Bank of Scotland credit cards

Find the best Bank of Scotland credit card deal for you

Established in 1695, Bank of Scotland is the second oldest bank in the UK as it stands today. Bank of Scotland merged with Halifax in 2001 to create HBOS – which then became a key part of the Lloyds Banking Group in 2009.

The Bank of Scotland supplies several credit cards to service different consumer needs, from its Platinum deals which offer 0% interest on purchases and balance transfers, to a basic credit card for students. However, you will not be able to make balance transfers from cards which are also provided by HBOS brands, so shop around thoroughly and find the next best alternative.


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Guide to Bank of Scotland credit cards

Bank of Scotland offers a range of credit cards including balance transfer deals as well as cards to make every day purchases. 

The cards cover customers against online fraud and have no annual fees. The amount you can borrow will depend on your individual circumstances. Additional ‘authorised users’ can be added to each account and the bank offers around the clock customer service for its credit card customers.

Bank of Scotland credit cards are fully regulated by the Financial Conduct Authority (FCA).

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

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