Make the most of your M&S Credit Card

Learn how your M&S Credit Card makes spending, earning and rewarding yourself easier than ever

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Make the most of your credit card

If you’re already an M&S Credit Card customer, there are lots of benefits to enjoy

To get started, you’ll need to activate your card. You can then take advantage of all the benefits which include:

Millions of places worldwide to use your card, wherever you see the Mastercard logo
Up to 55 days interest free credit when you pay your balance in full and on time every month
Contactless payments^* so you won’t usually have to enter your PIN for goods under £100
Extra rewards if you have an additional cardholder as they’ll earn you Rewards Points^** every time they shop too
No cash advance fees on M&S Travel Money when you pay using your M&S Credit Card

Please note, when you pay using your card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.

Discover the convenience of digital banking

Why not register for digital b anking so that you can then check your balance, view transactions and see your statements online, whenever you want? With the M&S Banking App, you can also verify your online payments and pay your credit card bill using a debit card when you’re on the go.

Make the most of your rewards

Maximise your rewards and earn points to spend at M&S.

Find out more Find out more about rewards

Download our app today

To set up Digital Banking, you'll need our app.

If you're ready to start using the M&S Banking App, head to the App Store or Google Play store to download.

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To download on the App Store, click here

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Going on holiday?

Use your M&S Credit Card abroad wherever you see the Mastercard logo to maximise the points you earn.

When you pay using your card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.

Protect yourself from fraud

Keep track of your spending and be aware of any unusual activity on your account by setting up spend notifications. It’s just one of the ways M&S Bank can help you protect yourself from fraud.

Setting up a Direct Debit

Setting up a Direct Debit is a convenient and easy way to pay your M&S Credit Card account automatically each month and avoid missing payments.

Always forgetting your PIN

Download the M&S Banking App and use the PIN reminder service to access it quickly and securely any time.

* Before you make a contactless payment using your card for the first time, you’ll need to make a chip & PIN transaction. And if you use a digital wallet you may need to update your card details.

**M&S Rewards Points cannot be earned on cash advances/withdrawals, balance transfers, interest charges, M&S Travel Money, foreign currency purchases or M&S Rewards Vouchers.

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