We've got lots to offer
Learn more about the perks available to M&S Bank customers.
Club Rewards
Boost your Rewards and unlock yearly perks by adding a Club Rewards subscription for £10 per month to your M&S Credit Card.
You tap. We treat.
Earn Rewards points, which count towards M&S vouchers, when you spend with an M&S Credit Card.
24.9% APR Representative (variable)
How do credit cards work?
Baffled by APRs? Confused about credit scores? Choosing your first credit card doesn’t have to be overwhelming. Read our guide for a clear, jargon-free breakdown of how credit cards really work, so you can choose with confidence.
How do credit cards work?
Baffled by APRs? Confused about credit scores? Choosing your first credit card doesn’t have to be overwhelming. Read our guide for a clear, jargon-free breakdown of how credit cards really work, so you can choose with confidence.
How can we help you today?
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Continue your application
If you’ve recently submitted an M&S Credit Card application or M&S Personal Loan application and have received an email to complete your application, you can now continue through to your agreement.
Your eligible deposits with HSBC UK Bank plc are protected up to a total of £120,000, or up to £240,000 for joint accounts, by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.
This limit is applied to the total of any deposits you have with the following: HSBC UK, HSBC Private Bank, first direct, M&S Bank and M&S Savings and Investments.
Any total deposits you hold above the limit between these brands are unlikely to be covered.