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.
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.
Try our eligibility checkerOur eligibility checker makes it quick and easy to see if you're likely to be accepted without affecting your credit score.
Platinum Balance Transfer Card
This is our longest 0% balance transfer deal.
Platinum Balance Transfer Card." />
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 24.95% p.a. (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 Purchase Card
This is our all-rounder card.
0% interest for up to 12 months on balance transfers within the first 90 days of account opening (2.95% fee)
0% interest for up to 12 months on purchases, then 24.95% p.a. (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.
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)
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.
Student Credit Card
This is our card for students.
Exclusively available to TSB Student Current Account holders over 18
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.
If you’re struggling with your current financial situation, we can help.
Book an appointment to discuss your credit card limit. Or you can call us to book an appointment.
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.
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.
You will not pay any interest on these 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?’
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.
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.
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.
To understand how your payments reduce your credit card balance, see the FAQ ‘ What happens if I don’t pay off the full balance?’
