Credit cards for non-smile current account customers

Guaranteed rates. And online banking without the faff. That's exactly what you'll get as a new smile customer.

Already a smile current account customer?

Credit cards for existing smile current account customers

Already a smile current account customer? Then you'll automatically get our best credit card rate (if your application is successful, of course).

Not a smile current account customer?
classic credit card gold credit card

Classic Credit Card

Gold Credit Card

20.9% APR representative / variable on purchases and balance transfers for non-smile current account customers. Already a smile current account customer? 18.9% APR representative / variable on purchases and balance transfers for non-smile current account customers. Already a smile current account customer?
For people 18 and over, earning £10k+See full eligibility For people 21 and over, earning £15k+See full eligibility
0.25% cashback on your purchases. No cashback on purchases.
No annual fee. No annual fee.
We won't charge you interest on purchases if you pay your credit card balance in full and on time. We won't charge you interest on purchases if you pay your credit card balance in full and on time.
No nasty surprises. If your application's successful, you'll always get the exact rate advertised. No nasty surprises. If your application's successful, you'll always get the exact rate advertised.

To apply the main card holder must meet the following:

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • Employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

To apply the main card holder must meet the following:

  • 21 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £15,000.
  • Employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 21 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Tell me more Tell me more
gold credit card

Gold Credit Card

18.9% APR representative / variable on purchases and balance transfers for non-smile current account customers. Already a smile current account customer?
For people 21 and over, earning £15k+See full eligibility
No cashback on purchases.
No annual fee.
We won't charge you interest on purchases if you pay your credit card balance in full and on time.
No nasty surprises. If your application's successful, you'll always get the exact rate advertised.

To apply the main card holder must meet the following:

  • 21 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £15,000.
  • Employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 21 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Tell me more
classic credit card gold credit card

Classic Credit Card

Gold Credit Card

16.9% APR representative / variable on purchases and balance transfers for existing smile current account customers. Not a smile current account customer? 12.9% APR representative / variable on purchases and balance transfers for existing smile current account customers. Not a smile current account customer?
For people 18 and over, earning £10k+See full eligibility For people 21 and over, earning £15k+See full eligibility
0.25% cashback on your purchases. No cashback on purchases.
No annual fee. No annual fee.
We won't charge you interest on purchases if you pay your credit card balance in full and on time. We won't charge you interest on purchases if you pay your credit card balance in full and on time.
No nasty surprises. If your application's successful, you'll always get the exact rate advertised. No nasty surprises. If your application's successful, you'll always get the exact rate advertised.

To apply (as the main cardholder) you need to be:

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • Employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

To apply (as the main cardholder) you need to be:

  • 21 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £15,000.
  • Employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 21 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Tell me more Tell me more
gold credit card

Gold Credit Card

12.9% APR representative / variable on purchases and balance transfers for existing smile current account customers. Not a smile current account customer?
For people 21 and over, earning £15k+See full eligibility
No cashback on purchases.
No annual fee.
We won't charge you interest on purchases if you pay your credit card balance in full and on time.
No nasty surprises. If your application's successful, you'll always get the exact rate advertised.

To apply (as the main cardholder) you need to be:

  • 21 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £15,000.
  • Employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 21 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Tell me more

Unanswered questions?

    Help for existing customers

    Lots of useful information about how to make repayments and keep your credit card safe.

    Get help and info man with binoculars