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Filter Pay Full Debit Card

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Annual/Monthly Fee: £15/mo | Personal Card

Discover your welcome offer

UP TO 10,000
Filter Pay Points

Get rewarded for your everyday spending. Enjoy welcome points, no fees abroad, and fast delivery to start using your card in days.

Apply, and if approved:

  • 15x points per £1 spent
  • 2No fees abroad
  • 3Travel insurance included
  • 42x points on flights
Quick & Easy

Open your account in minutes

Apply online with no impact to your credit score. Enjoy the freedom of a premium debit card.

Payment flexibility

Enjoy the flexibility to decide how you pay for each purchase.

Track your spending

View all your finances in one place. Set budgets, stay on track with reminders.

No credit impact

Applying for the card won't impact your credit score.

Pay
GPay

Works everywhere

Add your card to Apple Pay or Google Pay and start shopping right away.

How you earn

Experience the ultimate credit card designed exclusively for your lifestyle.

5x Points
On every single purchase

5x Points

Accelerate your rewards. Earn 5 points for every £1 spent, everywhere you go, with absolutely no caps.

20,000 Points
Exclusive Sign-up Bonus

20,000 Points

Valued at £125 toward luxury bookings when you spend £1,500 in 30 days. Plus, your first month is on us.

Global Protection
Travel insurance

Global Protection

Fly Anywhere
Redeem worldwide

Fly Anywhere

Statement Credit
Ultimate flexibility

Statement Credit

Prefer cash? Convert your points directly to statement credits for everyday purchases.

All Basic Benefits
Zero FX fees & more

All Basic Benefits

Enjoy everything from our free tier, including zero foreign transaction fees and purchase protection.

Redeem points for tech, lifestyle, and travel you'll actually use.

OSIN RESTURANT

OSIN RESTURANT

Spend, Save and
get paid back for it. One card. Every reward.

Monthly Spend£1,500
Each year get either
Dining
+£65
Shopping
+£80
Lounges
+£90
Tickets
+£70
Flights
+£25
Cashback
+£15

Purchase protection on your big buys

Shop with confidence knowing your eligible purchases are fully protected. From damaged goods to undelivered items, we've got you covered so you can spend without the worry.

Purchase Protection

Your money is safe
with Filter Pay Secure

With Filter Pay Secure, you're entering the new era of money security — where your account has 24/7 protection through proactive, purpose-built defences and a team of specialists.

Filter Pay Secure Shield
Airplane and travel

Travel more,
Worry less.

Airport lounge access, travel insurance, eSIMs & more.

Transform daily purchases into Flight Rewards

Earn 1 airline mile for every 5 Filter points you collect.

Turn your everyday spending into unforgettable journeys. Every morning coffee, grocery run, or weekend dinner brings you closer to your next dream vacation with our premium travel partners.

Elderly Couple at Airport
Premium airport lounge interior

Unlock premium airport lounges

Skip the crowded terminal and relax in style. Gain access to exclusive, comfortable airport lounges globally when you travel with your Filter card.

Skip the foreign exchange fees

  • Use Filter Pay Card anywhere in the world mastercard is accepted.
  • Shop securely at home or abroad, and spend in other currencies with no foreign exchange fees from Filter Pay.
  • Order your physical card in the app for even more flexibility.
Travel without fees
Filter Pay App on Phone

How it works

1.

Activate your card in minutes

Go to the Filter Pay app and activate your card in minutes.

2.

Make a purchase with your card

Your card will be ready in the app. You can add it to your digital wallet to start shopping online and in-store anywhere Mastercard is accepted.

3.

Choose how to pay per purchase

Tap on a Filter Pay purchase in the app and select a payment plan that works best for you. Choose to pay in full or spread the cost over 3 to 12 months.

Find the right card for you

Features
Free
Full
Gold
Points per £1 spent
1x
5x
5x
Zero foreign transaction fees
Use points on flights
Worldwide travel insurance
Sign-up bonus
2,000 pts
20,000 pts
20,000 pts
Monthly/Annual fee
£0
£15/mo
£40/mo or £480/yr
Representative APR
25%
38%
150%
Full Credit Experience

Full Credit Card

Personal

Unlock exclusive rewards, zero FX fees, and premium travel benefits.

Pricing

£15/mo

Man relaxing on the beach

Hundreds of exclusive rewards.

Discover endless ways to upgrade your lifestyle every single day.

Filter Pay Card

Ready to upgrade your wallet?

Check your eligibility in under 60 seconds. Our soft-check won't impact your credit score, so you can explore your options risk-free.

Got questions?

Everything you need to know

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