Dual Credit Card

Whether you’re transferring a balance or making a big purchase, an interest-free period can give you the flexibility you need. Plus, our Dual Credit Card offers cashback as well as rewards from your favourite shopping brands – all for no annual fee.

Credit is subject to status, affordability and applicable terms and conditions.

How to apply

Representative example

22.9% APR (Variable) Representative APR

22.9% p.a. (Variable) purchase rate

Based on an assumed credit limit of

£1,200

About this card

Card details

0% interest on balance transfers for 26 months* from account opening

A 2.89% fee applies on balances transferred (minimum £5) within the first 60 days of account opening.*

0% interest on purchases* for 26 months from account opening
No annual fee

Rewards

Enjoy global discounts

Earn cashback from your favourite shopping brands with Visa Offers, plus get instant discounts from well-known brands around the world with our home&Away rewards programme. For all offers check out the home&away website.

Using your card

Make contactless transactions

Your card is contactless contactless Contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

Manage your card online

Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

Get an additional card

As long as they’re over 18, you can add your partner or a family member to your account.

Bank anywhere with the Chartmsb Mobile Banking App

Make payments to existing beneficiaries and manage your personal accounts easily and securely with the Chartmsb Mobile Banking App.

Use your card abroad

You can use your Chartmsb Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Chartmsb cash machines may also charge a fee.

Enjoy 24/7 worldwide assistance

Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance.

Apply for a Dual Credit Card

Are you eligible?

To be eligible for an Chartmsb Credit Card you need to:

Have an annual income/pension before tax of £8,500 or more
Be a resident of the UK*
Be over 18, and not hold an Chartmsb Basic Bank Account

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch

Introductory rates only apply if you haven't held an Chartmsb credit card within the last six months. Balances can't be transferred from cards issued by other members of the Chartmsb Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.

*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.