tickComparing UK 0% credit cards online since 2002
tickEvery 0% credit card currently available online
tick0% credit card deals and offers are updated daily

Credit Card Application

Many customers have questions about the credit card application process in the UK.

The deals and offers for credit cards in the UK, are constantly changing. The banks and credit card providers in the UK, change their 0% deals and offers regularly, to attract new customers.

Many UK card customers will have made a credit card application before. However, a number of the UK credit card companies have changed their application process, over the last few years.

Online Credit Card Application

Credit Card Application

Historically, a customer looking for a new credit card in the UK, would either have applied in person, in a bank branch, or filled in a paper form they had received through the mail.

Today however, most credit card applications are now made online. Making an online credit card application is both faster and simpler, for both the customer, and also the credit card company.

Customers can now complete their credit card application online and submit their application at any time, day or night.

A number of the UK credit card companies will now allow customers to do an eligibility check before the application. This “soft check” will show you if you are likely to be accepted for the card. The eligibility check also does not impact on your credit report.

Some, but not all, UK cards are instant approval credit cards. These cards can provide the customer with an answer, on whether they have been accepted for the card, right away.

Apply For Credit Card UK

What are the eligibility criteria you need to meet to apply for a UK credit card? What information is needed when you apply for a credit card in the UK?

To apply for any credit card in the UK, a customer needs to be at least 18 years old and resident in the UK.

The different card companies do have slightly differing eligibility criteria. In general customers will also need to have a good credit history, with no recent missed payments. Having a steady income, and low levels of other borrowing will also help your chance of an approved application.

Your personal financial circumstances and your credit history will determine the size of your credit limit. Some customers may get a credit card with a 5000 limit, others a lower, or higher limit. However, credit cards with high limits are generally more difficult to get now, than they were in previous years.

When you apply for a credit card in the UK, the information you will need to complete the online application form, includes the following:-

  • Details of your current address, and previous address if you moved within the last 3 years
  • Details about your current employment and your annual income
  • The account number and sort code of your bank or building society current account
  • The card number and the amount, if you want to make a balance transfer from another card

You can make a credit card application online for all of the following popular featured cards:-


0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 15 months
Balance Transfer Fee:
1.45%
Purchases:
0% for up to 15 months
Representative APR:
21.9% APR (variable)

Credit Card Details

TSB Platinum Purchase Credit Card
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 15 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None

Application Criteria

TSB Platinum Purchase Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

How Long Does A Credit Card Application Take

Most customers who apply online should take no longer than 5 to 10 minutes to complete the application form.

Some card companies are able to give the customer an instant answer at the end of the application process. This will let the customer know whether they have been accepted for the card. In other cases, the card company may need to carry out further checks, or ask for additional information.

How long does it take for for a credit card to arrive? In most cases the customer should have their new card delivered to their address, and ready to use, within 5 to 10 days of making the application.

UK credit cards are available from a number of different card companies and banks. Most UK card companies, including the M & S credit card, use the Mastercard payment network. A few use the Visa payment network. Millions of locations around the world, including shops, petrol stations, restaurants and hotels accept both Visa and Mastercard credit cards.


Related Content From 0% Credit Card Expert:-


Published: August 25, 2021, Updated: September 28, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily