How to Apply for your M&S Credit Card Purchase Plus Offer
The M&S Credit Card Purchase Plus Offer provides a seamless shopping experience with an array of benefits designed to maximize your purchasing power.
Whether you’re shopping at M&S stores or millions of outlets worldwide, the Mastercard logo opens the door to various rewards and offers tailored just for you.
M&S Credit Card Purchase Plus Offer Benefits
Interest-Free Purchases
The M&S Credit Card Purchase Plus Offer allows you to enjoy 0% interest on purchases for up to 20 months. This is an excellent way to spread the cost of larger purchases without the immediate pressure of accruing interest.
Whether you’re shopping at M&S stores or any outlet that accepts Mastercard, you can benefit from interest-free spending for nearly two years, making this card perfect for budgeting big-ticket items.
Balance Transfer Facility
With the M&S Credit Card Purchase Plus Offer, you also benefit from 0% interest on balance transfers for up to 12 months, provided they are made within 90 days of opening the account.
This means you can transfer balances from other credit cards and pay off debt without the burden of interest, helping to simplify your finances.
There is a 3.49% fee on the amount transferred (with a minimum charge of £5), which is worth considering when deciding if a balance transfer is right for you.
Interest-Free Credit
If you pay off your full balance on time each month, you can enjoy up to 55 days of interest-free credit on purchases. This flexibility allows you to manage your finances more efficiently, ensuring that no interest is added to your account as long as you meet the payment deadlines.
M&S Rewards Points and Vouchers
The M&S Credit Card Purchase Plus Offer is especially rewarding for regular shoppers at M&S. Every time you shop, you’ll earn Rewards points, which are converted into M&S vouchers for you to spend in-store or online.
The points system is straightforward: for every £1 you spend at M&S (in-store or online), you earn 1 point.
For all other purchases, you receive 1 point for every £5 spent. Once your points accumulate to 100, they are converted into an M&S voucher worth £1, which can be redeemed at any M&S store or online.
M&S Club Rewards
For those who are particularly loyal to M&S, subscribing to M&S Club Rewards offers even more value. For a monthly fee of £10, subscribers can enjoy M&S gifts, treats, and vouchers worth at least £240 annually.
This subscription allows you to make the most of your M&S shopping experience, while simultaneously offering great value in return for your loyalty.
Additional Cardholder
With the M&S Credit Card Purchase Plus Offer, you have the option to add cardholders (over the age of 18) to your account. This means that both cardholders can benefit from the card’s features, earn M&S points, and enjoy the same level of convenience and security. This can be particularly useful for families or couples who frequently shop together.
Mobile Banking
Managing your M&S Credit Card has never been easier, thanks to the M&S Banking App. This app allows you to view your credit card PIN, securely confirm online payments, and receive notifications when you make a purchase.
You can also link your M&S Credit Card to Apple Pay or Google Pay for quick, convenient contactless payments. With the app, you stay in control of your finances with just a few taps on your smartphone.
M&S Sparks
By registering for Sparks, M&S’s loyalty program, you unlock a world of personalized offers, free treats, and charity donations whenever you shop at M&S.
This added layer of rewards makes the M&S Credit Card even more appealing to frequent shoppers.
Prerequisites for Applying
Before applying for the M&S Credit Card Purchase Plus Offer, there are a few requirements you must meet:
- Be 18 years old or older.
- Be a resident of the UK.
- Have a minimum annual income of £6,800.
- Not have any bankruptcy records or County Court Judgments (CCJs) within the last 6 months.
- You should maintain up-to-date credit agreements.
- You must not have previously been declined for an M&S Credit Card within the last 30 days.
About M&S Bank
M&S Bank, founded in 1985 as St Michael Financial Services, operates through a joint venture agreement between HSBC and Marks & Spencer. The bank has a reputation for providing excellent customer service and offering a wide range of financial products.
Since its inception, M&S Bank has grown significantly. It was renamed Marks & Spencer Financial Services in 1988, and by 2004, M&S Bank had over 2.1 million cardholders, making it one of the top 10 credit card providers in the UK. Today, M&S Bank remains a popular choice for those seeking a credit card that combines retail rewards with financial flexibility.
Who is This Card For?
The M&S Credit Card Purchase Plus Offer is ideal for frequent M&S shoppers who want to earn rewards while benefiting from interest-free periods on both purchases and balance transfers.
If you’re looking for a credit card that offers a generous rewards system, flexible payment options, and exclusive M&S benefits, this card is a great fit.
Its key strengths lie in the ability to earn M&S vouchers, spread costs without interest, and manage your finances through a user-friendly mobile app.
How to Apply for the M&S Credit Card Purchase Plus Offer
To apply for this card, follow these steps:
- Review your eligibility: before starting your application, you need to review if you meet all criteria established by the M&S Bank
- Visit the Application Page: Head to the M&S Credit Card Purchase Plus Offer page and press on the “Start my application” button to start the process.
- Complete the Application Form: You’ll need to provide personal information, including your residential address, employment history, income details, and bank account information.
- Wait for Approval: Once you submit your application, M&S Bank will assess your information. If approved, your card will be sent to you within 3-5 working days.
M&S Credit Card Purchase Plus Offer Pros and Cons
Pros
- Earn M&S points on all your spending, which can be converted into vouchers for use at M&S stores or online.
- 0% interest on purchases for up to 20 months, allowing for more manageable repayments.
- 0% Interest on balance transfers for up to 12 months
- Up to 55 days’ interest-free
- Option to add cardholder, allowing for shared benefits.
Cons
- M&S vouchers can only be used at M&S stores, limiting their versatility.
- Balance transfers come with a 3.49% fee.
- Strict eligibility requirements, including minimum income and no recent credit issues.
M&S Credit Card Purchase Plus Offer Fees and Tariffs
The M&S Credit Card Purchase Plus Offer comes with competitive terms:
- APR: Representative 24.9% (variable).
- Interest-Free Period: Up to 55 days if the balance is paid in full each month.
- Balance Transfer Fee: 3.49%, with a minimum fee of £5.
- Assumed credit limit: £1,200
Customer Service:
If you have any questions or need support, M&S Bank offers various customer service options:
- Online: Visit the “Contact Us” page on the M&S Bank website.
- Live Chat: Accessible 24/7 via the M&S Banking App or Internet Banking.
- Phone: Call 0345 600 5860 for assistance from 8 am to 8 pm daily.
With these options, M&S Bank ensures you can easily get the help you need, whether you’re managing your account or troubleshooting an issue.