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TSB Credit Cards

Low interest credit cards

Want a credit card with one, simple, low rate? Our Advance credit card is our lowest interest rate card at 12.9% APR representative (variable).
 



Representative example

Representative 12.9% APR (variable) Purchase rate 12.95% p.a. (variable). Based on borrowing £1,200 over 12 months. The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.



Low APR credit cards explained

  • Our lowest rate credit card at 12.9% APR, with 0% interest on purchases and balance transfers for the first three months.
  • Lending is subject to approval. The credit limit and interest rates you’re offered may vary based on your circumstances.
  • To keep your promotional rates, stay within your credit limit and make monthly payments on time.
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What is this low interest credit card good for?

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Unexpected costs

Low-rate cards are a useful way to cover costs you hadn’t planned for, like a broken washing machine.

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Purchase protection

Section 75 gives you extra protection on the things you buy with this credit card, costing £100 to £30,000.

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More ways to pay

Make fast, safe payments with your mobile by adding this credit card to your Apple, Google Pay or Samsung pay.

Representative example

Representative 12.9% APR (variable) Purchase rate 12.95% p.a. (variable). Based on borrowing £1,200 over 12 months. The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.



Our Advance credit card benefits

  • 0% interest on purchases and balance transfers for the first three months*
  • 0% balance transfer fee in the first 90 days, then 5% after that
  • Followed by a simple, low interest rate of just 12.9% APR
  • Pay through contactless, or set it up on AppleGoogle Pay or Samsung Pay
  • Priceless.com is available exclusively to Mastercard cardholders and provides access to unforgettable experiences and valuable everyday discounts in the cities where you live and travel
Illustration of three different TSB credit cards.

*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 an Advance credit card


What you need to apply

Details

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Your current address in the UK

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Details of any balance that you wish to transfer

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Your bank account number and sort code

Eligibility:

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You must be 18 or over

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A UK resident

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Have a regular income

Criteria:

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Not be currently declared bankrupt, have County Court Judgments or be subject to an individual voluntary agreement.


Check my eligibility and apply

Already a TSB customer?

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Not a customer?

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Apply online

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Give us a few details

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Complete in just minutes

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If you prefer to apply in branch or through a telephone, you can book an appointment in advance.



Any questions?

  • 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 the form below. We’ve chosen Adobe to support us with our digital processes by using their ‘Adobe Sign’ software. Adobe is a separate data controller from TSB, and any personal data you provide will be sent to Adobe and processed in accordance with their terms and conditions of service. You may wish to read their Adobe Terms of Use and Consumer Disclosure before using the following link. Update Your Overseas Alerts.

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

TSB adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Read more about our lending commitments to you (PDF, 56.8KB).

  1. Mastercard® SecureCode is a registered trade mark and is used under licence by TSB Bank plc,

  2. 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.