The TSB Advance Mastercard is a straightforward and affordable credit card that offers both short-term flexibility and long-term practicality. With 0% interest on purchases and balance transfers for the first three months, followed by a competitive 12.9% APR representative (variable), it helps you manage spending or consolidate debt without paying unnecessary charges upfront.
This card comes with no annual fee, making it easy to keep long term, and provides the convenience of worldwide Mastercard acceptance, contactless technology, mobile wallet integration, and access to Mastercard Priceless.com experiences. For UK residents seeking a low-cost, reliable credit option, the TSB Advance Mastercard is a strong contender.
Benefits of the TSB Advance Mastercard
1. Introductory 0% Interest on Purchases
All new purchases benefit from 0% interest for the first three months, helping you spread the cost of essentials or larger buys.
2. 0% Balance Transfers
Balance transfers made within the first 90 days also enjoy 0% interest for three months, giving you a chance to reduce existing debt.
3. Competitive APR
After the introductory period, the card reverts to a 12.9% representative APR (variable), which is relatively low compared to many competitors.
4. No Annual Fee
There are no account fees, making the TSB Advance Mastercard a cost-effective card to keep for everyday use.
5. Global Mastercard Acceptance
Use the card at millions of locations worldwide, both in-store and online, for seamless transactions abroad and at home.
6. Contactless Payments
Pay quickly and securely with contactless technology, suitable for everyday shopping.
7. Mobile Wallet Compatibility
Compatible with Apple Pay, Google Pay and Samsung Pay, offering flexibility for digital-first consumers.
8. Priceless.com Perks
Access Mastercard’s Priceless.com programme, which gives exclusive discounts and experiences in dining, travel and entertainment.
9. Easy Account Management
Track balances, make payments and manage your account through TSB’s online banking and mobile app.
10. Fraud Protection
Enjoy peace of mind with Mastercard’s advanced fraud monitoring and zero liability for unauthorised transactions.
11. Consolidation of Debts
The balance transfer feature allows you to combine multiple card balances into one account, simplifying repayment.
12. Flexible Long-Term Use
With no annual fee and a low APR, this card can remain useful even after the promotional period.
Who Can Apply for the TSB Advance Mastercard?
Applicants must:
- Be at least 18 years old.
- Be a permanent UK resident.
- Have a UK bank account.
- Pass a credit and affordability assessment.
How to Apply
- Visit the TSB website and select the Advance Mastercard.
- Use the eligibility checker to see if you are likely to be accepted without affecting your credit score.
- Complete the secure online application with your personal, employment and financial details.
- Review the APR, terms and balance transfer fees carefully.
- Submit your application and wait for a quick decision.
- If approved, your card will arrive within 7–10 working days.
Frequently Asked Questions
1. What is the introductory offer?
0% interest on purchases and balance transfers for the first three months.
2. Is there a balance transfer fee?
Transfers are free within the first 90 days, but a 5% fee may apply afterwards.
3. What is the APR after the offer ends?
The representative APR is 12.9% variable.
4. Does the card have an annual fee?
No, the TSB Advance Mastercard comes with no annual fee.
5. Can I use the card abroad?
Yes, it has worldwide Mastercard acceptance, though foreign transaction fees may apply.
6. Can I add the card to my phone wallet?
Yes, it works with Apple Pay, Google Pay and Samsung Pay.
7. Does it come with rewards or cashback?
It doesn’t offer cashback, but it provides Priceless.com access for exclusive experiences.
