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Spread the cost - BMI Card

Spread the cost of healthcare with twelve months’ interest free credit - typical 9.9% APR (variable) thereafter. Choose a credit limit that suits you - to £20,000 (subject to status). Fund the medical care you need now. And enjoy the same interest free payment terms on every additional purchase – for up to two years.

Making healthcare affordable

The BMI Card is a unique credit card that allows you to spread the cost of healthcare. Prompt treatment, expert surgeons, comfortable facilities, caring staff. Choose a BMI hospital nearby and a time slot that suits you - because you're in control of your treatment.


Please note, at times consultants may not accept payment via the hospital and prefer to be paid directly. If this is the case, then you will not be able to use the BMI Card to pay for these fees. Check with your chosen hospital to ensure you understand whether your total costs can be paid for with your BMI Card.

Got insurance, but finding gaps in policy provision? The BMI Card allows you to manage the cost of any treatment that falls outside of your plan. Access services not usually covered like health screening or fertility treatment whenever and wherever you need them.

Fund private healthcare with twelve months' interest-free credit

Our repayment terms are simple, flexible and affordable. So why wait for an operation? Your minimum monthly payment, due the month after treatment is just 5% of the outstanding balance on your card statement, or £25, whichever is greater or the outstanding balance shown on the statement if less than £25). Pay in full, within twelve months, and you can finance your operation without paying a single penny in interest.

Attractive interest rate

Choose a credit limit that suits your circumstances – to £20,000 (subject to status). Fund the treatment you need now and enjoy twelve months' interest free credit on any amount that you owe. Vary your monthly repayment each month or commit to a regular fixed payment via direct debit or standing order for added peace of mind.

Balance still outstanding after one year? Spread the cost of your treatment for as long as you need to thanks to our flexible, financing. Just keep on making payments at your own pace until you clear your account in full. After 12 months interest reverts to 0.79% per month, typical 9.9% APR variable.

This facility is limited to applicants aged 18 years or over and living in England, Wales or Scotland, and is subject to normal credit checking procedures and our conditions overleaf. BMI Healthcare reserves the right to refuse any application at its absolute discretion.

The interest rate and APR for any healthcare purchase will be 0% for the first twelve months starting with the date the purchase is debited to your account. Thereafter, interest will be charged on the remaining balance of the account - current rate 0.79% per month, typical 9.9% APR variable.

With your permission, we will contact your bank or building society, which must be inside the EU, for a reference and to confirm your name and address.

Repeat Purchases 

The BMI Card is available for use in any of our 66 private hospitals and clinics across the UK for a period of two years from the date the account is created.

Pay for the operation you need now and finance any subsequent treatment.

Make repeat purchases on your BMI Card (subject to available credit), and benefit from 12 months' interest free credit every time you use it. Typical 9.9% APR variable thereafter.

Once your BMI Card expires it's easy to renew. Carry on paying for yourself with our flexible financing further down the line.

No Annual Charge 

There's nothing else to pay! The BMI Card has no annual charge or membership fee.

Your security 

The Credit Agreement is regulated by the Consumer Credit Act 1974. A written quotation is obtainable on request.

How to apply

If you wish to apply for a BMI Card please read the terms & conditions here and retain a copy for your records. You can apply by any of the methods below:

  • Download an application form, and within adobe reader you can complete this on your laptop or PC and then email the completed form to us at
  • Print off an application form, complete, scan a copy and email the form to us at
  • Print off an application form, complete and post to us at

    BMI Card Team
    BMI Business Services
    10 Eden Place
    SK8 1AT

  • Speak to your local hospital who can help with applications
  • Contact us on 0161 216 2500 and select option 1 and then 2 (a signed application form will need to be sent to us at the address above)

The BMI card is a credit facility offered by BMI Healthcare Limited.

Applications of up to £7,000 can be approved within 48 hours of receipt of the signed agreement. Amounts over this can take up to 2-3 weeks to process and please allow additional time for postage.


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