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

Personal loans

As an M&S main cardholder we're offering you our lowest ever loan rate of 4.7% APR representative (for loans between £7,500 and £15,000 over 12 to 60 months). You must have an annual income of at least £10,000 and be aged 30 or over, or a homeowner aged 18 or over.

Find out more

Car insurance

M&S Cardholders could save up to 15% when taking out a new policy, or renewing existing cover. The main cardholder must be a named driver on the policy with an 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, instalment fees and/or 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.

Home insurance

M&S Cardholders receive 1,000 M&S points for new policies (not available to customers renewing their existing cover).*

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 M&S points when you take 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. Applies to new policies only. Offer detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Offer not available to customers renewing or amending an existing policy. Offer is not open to customers buying from price comparison websites. 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.

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M&S Premium Current Accounts

Personal loans

As a holder of one of the M&S Premium Current Accounts we're offering you our lowest ever loan rate of 4.7% APR representative (for loans between £7,500 and £15,000 over 12 to 60 months). You must have an annual income of at least £10,000 and be aged 30 or over, or a homeowner aged 18 or over.

Find out more

M&S 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

Customers of the M&S Premium Current Accounts can enjoy exclusive access to our Monthly Saver with a fixed rate of 6.00% 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.

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 1 July 2013. Interest is calculated daily and credited annually at the end of the 12 month term.

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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 27/01/2014.

Find out more

Car insurance

As a holder of one of the M&S Premium Current Accounts you could save up to 15% when taking out a new policy, or renewing existing cover. The main cardholder must be a named driver on the policy with an 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, instalment fees and/or 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.

Home insurance

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

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 M&S points when you take 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. Applies to new policies only. Offer detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Offer not available to customers renewing or amending an existing policy. Offer is not open to customers buying from price comparison websites. Loyalty points are only available when the main cardholder is the policyholder.