Rewards

Collect points that let you treat yourself in M&S

As an M&S Bank cardholder you’ll collect M&S points when you shop and 4 times a year your points will be converted into M&S reward vouchers and sent to you by post.

It’s the easy way to treat yourself a little more often to the things you love at M&S whether that is updating your wardrobe or saving up for a bigger purchase, like a sofa, because your reward vouchers are valid for 15 months.

M&S Credit Card

  • Spend £1 in M&S = one point
  • Spend £5 elsewhere = one point

If you’ve chosen the M&S Credit Card Reward Plus offer in your first year you’ll receive:

  • Spend £1 in M&S = two points
  • Spend £5 elsewhere = one point

After your first year, you’ll receive one point per £1 in M&S.

Representative 21.9% APR variable.

M&S Credit Card with M&S Premium Current Account

When you spend on your M&S Credit Card and you have an M&S Premium Current Account you’ll receive:

  • Spend £1 in M&S = three point
  • Spend £5 elsewhere = one point

If you’ve chosen the M&S Credit Card Reward Plus offer, in your first year you’ll receive:

  • Spend £1 in M&S = four points
  • Spend £5 elsewhere = one point

Representative 21.9% APR variable

M&S Premium Club

  • Spend £1 in M&S using your M&S Credit Card = three points

M&S Credit Card Reward Plus offer customers who take out M&S Premium Club will receive:

  • Spend £1 in M&S = four points
    During the 12 months M&S Credit Card Reward Plus offer period
  • Spend £5 elsewhere = one point

Representative 21.9% APR variable.

M&S Current Account or M&S Premium Current Account (debit card)

Spend £1 in M&S = one point

100 points is equal to £1

Providing you have over 200 points, your quarterly total will be converted into vouchers and sent to you in February, May, August and November.

Our current accounts are subject to eligibility criteria. M&S Current Account has no monthly fee. M&S Premium Current Account is £10 a month. M&S Premium Current Account with insurance is £20 a month with an initial fixed term of 12 months. The Premium Current Accounts are automatically renewed monthly. Terms and conditions apply.

Please note, M&S Premium Current Account and M&S Premium Current Account with insurance are no longer available to new customers.

M&S Rewards Calculator

Use our rewards calculator to see how quickly your points can add up. Slide the markers to see how much you'll receive each year in reward vouchers when you use your M&S Credit Card.


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Important documents

M&S Loyalty terms and conditions(PDF document)(opens in a new window)

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