Credit cards - TSB Banking Group...credit card you choose, it’s all backed by top-notch customer...

Credit cards

How having a TSB credit card is different.Having a credit card with TSB isn’t like having a credit card with other big banks.

Not only because none of the interest TSB customers pay to use their credit cards goes towards investment banking, overseas speculation or big corporate finance.

But also because we don’t just want our customers to use credit cards.

We want to help them borrow well.

That means:

Borrowing in the way that makes the best financial sense for you. Using the right kind of product for the right kind of reason. Borrowing an amount that means you’re able to afford the repayments. Borrowing in a way that means you’re not paying over the odds to do so.

When TSB customers borrow well it’s not just good for them, it’s good for our business too.

Because happy customers tend to remain customers longer.

And of course, borrowing well is not just good for TSB and our customers.

Responsible borrowing is a fundamental part of the lifeblood of our economy, helping people to get on and thrive along with the local economies they’re part of.

And people thriving all over Britain is what Local Banking for Britain is all about.

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If you’ve ever fancied the idea of earning reward points on everyday spending that can be turned into a spur-of-the-moment weekend away, we can help with that. Or maybe you’d prefer to make real savings every month with a balance transfer? If you do, we’re here for you. Want to manage the cost of a new life at university? Well, we’ve got that covered, too.

In fact, no matter how you like to spend and repay, and no matter which TSB credit card you choose, it’s all backed by top-notch customer service, in branch, online, or by phone.

Putting it all together, your TSB credit card can help you get more out of life. And that’s got to be a good thing.

What’s inside? Page

Which card’s best for you? 4

Smarter ways to manage your money 5

TSB Platinum Credit Card 6-7

TSB Classic Credit Card 8-9

TSB Student Credit Card 10-11

Love to travel? With Avios, the world’s all yours 12-13

TSB Avios Credit Card Account 14-15

TSB Premier Avios Credit Card Account 16-17

Staying on track – Money Planner 18-19

Getting to grips with the details 20-21

Summary: TSB Classic and Platinum Credit Cards 22

Summary: TSB Student Credit Card 23

Summary: TSB Avios Credit Card Account 24

Summary: TSB Premier Avios Credit Card Account 25

Important information 26

Terms and Conditions 28-31

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Which card’s best for you? Unlike some banks, we don’t want to complicate life by offering an endless selection of credit cards. We’d much rather cut to the chase and give you a clear and simple choice of cards. So we have five in all – each with something different to offer.

Borrow, spend and repay just the way you like it

TSB Platinum Credit Card Save money with our purchase and balance transfer offers.

TSB Classic Credit Card A card for everyday spending.

TSB Student Credit Card A great choice of credit card for your student years.

Turn your everyday spending into amazing travel experiences

TSB Avios Credit Card Collect Avios you can use towards flights, holidays and more.

TSB Premier Avios Credit Card Collect Avios faster to get to your dream destination quicker.

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Smarter ways to manage your money.We know it’s important to manage your money smoothly. And thanks to the helpful features of Internet Banking, we’ve made it easy to keep track of your spending, your payments and your balance transfers online, 24 hours a day.

It’s easy to make your payments• There’s a range of secure, quick and convenient ways to pay – in branch,

online or by phone

• Pay the whole amount, the minimum amount or any amount in between.

Travelling? We’ve got you covered• Use your credit card worldwide

• Set travel flags before you go abroad to avoid your card being declined unnecessarily. If we see anything unusual on your account, we’ll call to make sure everything’s okay

• With Overseas Emergency Assistance, there’s just one number to call if you lose your card abroad and need a replacement. Just call +44 203 284 1581.

Protecting you from fraud• Internet fraud protection and Clicksafe® will help to keep your details secure

when shopping online

• Through active account monitoring we’ll be able to spot any unusual or suspicious spending on your credit card, and contact you to check that it hasn’t been stolen.

ClickSafe® (also known as Verified by Visa, MasterCard® SecureCode and American Express® SafeKey©) is a free service that gives you extra protection when you’re shopping online.

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TSB Platinum Credit Card.The card with offers that go on and on.

Pay no interest for up to 20 months on what you spend* and what you transfer. Our Platinum MasterCard® has not one but two ways to help you save, month in month out. It’s our way of giving you some breathing space to really help make a difference.

With 0% interest on purchases for up to 20 months, you can spread the cost of everything you buy* and not pay any interest during the introductory offer period on your account. And with 0% interest for up to 20 months on balance transfers, you can save money by switching balances from more expensive credit or store cards. So it’s handy when you’re spending and handy when you’re saving.

