Marks & Spencer | Transfer Plus credit card

APR: 18.9% Representative
Intro purchase rate: 0% for 6 months
Purchase rate: 18.9%
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Marks & Spencer | Transfer Plus credit card customer reviews

3.8 out of 5 from 32 reviews

Very poor customer service - almost to the point of not telling the whole story to customers

09:48 25-11-2017

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Opened an M& S Credit card account recently. I asked to pay full balance every month by Direct Debit but forms did not arrive so chased them up and was told I could arrange it over the phone. Did so and was told my payment would be made by due date, even though I queried it. Payment did not come off my bank even though the direct debit has been set up. When I telephoned I asked to pay the full amount by card so as not to incur fees but was told that I would incur fees EVEN THOUGH THIS IS THEIR FAULT. Customer service representative was asked twice if the payment could be taken on time and reassured me that it could - now she says it will take 10 working days but never told me that in the first place. I will be changing account suppliers ASAP as I do not like being lied to. If she knew it took 10 days why did she not tell me that when I originally set up the direct debit then I could have made a payment online to cover myself. I have an otherwise unblemished credit record and this has spoiled it. It has also spoiled my belief in M & S and I shall not shop there again.


Great customer service

19:02 19-11-2017

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Easy ways to pay, good rates, earn points with any purchase. They don' t automatically increase your credit allowance, but raised mine without problem after checking my credit rating after contacting them.

Jane Wells

Good online services

21:16 29-06-2017

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I have so far enjoyed banking with M&S

cassie johnson

Credit Card

09:24 23-06-2017

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Got a credit card with M&S, the offer was great 25 months free interest, also to add the customer service is excellent each time I rang.

marcelina dobrzanska

Best card

23:09 10-06-2017

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I have had this card for a few years now and picked it because it had a zero interest rate on purchases of 15 months which was really useful for purchases like a tv.

Yvonne Keyes

Helpful and friendly customer service, issues with sign up vouchers

07:41 13-05-2017

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I have been very impressed with the M&S credit card which I applied for due to the excellent 18 month 0% interest for purchases and balance transfers. The initial application was swift and easy, however the £30 voucher sign up incentive took over 3 months to arrive. I recently changed my payment to direct debit and this was arranged quickly and easily over the phone by the friendly and helpful customer service helpline.

Louise Johnson


10:48 12-02-2017

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Whether on line or in store the staff are always very helpful and will always try their best to resolve any quries or issues. Over 30 years of experiences with them so far I have only encounted two not very helpful and pleasant staff.


Good extras but make sure you get them!

00:07 07-02-2017

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Appealing joining incentive but I had to chase them to get it, and have had to make several customer complaints since regarding the reward incentive vouchers not tracking properly. Be warned, they take the "customer is always wrong" approach and it takes several emails back and forth before they accept you are right! If you're prepared to do that though there are some good bonuses to be had, especially if you shop in M&S regularly.

Rachel S

Points scheme is great

09:29 19-12-2016

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It's great that you get points on your shopping as well as extra treats occasionally

Matthew Attridge

Love the rewards

12:28 15-12-2016

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The M&S credit card is great because of all the reward points you can get, and vouchers to spend from them!

Christine Caple

Our review of Marks & Spencer | Transfer Plus credit card

Our review by Chris
Written by: Chris
Consumer sentiment


Marks and Spencer are a well-established British institution and their M&S Bank launched back in 2012.  This service was based on M&S Money, which itself had a 30 year history. There are branches in the main Marks and Spencer stores, open whenever the stores are open. This keeps personal customer service in easy reach of all consumers. M&S Bank offers many different financial products, from loans to current accounts. This review is about their Transfer Plus credit card.

The Transfer Plus credit card has an introductory rate of 0% for 32 months on balance transfers. They also have a low fee of 0.99% on money that is transferred across. In a crowded market, M&S Bank offers some great extra benefits to make their card an interesting option. You’ll have expected the standard perk of earning points when you shop in any store, not just M&S. However, there is another credit card available from M&S Bank, the Shopping Plus, which is a better deal if you’re using the card for a large purchase. With the Transfer Plus card, you can also save on M&S travel money and earn a bonus points voucher for shopping at the store.

People are generally very positive about the Transfer Plus credit card, which has a score of 4/5 at the time of writing. However, some customers have had problems with the account rewards system. If you’re taking out this card for the 0% introductory offer, you will want to always make at least the minimum payment each month, if not you’ll negatively impact your credit file and the introductory period will come to an end. You should consider paying off the full balance before the end of the introductory period, to avoid being charged interest.

My Verdict: Marks and Spencer are a reliable brand and this product is particularly popular with consumers. The Shopping Plus credit card is a good deal if you regularly shop at M&S, as you will earn more points and be able to get cheaper travel money.


  • 0% on balance transfers for 32 months
  • 0% interest on purchases for 6 months
  • Earn M&S points as you shop
  • 55 days' interest-free credit if you pay the balance in full and on time each month
  • One additional cardholder over 18

Minimum criteria

  • You must be over 18
  • You must be a UK resident with 3 years' address history
  • You must have a valid bank or building society account
  • Not available if you've had an M&S Bank credit card in past 12 months
  • 2.9% balance transfer fee (or minimum charge of £5)

About Marks & Spencer | Transfer Plus credit card

The Marks & Spencer Transfer Plus credit card offers 0% interest on purchases for 32 months from opening the account, and 0% on balance transfers for the first 6 months. If you already have an M&S loyalty card, it also offers points for this while you spend.