Which banks let you pay your credit card bill by direct debit?

Setting up a direct debit for your monthly card bill is a smart way to protect your credit record. Search all the personal cards on the market to find out your options.

Miss a credit card repayment and you’ll likely see a dent in your credit score, making it harder to get approved for cards, loans or a mortgage in the future. In addition, if you’re currently enjoying an introductory 0% interest promotion you’ll risk losing this rate.

To make sure this can’t happen, it’s become a popular choice to set up a direct debit to cover at least the minimum required payment each month. You’ll usually be offered this facility when you apply for a card, but different card issuers offer a few different options:

  • A direct debit for the minimum amount. This is the cheapest option in the short-term, but the most expensive over the long run. You’ll arrange to pay only the minimum amount each month, which is typically around 2% of your outstanding balance.
  • A direct debit for a fixed amount. For those who like strict budgeting, with this option you’ll state in advance exactly how much you want to pay each month. If you’re clearing an outstanding debt, and you’re not using your card for additional spending, this can be a great way to get debt-free in a timeframe that suits you.
  • A direct debit for a fixed percentage. This is the least common option offered. You’ll arrange to pay a fixed percentage of the outstanding balance each month. Naturally it will need to be more than the minimum required payment.
  • A direct debit for the full amount. This is the most expensive option in the short-term, but cheapest over the long run. You’ll arrange to clear any debt you’ve built up each month. With most cards offering up to 55 days interest-free each billing cycle, choose this option and you could avoid interest altogether.

You can use the interactive table below to search the card that you have in mind to quickly find out your options.

Search credit cards

Name Product Direct debit for minimum amount Direct debit for fixed amount Direct debit for fixed percentage Direct debit for full amount Representative APR Link Incentive Representative example
Fleetmaxx Solutions fuel cards
Fleetmaxx Solutions fuel cards
APR (variable)
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The NatWest Credit Card (existing customers only)
12.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
The Royal Bank Credit Card (existing customers only)
12.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
M&S Bank Rewards Offer Mastercard
19.9% APR (variable)
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Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Santander Everyday No Balance Transfer Fee Credit Card
20.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 20.9% p.a. (variable), your representative rate is 20.9% APR (variable).
Santander Everyday Long Term Balance Transfer Credit Card
20.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).
M&S Bank Shopping Plus Credit Card
21.9% APR (variable)
Check eligibility
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
HSBC No Fee Balance Transfer Credit Card Visa
21.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Barclaycard Business Select Cashback Credit Card
21.9% APR (variable)
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Earn 1% cashback on eligible spend. T&Cs apply
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
M&S Bank Transfer Plus Offer Mastercard
21.9% APR (variable)
Check eligibility
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
HSBC Balance Transfer Credit Card
21.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
21.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
21.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
HSBC Purchase Plus Credit Card Visa
22.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Santander All in One Credit Card
23.7% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
Royal Bank of Scotland Business Credit Card (available to existing business customers)
24.3% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
NatWest Business Credit Card (available to existing business customers)
24.3% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
British Airways American Express Card
24.5% APR (variable)
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Limited time offer: Earn 10,000 bonus Avios when you spend £1,000 in your first 3 months. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
American Express Platinum Cashback Everyday Card
24.5% APR (variable)
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Earn £20 per friend/family member that successfully applies for an American Express card (Excl. Basic card) through the Referral Programme, up to a maximum of £150 per year. The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
American Express Rewards Credit Card
24.5% APR (variable)
Check eligibility
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
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