Support and information can be found on our Covid-19 support page.

To help support you at peak times, we have updated our telephony opening times, please only call if it is urgent, so we can help those most in need. Please view our contact us page for our current opening times.

We’re introducing an NHS and emergency services banking hour, from 6-7pm every day. We’d ask that customers avoid calling us for their routine banking needs during this time.

M&S Premium Club

Be part of something special - Enjoy more from M&S with your M&S Credit Card

  • Get 1,000 M&S points worth £10 when you join
  • Hot drinks vouchers worth £132 a year
  • Triple points for every £1 you spend at M&SFootnote 1*
  • Quarterly treats and delights vouchers worth £45
  • Vouchers worth £40 to spend on clothing and home every year

For just £10 a month

We are temporarily unable to process new Premium Club applications. If you are an existing Premium Club member and have a question regarding your vouchers, please visit our Coronavirus advice page.

Currently unavailable For the M&S Premium Club

£10 M&S reward vouchers are equivalent to 1,000 bonus points. These points are converted into M&S reward vouchers. Bonus points will be added to your M&S account within 6 weeks of your application being accepted. Please refer to the £10 M&S Reward Voucher Terms and Conditions for further information.

Features and benefits

Triple points

Earn three points for every £1 you spend at M&S on your M&S Credit Card and one point for every £5 you spend elsewhereFootnote 1*. View the rewards for more details.

48 hot drinks vouchers worth £132

You'll never need an excuse to treat yourself to an indulgent mid-shop coffee stop in the M&S Café with 48 hot drinks vouchers per year. Your vouchers will arrive in the post every three months.

Treats and delights

Quarterly treats and delights vouchers worth £45

A birthday gift

Your birthday should always be a real highlight - so we'll send you a special treat worth at least £10 to help you celebrate e.g. afternoon tea for two.

Exclusive rewards

Vouchers worth £40 to spend in store on clothing and home every year.

Join Premium Club

Don't have an M&S Credit Card?

You can apply for one of our M&S Credit Card offers today and then join Premium Club.

Representative 19.9% APR variable

Credit is subject to status. T&Cs apply.

Learn more about M&S Premium Club

M&S Premium Club is subject to status and account conduct. You must be the main M&S Credit Card account holder to join. M&S Premium Club is automatically renewed monthly.

The M&S Premium Club fee will initially be charged to your M&S Credit Card account on the day that you agree to join M&S Premium Club and then on the same date each month thereafter.

Footnote 1* [1]If you're an M&S Credit Card customer you'll earn 1 point for each £1 spent in M&S. As an M&S Premium Club customer you'll earn an additional 2 points for each £1 spent in M&S (total of 3 points). As an M&S Premium Club and M&S Credit Card Reward Plus customer (still within your introductory period) you will earn 2 points for each £1 spent as an M&S Credit Card Reward Plus customer, along with an additional 2 points as an M&S Premium Club customer (total of 4 points for each £1 spent). At the end of your introductory period you will revert to earning 3 points for every £1 spent in M&S as standard for M&S Premium Club customers.