Call 0800 015 0022 Click tsb.co.uk/creditcards Visit Drop into your local branch

Apply for a TSB Platinum Credit Card

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Everyday C

ards

Representative exampleThe interest rate for purchases is

18.94% p.a. variable with a representative

18.9% APR variable based on you borrowing

£1,200 and repaying it over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

What’s in it for you?• 0% interest for up to 20 months on purchases, from when we open your account

• 0% interest for up to 20 months on balance transfers, minimum £100**, you’ll need to make any balance transfers within the first 90 days of opening your account to receive the 0% interest rate, and there is a 2.95% fee. 3% fee on balance transfers made after 90 days.

How to save money• Remember to transfer your balances within 90 days of opening

your account

• Transfer balances from cards with the highest rates first

• Never miss a payment by setting up a Direct Debit for at least the minimum payment each month

• Up to 56 days’ 0% interest period on purchases (from the date of transaction) if you pay your balance in full and on time each month

*Remember that the following are not included as ‘purchases’ and interest will be charged on them: cash withdrawals, advances made by Card or Card number, gambling transactions, purchases of currency and cash related transactions, such as the purchase of travellers cheques, money orders or gaming chips.

To qualify for promotional rates, you must stay within your credit limit and make your monthly payments on time.

**Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. If you don’t pay off your balance in full, any payments you make will pay off transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges.

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TSB Classic Credit Card.The simple credit card that gives you real flexibility.

If you’ve never had a credit card before or just want a card for everyday spending, the TSB Classic MasterCard® can give you a flexible way to spend* and put some pep in your purse.

With 0% interest for 10 months on balance transfers, it could also help you consolidate any higher rate balances you have on other cards, as well as giving you 0% interest for 10 months on your purchases.

Call 0800 015 0022 Visit Drop into your local branch

Apply for a TSB Classic Credit Card

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What’s in it for you?• 0% interest for 10 months on balance transfers, minimum £100**, you’ll need

to make any balance transfers within the first 90 days of opening your account to receive the 0% interest rate, and there is a 2.95% fee. 3% fee on balance transfers made after 90 days.

• 0% interest for 10 months on purchases, from when you open your account.

How to save money• Remember to transfer your balances within 90 days of opening

your account

• Transfer balances from cards with the highest rates first

• Set up a Direct Debit for at least the minimum payment each month

• Up to 56 days’ 0% interest period on purchases (from the date of transaction) if you pay your balance in full and on time each month

*Remember that the following are not included as ‘purchases’ and interest will be charged on them: cash withdrawals, advances made by Card or Card number, gambling transactions, purchases of currency and cash related transactions, such as the purchase of travellers cheques, money orders or gaming chips.

To qualify for promotional rates, you must stay within your credit limit and make your monthly payments on time.






**Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. If you don’t pay off your balance in full, any payments you make will pay off transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges.

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TSB Student Credit Card.The card that’s with you from fresher to graduation.

Clearing done. Bag packed. Accommodation booked. Stepping up to college or university is a life-changing experience with wallet-altering effects. Because your student expenses tend to come in big chunks, several times a year, it’s good to have some extra flexibility on your side when you need it most.

If you’re at college or university and have had a TSB Student Current Account for at least three months, adding our Student MasterCard® Credit Card could help spread the cost of the big things – and take care of life’s little surprises.

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Student C

ards






What’s in it for you?• Up to 56 days’ 0% interest credit on purchases if you pay your balance in

full and on time each month*

• Accepted worldwide, wherever your travels take you

• Keep track of your finances online, on the phone and in branch.

Top tips• Never miss a payment by setting up a Direct Debit for at least the minimum

payment each month

• Use our online Money Planner tool to help you budget.


Apply for a TSB Student Credit Card

*If you don’t pay off your balance in full, any payments you make will pay off transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges.

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Love to travel? With Avios, the world’s all yours.Check in. Rev up. Take off. Chill out. Avios is a whole exciting world to explore with TSB. We’re working together to help you earn fantastic rewards whenever you spend. Just use our TSB Avios Credit Cards for all the usual things* you buy, eat, drink and do, and you’ll collect Avios automatically.

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Rew

ard Cards

So, what are Avios?Avios are much more than travel reward points that can be used towards flights, holidays, hotels and days out.

