You are one step away from the M&S Transfer Plus Credit Card. Check the eligibility criteria and how the eligibility checker works before you apply.
Check each requirement below before you apply. Knowing your chances first helps protect your credit score.
An eligibility check uses a soft search, so you can see your chances without affecting your credit score.
Check first, apply with confidence
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📋 Eligibility
- Age: You must be aged 18 or over.
- Residency: You must be a permanent UK resident with a UK address history.
- Income: You need an annual income or pension of at least £6,800.
- Bank account: You need a UK bank or building society current account to set up repayments.
- Credit check: You must not have held or been declined for an M&S Credit Card recently; a full credit check is made.
🔍 How to check your eligibility
- Open the M&S Bank (a trading name of HSBC UK Bank plc) eligibility checker or card page.
- Enter a few details about your income and address.
- See your result with a soft search before submitting a full application.
✅ Good to know
- M&S rewards: Earn points at M&S and elsewhere, paid as vouchers.
- Interest-free days: Up to 55 days interest-free on purchases when you pay in full.
- Sparks login: Eligibility checks link to your M&S Sparks account.
Your rate, credit limit and promotional period depend on the provider's credit and affordability checks; check the summary box before applying.