Whether you’re transferring a balance or looking to spread out the cost of purchases, we have a credit card for you.
Try our eligibility checker
Our longest ever 0% period for purchases
Compare credit cards
Platinum Purchase Card
Long 0% on Purchases and Balance transfers
Representative example
- Purchase rate 24.95% p.a. (variable)
- Representative 24.9% 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.
Platinum Balance Transfer Card
This is our longest 0% balance transfer deal.
Representative example
- Purchase rate 24.95% p.a. (variable)
- Representative 24.9% 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.
Advance Credit Card
Our lowest rate card for ongoing purchases.
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.
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.
Other ways to borrow
Personal loans
For new and existing customers
- Non-TSB customers can apply for loans from £1,000 to £25,000
- TSB current account customers can apply to borrow £300 to £50,000
- Get a quote in 2 minutes and you could have the money on the same day
Overdrafts
For existing current account customers
- Arranged overdrafts are for short-term borrowing, if you need it
- Only pay interest for using your overdraft. There’s no cost to set it up
- You can ask to increase, decrease, or cancel your overdraft at any time
Credit Card FAQs
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.
The right credit card depends on how you plan to use it. If you're looking for a lower ongoing interest rate for everyday spending, our Advance Credit Card could be a good option. If you're planning a large purchase and want to spread the cost, our Platinum Purchase Card may be more suitable. If you want to move existing credit card balances, consider our Platinum Balance Transfer Card.
You can also compare our credit cards to find the one that best suits your needs.
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.
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.
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."
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.
- Paying more than the minimum, if you can afford to, could help you pay off your balance sooner and reduce the amount of interest you pay.
Learn more about your repayment options in our guide on how to pay off a credit card.
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.
If you don’t pay your full statement balance, you may pay interest on the amount you still owe. How much interest you pay will depend on your interest rate and the type of transactions on your balance.
When you make a payment, we’ll use it to pay off the part of your balance with the highest interest rate first. We’ll then work through the rest of your balance, from the highest interest rate to the lowest.
No. We don’t charge a fee if you don't make your minimum payment by the due date, or go over your credit limit. But either could affect your credit file and make it harder to borrow in the future. You may also lose any promotional rates on your account.
If you need to, you can change the date that your monthly payments are due to a date that suits you better. See the FAQ 'Can I change my credit card payment due date?' for more information.
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.
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:
- Log into your account
- Tap into your credit card account
- Tap on ‘Manage’
- Select ‘Change payment date’
- 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
If you'd like to increase your credit limit, you can book an appointment in branch or call us to arrange one. We'll discuss your circumstances and review whether a credit limit increase is right for you. Any decision will depend on our assessment of your individual circumstances.
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.
Cash withdrawals are also subject to a 3% fee (minimum £3). If you withdraw cash in a foreign currency, both the cash withdrawal fee and the non-sterling transaction fee will apply.
Read our guide to using your cards abroad for more information on using your credit card overseas, including tips on fees and spending while you're away.
Need any help?
Chat with us
Use the TSB Mobile Banking App to get help with queries 24/7.
Give us a call
Lines open 8am - 8pm Monday to Sunday.
Visit us in branch
It’s easy for you to pop in and manage your finances.
Important information
The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.
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.