When you use your TSB Avios Credit Cards or TSB Premier Avios Credit Cards whenever you shop*, in store or online, you’ll collect Avios that you can save and convert into a huge choice of travel experiences: car hire, hotel rooms, EurostarTM tickets and more. In fact, if you’re smart with the way you spend and save, Avios could help you go all the way to Australia and back.

Where in the world can Avios take you?Here are just a few of the ways you can spend your Avios:

Avios Reward7,000 The Favourites Six wine case

From 9,000 Standard Return ticket on EurostarTM

9,000 + airline taxes, fees and charges

A return flight to destinations such as Paris, Amsterdam and Brussels


A return flight to destinations such as Rome and Madrid

From 20,000 Standard Premier Return ticket on EurostarTM


A return flight to destinations such as New York, Bermuda and Dubai


A return flight to destinations such as the Maldives and Mumbai

55,500 Champagne Balloon Flight for Two


A return flight to destinations such as Bangkok, Tokyo and Shanghai

*Eligible spend does not include cash withdrawals, money transfers, cheques, interest, fees or charges, Payment Protection Cover, transactions at casinos, betting outlets or bookmakers or payments to offline or online current, savings, sharetrading, spread betting, gambling or any other similar account.

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To make sure you get the most from us, we’ll give you two cards on the one account – a TSB Avios American Express® Card and a TSB Avios MasterCard® Card. This means you can collect Avios almost every time you shop – and all with no annual fee. It’s easy to look after your account, too. You’ll get just one statement a month and need to make one payment a month.

What’s in it for you?• Collect Avios 5 times faster with 1 Avios for every £1 of eligible spend* on

the TSB Avios Rewards American Express® Card

• Collect 1 Avios for every £5 of eligible spend* on the TSB Avios Rewards MasterCard® and collect in more places with over 36 million MasterCard locations around the world

• Collect double Avios on your eligible spend* abroad. A non-sterling transaction fee of 2.95% applies when using outside the UK

• 0% interest for up to 6 months of balances transferred within the first 90 days

• 3% balance transfer fee

• You’ll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider**

TSB Avios Credit Card Account. With a TSB Avios Credit Card Account you can spend your way round the world. But if exotic travel’s not your thing, you can reward yourself with everything from days out and city breaks to theatre trips. And all for doing the things you’d normally do with a credit card.

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** Minimum balance transfer is £100 and is subject to your credit limit. 1,500 bonus Avios are only awarded on whole multiples of £1000s (£1,000, £2,000, £3,000 etc.) transferred from a single provider. For example, bonus Avios would not be rewarded on a balance transfer of £999 or if the transfer is split between more than one credit or store card. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. If you don’t pay off your balance in full, any payments you make will pay off transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges.







Apply for a TSB Avios Credit Card

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What’s in it for you?• Collect Avios 5 times faster with 1.25 Avios for every £1 of eligible spend* on

the TSB Premier Avios Rewards American Express® Card

• Collect 1.25 Avios for every £5 of eligible spend* on the TSB Premier Avios Rewards MasterCard® and collect in more places with over 36 million MasterCard locations around the world

• Collect double Avios on your eligible spend* abroad. A non-sterling transaction fee of 2.95% applies when using outside the UK

• 0% interest for up to 6 months of balances transferred within the first 90 days

• 3% balance transfer fee

• You’ll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider**

• Companion Ticket with £15,000 of eligible spend* in one year.

TSB Premier Avios Credit Card Account. Get there faster. Or really push the boat out and treat yourself. With our Premier Avios Credit Card Account, you’ll get 25% more Avios every time you spend, so you’ll be on the way to some amazing travel experiences even sooner. All for an annual fee of £50.




£1,200 and repaying it over 12 months. A £50 annual fee applies. Credit limits

and interest rates will vary based on your individual circumstances.

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** Minimum balance transfer is £100 and is subject to your credit limit. 1,500 bonus Avios are only awarded on whole multiples of £1000s (£1,000, £2,000, £3,000 etc.) transferred from a single provider. For example, bonus Avios would not be rewarded on a balance transfer of £999 or if the transfer is split between more than one credit or store card. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. 3% balance transfer fee applies. If you don’t pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges.


Apply for a TSB Premier Avios Credit Card

Collectors’ tipRegister at avios.com to keep track of your Avios.

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Staying on track – Money Planner.Keeping tabs on what’s going out so you can budget better.

If you’ve ever got to the end of the month and wondered where your money’s gone, or can’t work out how much you’ve spent on food and drink, we can help.

