important to stay within your credit limit and only borrow what you can comfortably afford to repay.
When your promotional 0% interest period ends, your standard purchase rate will apply to any remaining balance on your card. If you've already repaid your balance in full, you'll only pay interest on new purchases in line with the terms of your agreement. To learn more about promotional offers and what happens when they end, read our Guide to 0% Interest Credit Cards.
A Purchase Credit Card could be a good option if you're planning a larger purchase or want to spread the cost of everyday spending over time. If you're looking to reduce the interest you're paying on existing credit card debt instead, a Balance Transfer Credit Card may be a better option.
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.
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.
How this works:
| Credit Card statement, dated 1st July | You pay the full balance by the payment due date of 25th July. |
| Purchases | You spend £100.00 on 1st July, and a further £120.00 on 15th July |
| Credit Card statement, dated 1st August | You pay the full balance of £220 by the payment due date of 25th August. |
| Interest-free period | You will not pay any interest on these purchases.
|
| 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). | |
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?’
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.
- A variety of ways to manage your account: online, by phone through one of our UK based call centres, or at a TSB branch.
- Mastercard® SecureCode to help keep your details secure when shopping online.
- Active account monitoring to spot any suspicious spending.
- Overseas emergency telephone assistance if you lost your card abroad.
- Receive Overseas Alerts when your card has been used in a foreign country. To opt in, opt out and amend your settings, use this form: Update Your Overseas Alerts.
We use Docusign for this kind of request. Docusign will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.
There may be lots of different reasons you might need to bank with us differently, either in the short term, or on a continuing basis. It could be because of your physical or mental wellbeing, or because of a life event you’ve experienced. Whatever the reason, we are committed to tailoring our support to your personal needs.
If you choose to tell us about your individual support needs, we will take the time to understand your circumstances and work with you to make sure you have the support you need when banking with TSB. We can add a Support Indicator to your account, which means whenever you talk to us, we'll be aware that you may need tailored support.
Important information
The issue of a credit card is subject to status and depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.
Mastercard® and the Mastercard® Brand mark are registered trademarks of Mastercard® International Incorporated.
