Before you apply
What you'll be asked for
During your application we will need your:
Residential address
Employment history
Income (please ensure this reflects any impact directly or
indirectly, from Covid-19). View eligible income. 
Email address
The account number and sort code of your bank or building
society
Your previous address, if you've lived at your current address
for less than 3 years
Important information
Please read the following information:
Change in circumstances
If you foresee any changes in your circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker please contact us on 0800 997 996 to discuss further before starting your application online.
Credit and interest rates
Credit is subject to status. The rate we offer will depend on our assessment of your circumstances.
Checking your details
When we check your details with a credit reference agency, a search/enquiry is registered to say that you've applied for credit today. As part of our checks, we link your name with individuals associated with you financially, and any previous names you've provided.
We'll also check your details with a fraud prevention agency to prevent fraud and money laundering. If you've provided false or inaccurate information (and fraud is identified) we'll pass your details to fraud prevention agencies. If you want, we can explain how your information held by fraud and other credit reference agencies may be used.
Your new chip and PIN
If your application is approved, we'll send your PIN first, followed by your M&S Credit Card a few days later. You should receive your new card and PIN within ten working days.
Balance transfers
Once your application is approved, and you have received your M&S Credit Card, you will be able to apply for a balance transfer within 90 days of opening your account. We accept balance transfers from most credit or store cards held with other lenders.
Eligible income
Your gross annual income is the amount you receive before tax, national insurance and any other deductions. This includes self-employed income and any pensions.
If you receive income from a zero hours’ contract, please include your average earnings for the last 12 months with the same employer.
Please include any benefit income when guaranteed for the duration of the lending. These include, but are not limited to:
- universal credit (not including job seekers allowance)
- working family tax credits & child tax credits
- any maintenance or child support payments
- benefits for those with a disability or caring for a dependent
We may need to see evidence of these payments.
Important documents
- M&S Credit Card Terms and Conditions
- M&S Credit Card summary box
- M&S Bank Privacy Notice
- Your guide to credit scoring
- M&S Loyalty Terms and Conditions
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