Tui Credit Card Review

Tui Credit Card
Tui Credit Card

Saving up for your next holiday? Would be nice, right? Well, you could at least get a head start with the Tui Credit Card.

The Tui Credit Card earns you loyalty points wherever you shop, even for everyday purchases like groceries or petrol. Once you’ve accrued at least 2,500 points, you can redeem them when you make your next purchase from the holiday company TUI (formerly Thomson) using your TUI Credit Card.

Here’s everything you need to know about the Tui Credit Card – from exclusive rewards through to eligibility, rates and fees. And if you’re still not sure if it’s the right card for you, you can compare similar cards from other providers.

Key details

IssuerNewDay Ltd
NetworkMastercard
Rep. APR19.9% p.a. (variable)
Annual/monthly fees£0
Loyalty schemePoints
IncentiveEarn points towards your next holiday every time you spend. Earn 1 point per £1 when spending on Tui/First Choice. Earn 1 point per £2 for spend elsewhere. For every 100 points you get £1 to redeem
Incentive on opening£25 of reward points to spend on next purchase with TUI
Additional Rewards InfoNo credit card fees when you use your Tui Credit Card to purchase a holiday in a Tui travel shop or on tui.co.uk or firstchoice.co.uk. Fee free travel money when you use your Tui credit card in a Tui shop or at money4travel.
Purchases0% for 3 months reverting to 19.94%
Purchases interest-free period (days)56
Balance transfers19.94%
Annual/monthly fees£0
Balance transfer fee5%
Foreign usage charge (EU)2.75%
Foreign usage charge (rest of world)2.75%
Cash advance fee3% (min. £3)
Late payment fee£12
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
ResidencyUK resident, lived in the UK for last 12 mths, current UK bank account, a home or mobile phone number and regular income
AvailabilityAvailable to new customers
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).

Pros and cons

Pros

  • Earn TUI reward points on all purchases.
  • Introductory voucher offer for new cardholders who spend in TUI.
  • Increased reward points earn rate for TUI or First Choice bookings.
  • No fees if you change your travel money at a TUI shop.
  • 0% introductory offer on purchases.
  • No annual fee.

Cons

  • Foreign transaction fees.
  • Balance transfer fee.
  • Minimum 2,500 points required to redeem
Comparison ordered by representative APR with affiliated products shown first.
Updated June 19th, 2019
Name Product Purchases Annual/monthly fees Rep. APR Incentive Representative example
9.9%
£0
9.9% p.a. (variable)
Earn 2,500 bonus Membership Rewards points when you spend £1,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
0% for 6 months reverting to 19.9%
£0
19.9% p.a. (variable)
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 or 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).
0% for 20 months reverting to 19.9%
£0
19.9% p.a. (variable)
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).
19.9%
£0
19.9% p.a. (variable)
Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
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).
0% for 18 months reverting to 22.9%
£0
22.9% p.a. (variable)
Earn 1 Membership Rewards® point for every £1 spent.
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).
22.9%
£0
22.9% p.a. (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
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).
22.9%
£0
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
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).
22.9%
£0
22.9% p.a. (variable)
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
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).
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% p.a. (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
22.9%
£25 per annum
28.2% p.a. (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0333 220 2670), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Tui Credit Card

It’s straightforward to apply for the Tui Credit Card online, and it typically takes around 10-15 minutes. As part of the application process, NewDay (who issues the card) will run a credit search. In most cases, whether your application is rejected or approved, you’ll get an instant decision.

Following approval, your TUI Credit Card will be sent to you within 7-10 working days. When it arrives you’ll need to call TUI on 0800 915 2205 to activate it.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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