Money Planner is our free, easy-to-use online tool you can use to keep track of all your TSB accounts – from current accounts to credit cards – all in one place.

When you’ve registered for Internet Banking then Money Planner has the answer. By keeping tabs on your outgoings, grouping them into handy categories, and displaying the results in colourful charts, it can help you see patterns in your spending so you can budget and save.

Move over for more info

This is a sample spending analysis

Amount (£)

Groceries 243.94

624.00

Home Expenses 158.60

Clothing & Personal Care 145.32

Spending analysis allows you to:

Uncategorised 360.00

• View your spending in charts and graphs.

• Toggle between monthly and yearly spend.

• Group your spendings under relevant categories.

• Categorise items to analyse your spending in more depth.

Total: £624.00

Household Goods

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All the details

Here’s what you can do with Money Planner:• Track your spending with the help of easy-to-read charts and graphs

• See what comes in and goes out of your account each month

• See what you’re spending most on

• Choose your own spending categories, so it’s specific to you and your lifestyle

• Work out where you could make savings in the future.

Open-all-hours bankingInternet Banking shows your credit card balance next to your other TSB accounts, keeping the facts at your fingertips whenever you’re online. It helps you stay cool, calm and collected; always in control. Make transfers to your credit card instantly, check your credit limit or see what you’re spending, simply and clearly.

Thumb-friendly bankingWith our Mobile Banking app, you can stay in touch with your money when you’re out and about, 24 hours a day. It’s available for all the main smartphone systems, and it’s completely free of charge.

Register online.Click tsb.co.uk/internetbanking

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Getting to grips with the details.Our credit cards all offer different benefits and come with different interest rates. This table helps you compare credit cards and shows the repayments you’d need to make if you had £1,200 outstanding on your account. It also shows how much interest you’d pay if you made the minimum payment each month, and how long it would take to pay things off.

If you need help to understand what this table means for you, please ask us in branch.

TSB Platinum, Classic and Student Credit Cards

Platinum Representative

18.9% or 23.9% APR variable

Classic Representative

25.9% APR variable

Student Representative

19.9% APR variable

Monthly payment (if you spend £1,200 on your Platinum or Classic Credit Card Account or £1,000 on your Student Credit Card Account)

If you pay the minimum payment each month

If you pay £50 each month





Without taking into account any introductory rates, how much interest will you be charged?

£200.53 or £248.88

£181.09 or £229.41

£267.75 £248.79 £176 £151

How much interest will you pay the next year?

£177.53 or £220.16

£102.13 or £141.17

£236.77 £158.21 £156 £62

When will you clear the balance?

19 years 10 months or 20 years 5 months

2 years 7 months or 2 years 10 months

20 years 7 months

2 years 11 months

18 years 5 months

2 years 2 months

These above examples assume the following:• The transaction takes place on 1 January and you make no further transactions• You always make the payment each month on the 15th• Your statement is produced on the 1st of each month.

TSB Avios Credit Card Account and TSB Premier Avios Credit Card Account

Avios Representative

17.9% APR variable

Premier Avios Representative

23.7% APR variableMonthly payment (if you spend £1,200 on your Credit Card Account)





Without taking into account any introductory rates, how much interest will you be charged?

£191 £172 £150 £133

How much interest will you pay the next year? £169 £95 £133 £68

When will you clear the balance? 19 years 8 months

2 years 7 months

10 years 5 months

2 years 10 months

TSB Premier Avios Credit Card Account representative 23.7% APR (variable) includes the annual fee.

These above examples assume the following:• The transaction takes place on 1 January and you make no further transactions• You always make the payment each month on the 15th• Your statement is produced on the 1st of each month.

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The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

APR Representative 18.9% or 23.9% APR (variable) for PlatinumRepresentative 25.9% APR (variable) for ClassicRates vary from 18.9% APR (variable) to 25.9% APR (variable), depending on individual circumstances.

Interest rates Introductory rate Monthly rate Effective annual rate

Purchases 0% p.a for purchases. This rate is fixed for 20 or 15 months from when we open your account. For Classic accounts – 0% for 10 months from when we open your account.

1.456%, 1.805% or 1.941%

18.94%, 23.95% or 25.95%

Cash Withdrawals N/A 1.456%, 1.805% or 1.941%

18.94%, 23.95% or 25.95%

Balance Transfers See below 1.456%, 1.805% or 1.941%

18.94%, 23.95% or 25.95%

For Platinum 0% p.a. on balance transfers you make in the first 90 days after we open your account. This rate is fixed for 20 or 15 months from the date when we open your account. For Classic 0% p.a. on balance transfers you make in the first 90 days after we open your account. This rate is fixed for 10 months from the date when we open your account depending on individual circumstances. We may apply the standard interest rate during any special promotion period to any transaction if any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.

