Before you begin

We should be able to give you a decision within 5 minutes.

To apply for this card, you will need to:


  • be aged 18 or older
  • be a resident in the UK
  • have a regular income
  • be free from any County Court Judgements, aren’t currently bankrupt, and not subject to an Individual Voluntary Agreement
  • not have applied for a Bank of Scotland Credit Card and been declined, within the last 30 days.

You will need the following details to hand:


  • your current UK address details, plus your previous address if you’ve moved in the last 3 years
  • annual income before tax
  • main bank account number and sort code
  • email address and phone number
  • any non-Bank of Scotland credit or store card(s) (which must display a Visa®, Mastercard® or Amex® logo), if you want to make a balance transfer as part of this application. You can also apply for a balance transfer later within Internet Banking or over the telephone.

  • You will find out if you are successful about halfway through the application.
  • If you are successful your new card will arrive in 7 days.
  • Our application is completely secure and we will not share your information with anyone else.
  • To ensure your details are safe we’ll clear your application if you are away for 10 minutes or longer.
  • You can request an additional card for your family members or someone else over 18 years old after you have successfully applied. Further details are on our existing customers page.

Bank of Scotland credit cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000.Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.