Full product details for the M&S Credit Card, including card details, application criteria, introductory rates, standard rates, benefits, fees & charges and business credit cards.
from 84 ratings
84 customers rated their M&S credit card as 4.2 out of 5 in our 2010/2011 Consumer Finance Awards.
The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Intro Purchase Rate
0%
0.0% APR during introductory period.
Intro Purchase Duration
15 months
Introductory purchase rate applies for 15 months.
Minimum Age
18 years
Minimum age for applicants is 18 years.
Minimum Income
£0
There is no minimum income required.
Annual Fee
£0
There is no annual fee.
Representative APR
15.9%
Representative APR is 15.9%.
Cashback & Rewards Credit Card
yes
International Charges
2.99%
Transactions made in foreign currencies within Europe are charged a 2.99% fee.
Air Miles
no
There is no travel reward programme available.
Application Criteria
Permanent UK Resident
yes
This product is only available to individuals who are permanent UK residents.
Existing Customers Only
no
Minimum Age
18 years
Minimum age for applicants is 18 years.
Minimum Income
£0
There is no minimum income required.
Credit Rating
good
Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.
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