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.

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1 - 20 of 183
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
Credit builder card finder
Credit builder card finder
APR (variable)
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Barclaycard finder
Barclaycard finder
APR (variable)
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Overall representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
The NatWest Credit Card (existing customers only)
12.9% APR (variable)
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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)
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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 Credit Card Rewards Offer Mastercard
21.9% APR (variable)
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Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
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).
Royal Bank of Scotland Balance Transfer Credit Card (existing customers only)
21.9% APR (variable)
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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).
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
21.9% APR (variable)
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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 Shopping Plus Credit Card
21.9% APR (variable)
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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)
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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 (existing customers only)
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).
M&S Bank Credit Card Transfer Plus Offer Mastercard
21.9% APR (variable)
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1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
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 Select Cashback Business Credit Card Mastercard
21.9% APR (variable)
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Get 1% cashback uncapped on all your business spend and an additional 2% cashback on all spend with BT and EE. T&C's 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).
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).
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
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).
Tymit Credit Card
22.4% APR (variable)
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Representative Example: Rep. APR 22.4% (variable). This means for a purchase of £100 at 22.4% spread over 12 months, you'll pay a total of £111.39 (12 payments of £9.28). No annual fee.
HSBC Purchase Plus Credit Card
22.9% APR (variable)
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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).
NatWest Business Credit Card (only 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).
RBS Business Credit Card (only 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® Credit Card
26% APR (variable)
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New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. 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. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
The American Express Rewards® Credit Card
26% APR (variable)
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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 26% (variable) p.a., your representative rate is 26% APR (variable).
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