0% interest period

Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time. No 0% interest period on balance transfers or cash withdrawals.

Interest charging information

You will not pay interest on purchases if you pay the full balance shown on your previous and current statement on time. Otherwise, the period over which interest is charged is as follows:

From Until

Purchases Date debited to your account Paid in full

Cash Withdrawals Date debited to your account Paid in full

Balance Transfers Date debited to your account Paid in full

Allocation of payments

If you don’t pay your balance in full we will allocate payments to balances with the highest interest rate before balances with lower interest rates. See section 6.1 of the terms and conditions for full details.

Minimum repayment

An amount equal to the total of interest, default charges and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).

Credit limit Minimum credit limit Subject to status.

Maximum credit limit Subject to status.

Fees No annual fee.

Charges Cash Withdrawals 3% or minimum £3.

Balance Transfers 2.95% of the amount of each balance transfer you make within the first 90 days of opening your account. 3% of the amount of each balance transfer you make after 90 days of opening your account.

Copy statements £6 for copies of non-current statements.

Copies of transactions £5 for each copy of a record of a transaction.

Foreign usage Payment Scheme Exchange Rate

Indicative rates can be found at www.mastercard.com/global/currencyconversion

One or more of the following may apply: Non-sterling transaction fee 2.95% of the amount of the sterling transaction value.

Cash fee 3% or minimum £3.

Default charges

Late Payment charge £12

Returned Payment charge £12

Overlimit charge £12

Summary - TSB Classic and Platinum Credit Cards

http://www.mastercard.com/global/currencyconversion/index.html


APR Representative 19.9% APR (variable)


Purchases N/A 1.527% 19.94%

Cash Withdrawals N/A 1.527% 19.94%

Balance Transfers N/A 1.527% 19.94%

We may apply the standard interest rate during any special promotion period to any transaction if in any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.

0% interest period




From Until






Minimum repayment



Maximum credit limit £1,000. Subject to status.

Fees No annual fee.


Balance Transfers 3% for each individual balance transfer.





One or more of the following may apply: Non-sterling transaction fee

2.95% of the amount of the sterling transaction value.

Cash fee 3% minimum £3.

Default charges Late Payment charge £12



Summary - TSB Student Credit Card

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APR Representative 17.9% APR (variable)Rates vary from 17.9% APR (variable) to 23.9% APR (variable), depending on individual circumstances.


Purchases N/A 1.385%, 1.527% or 1.805%

17.95%, 19.94% or 23.95%

Cash Withdrawals N/A 1.385%, 1.527% or 1.805%

17.95%, 19.94% or 23.95%

Balance Transfers See below 1.385%, 1.527% or 1.805%

17.95%, 19.94% or 23.95%

0% p.a. on balance transfers you make in the first 90 days after we open your account. This rate is fixed for 6 months from the date when we open your account. We may apply the standard interest rate during any special promotion period to any transaction if any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.

0% interest period




From Until






Minimum repayment




Fees No annual fee.













Summary - TSB Avios Credit Card Account



APR Representative 23.7% APR (variable) including the fee.


Purchases N/A 1.094% 13.95%

Cash Withdrawals N/A 1.094% 13.95%

Balance Transfers See below 1.094% 13.95%

0% p.a. on balance transfers you make in the first 90 days after we open your account. This rate is fixed for 6 months from the date when we open your account. We may apply the standard interest rate during any special promotion period to any transaction if any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.

0% interest period Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time.No 0% interest period on balance transfers or cash withdrawals.



From Until




Allocation of payments If you don’t pay your balance in full we will allocate payments to balances with the highest interest rate before balances with lower interest rates. See section 6.1 of the terms and conditions for full details.

Minimum repayment An amount equal to the total of interest, default charges and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).



Fees An annual fee of £50 if you do not hold a TSB Premier current account.











Returned Payment charge

£12


Summary - TSB Premier Avios Credit Card Account

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Important information.The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply. If you have a hearing or speech impairment you can contact us using Text Relay (previously Typetalk) or Textphone on 0345 835 3848. If you need to be called back and would like us to call you through Text Relay or Textphone, please tell us when you call.

