Ocean Credit Card Login

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Ocean Finance is a credit card, loan and mortgage Financial Institution established in 1991 in Staffordshire, United Kingdom. In the early 2000s and 1990s, it became famous for its advertising and promotion on its own channel named Sky TV. This financial institute is owned by the Think Money Group, and they offer credit cards jointly with Capital One.

Moreover, if you have a low credit score and are not able to apply for another credit card, then the ocean credit card is for you! This credit card is primarily for people with a low credit score. Furthermore, it has a low credit limit between £200 and £1,500 as this amount is enough to start your credit-building journey.

Eligibility Criteria

To apply for this ocean finance credit card, you need to check the eligibility criteria. Here we are mentioning a few of the points from their eligibility criteria:

  • You must be at least 18 years of age.
  • Must have a UK address
  • You must wait for an invitation to open an account first.
  • Must be a UK citizen.

How to Apply for the Ocean Credit Card?

To begin with the application process, you need to download this app. Available on Android and Apple.

Via website

Via website

You need to fill out the information below:

  • Personal Data: Your first name, address, DOB, and email address.
  • Identity Information: Now, you need to show your proof of identification with an authentic government ID or driver’s license.
  • Employment Data: You need to add your salary details, role, and salary details.
  • Financial Information: This may include your assets and investments, including expenses, debts and other liabilities

Further, you need to log on to the Ocean finance website so you can start the above process.

How To Log In For An Ocean Credit Card?

Via website

Via website

To login for  your Ocean credit card, you just need to follow the given steps below to get it done:

  • Go to the ocean Finance website
  • Now input Your username and password and Log in
  • Once login you can start accessing the different features.

Pros and Cons of Ocean Credit Card


  • Easy mobile app management of the account
  • It is ideal for people with poor credit scores
  • Capacity to use the card to improve your credit rating over time
  • No annual fee for using this credit card


  • This card has a high-interest rate
  • The APR is high, which is quite challenging to pay every month
  • There is a fee of 2.75 which you have to pay if you use the card abroad
  • The late payments will be charged on this credit card


Ocean Finance credit card is ideal for anyone struggling with their credit score or someone who doesn’t have a present credit history. Further, it has a low credit limit that shall keep you within the required utilization rate, which will help you build the credit over time.

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