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Existing cardholder offers

Being an M&S Cardholder means that you'll receive exclusive offers and rewards across many of our products. It's our way of thanking you for your loyalty. Choose which product you have and take a look at what offers could be available to you.

All of our current offers are listed here. However, we'll also tell you about new offers by post, email and when you register with Internet Banking.

M&S Credit Card

Car insurance

M&S Cardholders could save up to 20% when taking out a new policy, or renewing existing cover. 93% of cardholders qualified for a discount between January 2015 and May 2015 with 32% qualifying for a 20% discount. The main cardholder must be a named driver on the policy with their address matching the motor policy address. Offer does not apply to amendments to existing policies. The discount will be applied automatically to the net premium only, excluding any add-on products and charges, so the price presented at the end of the quote will be inclusive of the discount.

Plus, earn 1,000 M&S points for new policies (not available to customers renewing their cover).

We've carefully selected BISL Limited to arrange and administer this quality car insurance using a panel of insurers.

Find out more

Car insurance is not available to residents of the Channel Islands or the Isle of Man.

Lines are open 8am-9pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 9am-5pm bank holidays. Calls may be recorded for our mutual security, training and monitoring purposes.

Home insurance

M&S Cardholders receive 4,000 M&S points for taking out a new premier home insurance policy with us or 2,000 M&S points for a standard policy (not available to customers renewing or amending their existing cover).*

To qualify, your policy must be based on a home insurance quote obtained by 30 November 2015 and taken out within the validity period of that quote.

We carefully selected AXA Insurance UK plc to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.

Find out more

Pet insurance

M&S Cardholders receive 250 points when taking out a new policy (excludes renewals and amendments to existing policies)*.

M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. 

Find out more

*M&S Loyalty Scheme subject to terms and conditions. We reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent loyalty mailing. Offers detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Points will not be issued for closed or cancelled policies. Loyalty points are only available when the main cardholder is the policyholder.

Travel money

Exclusive rates on M&S Travel Money for M&S Cardholders who pay for their currency using their M&S Card.

Buy M&S Travel Money using your M&S Credit Card or Chargecard and you won’t be charged a cash advance fee, plus you’ll get up to 55 days’ interest-free credit if you pay your statement in full by the due date – just like other card purchases. Order online or over the phone using your M&S Credit Card or Chargecard. Free home delivery for orders of between £500 and £2,500 made on your M&S Credit Card or Chargecard. Minimum order value £100. Delivery fee £5 for orders under £500. Order before 1pm for next working day delivery.

Please read our terms and conditions.

Find out more

M&S Current Account

Travel money

Exclusive rates on M&S Travel Money for M&S Cardholders who pay for their currency using their M&S Card.

M&S Debit Cardholders can buy currency in any of our M&S Bureaux de Change.

Find out more

Monthly Saver

Our current account holders can enjoy access to our Monthly Saver with a fixed rate of 6% AER gross.

You can save between £25 and £250 every month for 12 months. Which means that, if you pay in the maximum monthly contribution of £250 on the same date each month, for 12 months, you could earn gross interest of around £96. If you don't save the full amount in any given month you can carry your allowance over to the following months. Monthly payments are made by standing order from your current account.

If you need access to your money, it means closing your account early. If this happens, you will lose the Monthly Saver interest rate and interest will be paid at the early closure rate advised to you at Monthly Saver account opening. The early closure rate will be applied from account opening.

M&S Monthly Saver is not available to residents of the Channel Islands or the Isle of Man.

AER is the annual equivalent rate. This is the interest you would receive if interest was paid and added to your savings on an annual basis. Gross means the interest rate before the deduction of tax applicable to interest on savings. Interest rates correct as at 8 January 2015. Interest is calculated daily and credited annually at the end of the 12 month term.

Find out more

Everyday Savings Account

M&S Current Account customers can save from as little as £1 with a preferential interest rate of 0.75% AER/Gross variable in the M&S Everyday Savings Account. Standard interest rate 0.35% AER/gross variable. If your M&S Current Account is closed you will revert to the standard variable interest rate.

AER is the annual equivalent rate and illustrates what the rate of interest would be if interest was paid and compounded on an annual basis. Gross means the rate of interest before the deduction of tax applicable to interest on savings. Interest will be credited to your account monthly. Variable interest rates correct as at 17/02/2015.

Find out more

Car insurance

M&S Cardholders could save up to 20% when taking out a new policy, or renewing existing cover. 93% of cardholders qualified for a discount between January 2015 and May 2015 with 32% qualifying for a 20% discount. The main cardholder must be a named driver on the policy with their address matching the motor policy address. Offer does not apply to amendments to existing policies. The discount will be applied automatically to the net premium only, excluding any add-on products and charges, so the price presented at the end of the quote will be inclusive of the discount.

