No official plans. I think Tom mentioned at Investival last year that they were exploring the idea (but made very very clear he wasn’t announcing anything!).
I suppose with the current push on revenue it all depends on how much money it would make.
That all said, I’m v keen to see what Starling does with a credit card.
I’d definitely be interested in a Starling credit card, but their ‘later this year’ has a habit of not happening, so I’ll believe it when I see it 
Hope I’m wrong, it would be great to have a modern credit card. I’m trying out Tymit, but not sure what I think yet, and Starling’s app is better and more polished.
Totally agree @jzw95. Fed up with Tesco CC where there is nothing I want to spend the points on. R-
‘Later this year’ doesn’t quite have the same ring to it as ‘
’
Agree @RichardL - much less disappointment involved. R-
Would people be happy with a ‘regular’ credit card from Monzo or Starling, or will it need to have at least one of
- interest free purchase period
- balance transfer offer
- cashback in some form
- metal card
I suspect that the offers or cashback will be costly in the short to medium term for Monzo. The likes of Barclaycard and Amex have many more customers paying enough interest and not using the points to make these offers do-able
Hopefully the app integration and budgeting features will be one area where these cards can stand out from crowd
I’d be very interesting in Starlings / Monzo’s credit card offering.
The only thing I hope for though is that it’s market leading and not a wholly different product (like weird ‘transparent’ ways of charging me that turn out to be financially unbeneficial)
I wouldn’t need any of those perks to get a Monzo credit card. I would just want:
- Debit card and credit card on different card networks (one on Visa, one on Mastercard)
- Fee-free international spending
I’d assume of course if would benefit from all the standard Monzo app features (instant transaction info, rich transaction info, spending analytics, etc).
What @o99 says. I mainly want something where transactions give a notification and appear instantly in a feed in a nice app. Ideally it would appear in the Monzo app so everything is in one place, but I’d settle for having it in a separate app (e.g. Starling).
Personally, just integration into a more robust, better thought through version of Summary would be a win. And the ability to automatically set money aside from the current account etc.
With their different visions on what they think a bank should be, I can imagine the following:
Starling Credit Card - A product more akin to the credit cards we are used to, but most likely with fee free overseas spending, instant notifications, statement in app (obviously) and possibly a competitive interest rate (and hopefully a decent interest free period)
Monzo Credit Card - Obviously the expected (instant notifications, etc), but I could see a credit card being much more integrated into the Monzo app, possibly a dedicated C/C pot that could be set up to pay the bill, linking to Monzo’s existing budgeting features, and of course, a snazzy coloured card.
But as both cards are currently just speculation, we’ll have to wait and see just what they do offer when they arrive.
Yes the key to me is a card on the other network. I have a VISA credit card I’d be happy to ditch, but only for another VISA card and a comparable credit limit. Most offerings seem to be Mastercard at the moment.
MasterCard have a slightly better exchange rate which is an important factor.
Personally, I don’t really care about what network the card is on. For years all I had were cards on the Visa network and it never caused me any problems. Don’t see why Mastercard would be any different.
Dont thiink there is going to be much in it for what I spend. I mostly use one of my debit cards. Might be good to have a card on each network? R-
Nor do I, until that network goes down. In the days of taking a physical impression of the card and signing a slip of carbon paper it wasn’t a problem. I don’t leave the house - and certainly would not travel - without cards on at least two networks.
I get the theory, but in my experience the more likely problem is that a shop’s network is down and they can’t accept any card payments at all. In my several decades of using cards, I’ve never been anywhere that had a problem with a single card network. Not saying it can’t happen, just that it’s not a high enough risk that I’m going to put any effort into doing anything about it. 
That could go against making a profit though. I think that should they ever launch a credit card, it would be a tough judgement call as to how ‘easy’ it is to set aside money for the bill.