Want a credit card with one simple low rate for your purchases? Our Advance credit card is our lowest interest rate card at 12.9% APR representative (variable).
What is this low interest credit card good for?
Unexpected costs
Low-rate cards are a useful way to cover costs you hadn’t planned for, like a broken washing machine.
Protection on your purchases
Section 75 gives you extra protection on purchases from £100 to £30,000.
Spread the cost
Our low interest advance card lets you spread the cost of your purchases over time and pay interest at a consistently low rate. Add the card to Apple or Google pay for quick and easy payments.
*Purchases exclude cash advances transactions and payment protection premiums.
**Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account. 3% balance transfer fee applies and interest is charged on this fee. If you don’t pay off your balance in full, any payment you make will pay off transactions charging the highest interest rate first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges.
Apply for a low interest 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
See your likelihood of being accepted and what your credit limit would be without affecting your credit score
Or apply online
Continue applying from your browser
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’d rather apply in branch or over the phone you can book an appointment.
Any questions?
Low APR and Low interest Credit cards may be used for purchases or to transfer balances you have on other credit cards to consolidate your payments making them more manageable.
- 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
Mastercard® SecureCode is a registered trade mark and is used under licence by TSB Bank plc,
- Mastercard® and the Mastercard® Brand mark are registered trademarks of Mastercard® International Incorporated
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.
