M&S Bank Credit Card
M&S Bank (HSBC) · Reward Points · Reward Points
This comprehensive guide covers the M&S Bank Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The M&S Bank Credit Card from M&S Bank (HSBC) offers reward points rewards redeemable as reward points. Top earning categories include 1 point per £1 at m&s and more. This card has no annual fee.
Best for: Marks_and_spencer · Grocery, Retail, General Online, Dining
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 100 pts/$100 1 point per £1 at M&S
- 20 pts/$100 1 point per £5 everywhere else
Important Notes
- M&S points are redeemable at M&S stores and online (1 point = 1p).
- Includes free delivery on M&S online orders for cardholders.
- Popular with frequent M&S shoppers; limited value for non-M&S spend.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Maximize Your Rewards
To earn the highest rewards, use the M&S Bank Credit Card for its bonus categories: Grocery, Retail, General Online, Dining, Travel.