The TSB Avios American Express® Card and the TSB Premier Avios American Express® Card are issued and administered by TSB pursuant to a licence from American Express®. American Express® is a registered trademark of American Express® Company.

MasterCard® and the MasterCard® Brand Mark are registered trademarks of MasterCard® International Incorporated. The TSB Avios Rewards MasterCard® is issued by TSB pursuant to a licence by MasterCard International Incorporated.

If you’d like to borrow for the longer term, a personal loan from TSB might suit you better. If you’d like to find out more, please call us on 0800 111 4166, visit tsb.co.uk/loans or drop in to any TSB branch where we’ll be happy to help. The amount we are able to lend you depends on our assessment of your circumstances.

At TSB, we pride ourselves on being a responsible lender, so we only want you to borrow what you can afford and in a way that’s best for you. If you’d like to talk to us about your choices, or if you’re in financial difficulty, we have an experienced team who can answer any queries you may have.

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Terms and Conditions: TSB Avios Credit Card Account and TSB Premier Avios Credit Card Account.Your TSB Avios Credit Card Account is a single Credit Card Account, with a single credit limit, operating with two Credit Cards, a TSB Avios American Express® Card and a TSB Avios MasterCard® Card.

TSB Avios Terms and ConditionsThis is an agreement between you, the main cardholder named in the Avios Credit Card agreement (or the main Cardholder in any other eligible Credit Card agreement), and us TSB Bank plc that sets out the conditions for collecting Avios (“TSB Avios Conditions”) under the TSB Avios Scheme. TSB Avios Conditions will also be subject to the conditions in the Avios Credit Card conditions (“the Credit Card Conditions”) and the Terms and Conditions between you and Avios (“Avios Conditions”) for the Avios Scheme (“the Scheme”). Words used in these TSB Avios Conditions beginning with a capital letter are defined in the Credit Card Conditions. The TSB Avios American Express® Card and the TSB Premier Avios American Express® Credit Card are issued and administered by TSB pursuant to a licence from American Express®. American Express® is a registered trademark of American Express® Company.

OTHER DEFINITIONS:

Eligible Purchase – a Purchase made by you or the additional cardholder except for Transactions within condition 3.1 of the TSB Avios Conditions.

Foreign Exchange Transaction – all Transactions in a currency other than pounds sterling apart from those listed in condition 3.1 of the TSB Avios Conditions.

Avios – a trading name of Avios Group (AGL) Limited, a company registered in England (registered number 2260073).

Avios: the Avios you collect for each Eligible Purchase.

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1. How to take part1.1 You can participate in the TSB Avios Scheme if:

• you are the main cardholder under an Avios Credit Card agreement

• you are 18 or over

• you are resident in the United Kingdom, Channel Islands or Isle of Man

• you have registered with us and opened an account with Avios (to whom you must supply an address in the UK, Channel Islands or Isle of Man) for participation in the TSB Avios Scheme

• you are a personal customer. Businesses, partnerships, clubs, and other unincorporated associations are not eligible.

1.2 We will suspend your right to collect Avios if you fail to observe the Credit Card Conditions, the TSB Avios Conditions, or if your account with Avios is terminated under one of the terms of the Avios Conditions. If we do this we will also terminate the Avios Credit Card Account and any other Credit Card Account you may have with us.

1.3 We will not be responsible for any losses on the occurrence of any of the following events where such events are caused by factors beyond our reasonable control:

• delay in opening an account with Avios;

• unauthorised redemption of Avios;

• failure or delay by Avios or any other person to provide goods or services;

• loss or damage caused by goods or services supplied or requested in connection with the Scheme.

2. How to collect Avios2.1 You can collect Avios for Eligible Purchases.

2.2 We may introduce other ways of collecting Avios. We will tell you about these if we do.

2.3 Information about the Avios for Eligible Purchases you have collected will be included on your monthly Avios Credit Card statement, but you will have less than the number of Avios that appear in that statement if we have deducted Avios since that statement because you have made transactions that are not Eligible Purchases. You may not receive a monthly statement if you have not used your Avios Credit Card or the balance on your account is nil.

2.4 You must check your monthly statement and notify us immediately if you do not agree with the Avios collected for that period. We will correct the Avios collected if it is shown to our reasonable satisfaction to be wrong.

