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Mint Balance Transfer?

Can you make a Mint balance transfer? Is the Mint credit card still available in the UK? We see these types of questions frequently.

Mint Balance Transfer

The Mint balance transfer credit card was a UK credit card, issued by Royal Bank of Scotland.

The card was unusual in in the UK card market, in that the Mint credit card had a distinctive appearance The Mint card had a curved shape on the bottom left corner, rather the more normal rectangular shaped credit cards seen elsewhere.

New card applications are currently unavailable for the UK Mint credit card. However, existing card customers can still use their Mint card for their day to day spending.

Mint Credit Card UK

The Mint credit card in the UK, is not currently accepting new card applications from any new customers. As a result, it is not possible to make a new 0% balance transfer to the Mint card, from any other UK credit card.

Existing Mint credit card customers in the UK, can however, still make a transfer. Customers can balance transfer their outstanding balance to many of the other UK balance transfer cards. There are a number of balance transfer deals for existing customers available online.

All of the following popular featured 0% cards will currently accept a Mint balance transfer in the UK:-


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Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
1%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer Low Fee*
  • 0% interest for 28 months on balance transfers made within first 60 days of account opening
  • 1% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer Low Fee*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You have not held a credit card with HSBC Bank in the last 6 months
Low Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)
No balance transfers allowed to this card from Co-operative credit cards

Card Offers

Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for up to 12 months
Representative APR:
34.9% APR (variable)

Card Details

Post Office Classic
  • 0% on balance transfers for up to 12 months
  • 2.9% balance transfer fee
  • 0% on purchases for up to 12 months
  • Credit limit up to £8,000
  • Online account management
  • Annual Fee: None

Application Criteria

Post Office Classic
  • You are a UK resident
  • You have a bank or building society account
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)
No balance transfers allowed to this card from Capital One or Post Ofice credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 24 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 24 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 24 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

The Mint credit card was issued by Royal Bank of Scotland. This does however, means that transfers to any other RBS balance transfer credit card, is not allowed. RBS like the other UK card issuers do not allow balance transfers between cards issued by the same company.

The Mint balance transfer card when it was available to new applicants offered customers 0% deals on both balance transfers, and also on purchases.

The Mint credit card was also unusual in that it also offered customers a bonus 0% balance transfer offer. This bonus offer was available after the initial 0% introductory balance transfer offer had finished. This bonus 0% balance transfer offer was however, for a shorter period of around 6 months. This is much shorter than the longer introductory offer periods now more widely available.

The Mint credit card was issued as a MasterCard credit card. This means that the card is accepted all around the world, at the millions of locations that accept MasterCard debit and credit cards.


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Published: May 19, 2022, Updated: June 16, 2022 by Balance Transfer Expert

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