TSB Platinum Purchase Credit Card Up to 15 Months Interest-Free on Purchases and Balance Transfers With No Monthly Fees

Overview of the TSB Platinum Purchase credit card

The TSB Platinum Purchase credit card is designed for UK customers looking to spread the cost of purchases and consolidate balances with a lengthy interest-free window. With up to 15 months interest-free on purchases and balance transfers, the card helps manage cashflow without immediate interest mounting.

There are no monthly fees and a minimum credit limit of £500, making the TSB Platinum Purchase credit card a straightforward option for many households. It’s a plain, practical product that suits people who prioritise interest-free time over reward extras.

Costs, fees and representative APR

Representative APR on the TSB Platinum Purchase credit card is 22.9%, so if you move beyond the introductory periods the rate becomes important to watch. The balance transfer fee is 1.45% for the first 90 days and rises to 5% afterwards, which matters if you plan to transfer larger sums.

Always plan repayments to clear balances within the interest-free term to avoid paying the standard APR. The balance transfer fee and the post-intro APR are the main costs; there are no monthly account fees to worry about.

Managing the card and customer support

TSB offers solid online banking and a dedicated mobile app that make managing the TSB Platinum Purchase credit card easy from your phone. You can set alerts, schedule payments and check remaining interest-free months via the TSB Mobile Banking app or online banking on TSB’s website.

For face-to-face help, TSB branches across the UK provide personalised support if you prefer discussing options in person. Keep an eye on payment due dates and use automated payments where possible to avoid late charges and protect your credit score.

Who should apply and how to apply

The TSB Platinum Purchase credit card suits people who want a long interest-free period to clear purchases or consolidate debt and who don’t need extras like cashback or travel perks. If your priority is cutting interest costs and keeping monthly charges to zero, this card is worth comparing.

Apply online via TSB’s site or visit a branch to discuss eligibility; use a soft credit check on comparison sites first to see likely offers. Compare the TSB Platinum Purchase credit card with alternatives such as the Virgin All Round, Tesco All Round and M&S Shopping Plus cards to find the best fit for your spending habits and repayment plan.