2.5 TSB Avios Credit Card Account holders will collect 1 Avios for every £1 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Avios American Express Card, and 1 Avios for every £5 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Avios MasterCard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios Account and so any portions of an Avios will be disregarded. TSB Premier Avios Credit Card Account holders will collect 1.25 Avios for every £1 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Premier Avios American Express Card, and 1.25 Avios for every £5 spent on Eligible Purchases which are not Foreign Exchange Transactions using your TSB Premier Avios MasterCard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios Account and so any portions of an Avios will be disregarded.

2.6 TSB Avios Credit Card Account holders will collect 2 Avios for every £1 spent on Foreign Exchange Transactions using your TSB Avios American Express Card, and 2 Avios for every £5 spent on Foreign Exchange Transactions using your TSB Avios MasterCard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios account and so any portions of an Avios will be disregarded. TSB Premier Avios Credit Card Account holders will collect 2.5 Avios for every £1 spent on Foreign Exchange Transactions using your TSB Premier Avios American Express Card, and 2.5 Avios for every £5 spent on Foreign Exchange Transactions using your TSB Premier Avios MasterCard or any other higher rate we may decide. We will tell you which rates apply. Any remaining balance of less than £1 or £5 respectively will be disregarded when your spend is converted into Avios at the end of each

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statement period. Only whole Avios collected at the end of each statement period can be recorded on your Avios Account and so any portions of an Avios will be disregarded.

2.7 You will collect 1,500 Avios for each whole amount of £1,000 spent on a Balance Transfer. Bonus Avios are only awarded on whole multiples of £1,000s (£1,000, £2,000, £3,000 etc.) transferred from a single provider. For example, bonus Avios would not be rewarded on a balance transfer of £999 or if the transfer is split between more than one credit or store card.

2.8 Under condition 4.1, we may change the rate at which we award Avios. If we reduce this rate we will give you 30 days’ notice in writing.

2.9 From time to time we may offer bonus Avios on special promotions.

2.10 You may not spend your Avios until they have been recorded on your Avios Account in accordance with the Avios Conditions.

3. Restrictions on the use of Avios3.1 You will not collect Avios for the following

Transactions:

• cash withdrawals

• money transfers

• cheques

• interest, fees or charges

• Payment Protection Cover

• transactions at casinos, betting outlets or bookmakers

• payments to offline or online current, savings, sharetrading, spread betting, gambling or any other similar account.

3.2 If we credit a refund to your Avios Credit Card Account for a Purchase we will deduct the number of Avios you collected on that Purchase.

3.3 You cannot collect Avios if:

• you are in breach of the Credit Card Conditions or of the conditions of any other TSB Credit Card Account;

• you are in breach of the TSB Avios Conditions;

• we have closed your Avios Credit Card Account or you have closed it; and

• in the event that your Avios Credit Card Account is closed because you have become bankrupt.

3.4 In the event that we have to investigate whether you have made an Eligible Purchase we may suspend your right to collect Avios.

4. Variation4.1 We may change any of the terms of the TSB

Avios Conditions or replace them with a new loyalty scheme at any time for the reasons listed in the ‘Changes’ section of the Credit Card Conditions. We will do this by giving you 30 days’ notice in writing. If you are not happy with the change, you can terminate these TSB Avios Conditions within 60 days of us writing to you about the change.

4.2 If you terminate the TSB Avios Conditions for any reason your Avios Credit Card Account will also be closed.

5. Termination and Transfer5.1 We will give you at least 30 days’ notice in writing

before we end the TSB Avios Scheme.

5.2 We may transfer all of our rights and obligations under these TSB Avios Conditions without any further consent. By agreeing to the Credit Card Conditions and the TSB Avios Conditions you agree that we may disclose or transfer all information we hold about you to a prospective or actual new owner. Such a disclosure will not affect your rights.

6. Your Information and Avios6.1 Our Privacy Statement, the terms of which

you agreed to when entering into the Avios Credit Card agreement, sets out our rights to use your personal data. In addition, you agree that we can share your personal data with Avios. You may receive statements and information from Avios relating to the Scheme. Avios will use your personal data to administer your Avios Account and may contact you with information and offers from Avios and Avios scheme partners, to help you collect and use/spend your Avios. In processing your data Avios will act in accordance with their privacy policy. If you do not want your personal data to be shared between Avios and us or to receive marketing communications from third parties, please contact us on 0844 49 333 99 or contact Avios via its website at avios.com or by writing to Avios, PO Box 90, Birchwood, Warrington WA3 7WE.