Plus, earn 1,000 M&S points for new policies (not available to customers renewing their cover).

We've carefully selected BISL to arrange and administer this quality car insurance using a panel of insurers.

Find out more

Car insurance is not available to residents of the Channel Islands or the Isle of Man.

Lines are open 8am-9pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 9am-5pm bank holidays. Calls may be recorded for our mutual security, training and monitoring purposes.

Home insurance

M&S Cardholders receive 4,000 M&S points for taking out a new premier home insurance policy with us or 2,000 M&S points for a standard policy (not available to customers renewing or amending their existing cover).*

To qualify, your policy must be based on a home insurance quote obtained by 30 November 2015 and taken out within the validity period of that quote.

We carefully selected AXA Insurance UK plc to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.

Find out more

Pet insurance

M&S Cardholders receive 250 points when taking out a new policy (excludes renewals and amendments to existing policies)*.

M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. 

Find out more

*M&S Loyalty Scheme subject to terms and conditions. We reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent loyalty mailing. Offers detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Points will not be issued for closed or cancelled policies. Loyalty points are only available when the main cardholder is the policyholder.

M&S Premium Current Accounts

Travel money

Exclusive rates on M&S Travel Money for M&S Cardholders who pay for their currency using their M&S Card.

M&S Debit Cardholders can buy currency in any of our M&S Bureaux de Change.

Find out more

Monthly Saver

Our current account holders can enjoy access to our Monthly Saver with a fixed rate of 6% AER gross.

You can save between £25 and £250 every month for 12 months. Which means that, if you pay in the maximum monthly contribution of £250 on the same date each month, for 12 months, you could earn gross interest of around £96. If you don't save the full amount in any given month you can carry your allowance over to the following months. Monthly payments are made by standing order from your current account.

If you need access to your money, it means closing your account early. If this happens, you will lose the Monthly Saver interest rate and interest will be paid at the early closure rate advised to you at Monthly Saver account opening. The early closure rate will be applied from account opening.

M&S Monthly Saver is not available to residents of the Channel Islands or the Isle of Man.

AER is the annual equivalent rate. This is the interest you would receive if interest was paid and added to your savings on an annual basis. Gross means the interest rate before the deduction of tax applicable to interest on savings. Interest rates correct as at 8 January 2015. Interest is calculated daily and credited annually at the end of the 12 month term.

Find out more

Everyday Savings Account

M&S Premium Current Account and M&S Premium Current Account with insurance customers can save from as little as £1 with a preferential interest rate of 0.75% AER/Gross variable in the M&S Everyday Savings Account. Standard interest rate 0.35% AER/gross variable. If your M&S Premium Current Account or M&S Premium Current Account with insurance is closed you will revert to the standard variable interest rate.

AER is the annual equivalent rate and illustrates what the rate of interest would be if interest was paid and compounded on an annual basis. Gross means the rate of interest before the deduction of tax applicable to interest on savings. Interest will be credited to your account monthly. Variable interest rates correct as at 17/02/2015.

Find out more

Car insurance

M&S Cardholders could save up to 20% when taking out a new policy, or renewing existing cover. 93% of cardholders qualified for a discount between January 2015 and May 2015 with 32% qualifying for a 20% discount. The main cardholder must be a named driver on the policy with their address matching the motor policy address. Offer does not apply to amendments to existing policies. The discount will be applied automatically to the net premium only, excluding any add-on products and charges, so the price presented at the end of the quote will be inclusive of the discount.

Plus, earn 1,000 M&S points for new policies (not available to customers renewing their cover).

We've carefully selected BISL to arrange and administer this quality car insurance using a panel of insurers.

Find out more

Car insurance is not available to residents of the Channel Islands or the Isle of Man.

Lines are open 8am-9pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 9am-5pm bank holidays. Calls may be recorded for our mutual security, training and monitoring purposes.

Home insurance

M&S Cardholders receive 4,000 M&S points for taking out a new premier home insurance policy with us or 2,000 M&S points for a standard policy (not available to customers renewing or amending their existing cover).*

To qualify, your policy must be based on a home insurance quote obtained by 30 November 2015 and taken out within the validity period of that quote.

We carefully selected AXA Insurance UK plc to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.

Find out more

Pet insurance

M&S Cardholders receive 250 points when taking out a new policy (excludes renewals and amendments to existing policies)*.

M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. 

Find out more

*M&S Loyalty Scheme subject to terms and conditions. We reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent loyalty mailing. Offers detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Points will not be issued for closed or cancelled policies. Loyalty points are only available when the main cardholder is the policyholder.