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Dual Credit Card

  • Whether you’re transferring a balance or making a big purchase, an interest-free period can give you the flexibility you need. Plus, our Dual Credit Card offers cashback as well as rewards from your favourite shopping brands – all for no annual fee.
Credit is subject to status, affordability and applicable terms and conditions.

Representative example

22.9% APR (Variable) Representative APR

22.9% p.a. (Variable) purchase rate

Based on an assumed credit limit of

£1,200

About this card

Card details

  • 0% interest on balance transfers for 26 months* from account opening
  • A 2.89% fee applies on balances transferred (minimum £5) within the first 60 days of account opening.*

  • 0% interest on purchases* for 26 months from account opening
  • No annual fee

Rewards

  • Enjoy global discounts
  • Earn cashback from your favourite shopping brands with Visa Offers, plus get instant discounts from well-known brands around the world with our home&Away rewards programme. For all offers check out the home&away website.

Using your card

  • Make contactless transactions
  • Your card is contactless contactless Contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

  • Manage your card online
  • Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

  • Get an additional card
  • As long as they’re over 18, you can add your partner or a family member to your account.

  • Bank anywhere with the Bank Mobile Banking App
  • Make payments to existing beneficiaries and manage your personal accounts easily and securely with the Bank Mobile Banking App.

  • Use your card abroad
  • You can use your Bank Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Bank cash machines may also charge a fee.

  • Enjoy 24/7 worldwide assistance
  • Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance.

Apply for a Dual Credit Card

Are you eligible?

To be eligible for an Bank Credit Card you need to:

  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK*
  • Be over 18, and not hold an Bank Basic Bank Account

If you foresee any changes in 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 apply by telephone or branch

Introductory rates only apply if you haven't held an Bank credit card within the last six months. Balances can't be transferred from cards issued by other members of the Bank Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.

*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.

New to Bank

You just need to provide a few details as part of your application.

Apply now

Bank customers

If you're already registered for online banking, you can apply online now.

Log on to apply
Apply by phone or in branch

Apply by phone

Call us on:

0800 032 4735

Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day)

Apply in branch

Book your appointment to apply in branch by calling

03457 404 404

You'll need to bring identification, proof of your address and a recent bank statement

Textphone contact numbers

Please note - You can only apply by phone or branch if you are an existing Bank customer.