6.2 If you do not agree to us sharing your personal data with Avios we will close your Avios Credit Card Account.

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YOU MUST ALSO READ THE AVIOS CONDITIONS, WHICH CAN BE FOUND AT www.avios.com/ukterms

If there is a conflict between the Credit Card Conditions and TSB Avios Conditions on the one hand and the Avios Conditions on the other, the Avios Conditions shall prevail insofar as the relevant rules affect or purport to affect the Avios Scheme. Avios and the Avios logo are trademarks of the British Airways Plc group of companies. Avios is a trading name of Avios Group (AGL) Limited. Registered Office: Astral Towers, Betts Way, London Road, Crawley, West Sussex RH10 9XY. Registered in England Company No. 2260073. Avios are held and issued for use subject to Avios’ Terms and Conditions.

TSB Premier Avios Companion Ticket

Terms and Conditions1. One Companion Ticket will be awarded per

customer per year subject to a minimum Credit Card spend of £15,000 per year. £15,000 spend threshold excludes balance transfers, refunded purchases, interest, fees and other charges.

2. To qualify for a Companion Ticket the cardholder must have spent a minimum of £15,000 in the 12 months preceding the anniversary of opening the TSB Premier Avios Credit Card Account. In each subsequent year cardholders will qualify if they have spent a minimum of £15,000 in the preceding 12 months. Companion Tickets are limited to one per year. A year will commence on the anniversary of the Credit Card Account.

3. Cardholders will be notified if they have qualified for a Companion Ticket via a voucher on their Avios online Account approximately four weeks after reaching the spend threshold of £15,000.

4. Companion Tickets must be booked online by visiting avios.com for queries please contact 0844 493 3399.

5. The Companion Ticket voucher will be valid for a period of 12 months. Your booking must be made within 12 months after which time the Companion Ticket voucher will expire.

6. Companion Tickets are available on British Airways flights only when used in conjunction with economy class bookings that are purchased with Avios (excluding airline taxes, fees and charges). Cash-only purchases shall be excluded. British Airways routes are subject to change and availability.

7. Companion Tickets are subject to availability, Avios Terms and Conditions and the payment of airline taxes, fees and charges.

8. Cardholders’ use of Companion Tickets will be limited to one ticket per booking.

9. The ‘Companion’ must travel to the same destination as the cardholder and be accompanied by the cardholder in order to take advantage of the Companion Ticket.

10. Companion Tickets cannot be used in conjunction with any other offer and are non-transferable and non-refundable.

11. Neither the Bank nor Avios can guarantee that a cardholder will be able to use a ‘Companion Ticket’ on a particular flight.

12. Avios reserve the right to withdraw or amend this offer upon providing reasonable notice.

13. Avios cannot accept responsibility for problems arising from computer malfunctions, viruses or bugs or other such causes, which may prevent you from taking advantage of this offer.

14. RFS is available to Avios members who have collected 1 Avios in the preceding 12 months and who book a British Airways operated and marketed flight to a destination in Avios zones 1-3. RFS enables the member to pay a cash price of £35 per person in respect of taxes, fees and carrier charges on a qualifying flight in economy class in place of the actual taxes, fees and carrier charges applicable to the booking. RFS is not available on any British Airways codeshare, BA partner flights or bookings containing any BA partner. The price quoted for RFS is correct at the time of going to print but may be subject to change.

All bookings are strictly subject to availability which may be very limited or not available on some routes at certain times especially during peak periods. The total number of seats available for Avios bookings will vary from route to route and from week to week depending on commercial demand. Please visit the Explorer map for the latest availability. All bookings are subject to Avios terms and conditions and the Carriers conditions of carriage.

Avios Group (AGL) Limited. Registered Office: Astral Towers, Betts Way, London Road, Crawley, West Sussex RH10 9XY. Registered in England Company No. 2260073. Avios are held and issued for use subject to Avios’ Terms and Conditions.

If you’d like this in another format such as large print, Braille or audio please ask in branch.If you have a hearing or speech impairment you can contact us using Text Relay (previously Typetalk) or Textphone on 0345 835 3848 (lines are open 24 hours a day, seven days a week).If you need to call us from abroad, or prefer not to use our 0345 number, you can also call us on 01733 347 174.

Calls may be monitored or recorded. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

Clicksafe® is a registered trade mark and is used under licence by TSB Bank plc.

TSB Bank plc. Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Information correct as at June 2015

TSB10290 (06/15)

Other ways we can help…For everything from current accounts and loans, to mortgages and savings, we’re here to help. Just go online, ask a member of our team or pick up a brochure in branch.

Call 03459 758 758Click tsb.co.uk Visit Drop into your local branch

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