Debenhams credit card review

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This card is no longer available, but you can use our review to find alternatives.

The Debenhams credit card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).

24.9%

Representative APR

12 months

0% interest on balance transfers

£0

Account fee

Up to 500 points

Intro bonus

Details

IssuerNewDay Ltd
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 12 months reverting to 24.94%
Balance transfer fee2.99% for 12 months reverting to 5%
Purchases24.94%
Purchases interest-free periodUp to 56 days
Cash advances34.95%
Min credit limit£500
Max credit limitNot specified
Additional cards available3
IncentiveEarn 3 points for every £1 spent at Debenhams, and 1 point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.
Minimum Age18
ResidencyUK resident, lived in the UK for last 12 mths, current UK bank account, a home or mobile phone number and regular income
AvailabilityAvailable to new customers
Annual/monthly fees£0
Balance transfer fee2.99% for 12 months reverting to 5%
Foreign usage charge (EU)2.75%
Foreign usage charge (rest of world)2.75%
Cash advance fee3% (min. £3)
Late payment fee£12
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
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Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

For no annual fees, this card lets you earn points every time you spend (more so when you shop at Debenhams, unsurprisingly) and rewards you with Debenhams vouchers at a very decent rate.

You can also transfer your old balance on the card and enjoy its 0% for 12 months reverting to 24.94%, but keep in mind that its 2.99% for 12 months reverting to 5% balance transfer fee isn’t exactly the cheapest available on the market.

Debenhams’ credit card is provided by NewDay Ltd, a specialist UK-based provider of storecard and loyalty card schemes, and is issued on the Mastercard network, meaning it can be used at more than 35 million merchants and ATMs worldwide and you can also enjoy Mastercard’s special Priceless Cities benefits.

The Debenhams credit card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.

M&S Bank Shopping Plus Credit Card

M&S Bank Shopping Plus Credit Card

  • 0% on balance transfers for 20 months
  • 0% on purchases for 20 months
  • No annual fee

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

Promoted

Pros and cons

Pros

  • A year of 0% interest on balances transferred to focus on reducing your card debt
  • Earn points on day-to-day spending
  • Up to 500 points introductory bonus
  • No annual fee

Cons

    Other reward cards

    Table: sorted by representative APR, promoted deals first
    Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Link Incentive Representative example
    M&S Bank Reward Plus Mastercard
    500 points
    2 points per £1 spent
    1 point per £5 spent
    £0
    19.9% (variable)
    Check eligibility
    Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
    Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
    M&S Bank Transfer Plus Mastercard
    500 points
    1 point per £1 spent
    1 point per £5 spent
    £0
    21.9% (variable)
    Check eligibility
    Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
    Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
    M&S Bank Shopping Plus Credit Card
    500 points
    1 point per £1 spent
    1 point per £5 spent
    £0
    21.9% (variable)
    Check eligibility
    Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
    Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
    American Express Platinum Cashback Everyday Card
    £100
    1% cashback
    1% cashback
    £0
    22.2% (variable)
    Check eligibility
    New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Cashback earn rates will change from the 4 August.
    Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
    American Express Rewards Credit Card
    5,000 points
    1 point per £1 spent
    1 point per £1 spent
    £0
    22.2% (variable)
    Check eligibility
    As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
    Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
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    Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

    Looking for perks?

    • Rewards.
      You’ll earn points each time you use the Debenhams credit card, but at a better rate when you use it in Debenhams. Every three months the points are converted into vouchers and sent to you along with your statement. Debenhams also regularly run introductory offers such as “welcome points”. The card also comes with an array of additional benefits.
      Learn more about rewards cards
    • 0% on balance transfers.
      If you have an outstanding balance on another credit card, that needn’t stop you from switching to a new card issuer. With a 0% balance transfer facility, you can bring outstanding debt across to the new card and enjoy an interest rate of 0% on it for a promotional period. Remember however that there is normally a transfer fee to pay for this service, which is usually a percentage of the balance.
      Learn more about 0% balance transfer cards
    • 0% on selected purchases.
      If you’re planning a significant expenditure and want to spread the cost, a card with 0% interest on purchases can allow you to do so without paying interest. You’ll want to make sure that your particular purchase is allowed under the terms, and make a note of when you’ll start paying interest on purchases.
      Learn more about 0% purchase cards

    Want more?

    You’re in luck! But remember perks are there to lure you in, and you’re going to want to carefully assess whether the perks will leave you better off than if you opted for competitor card. Try to work out roughly how much money you’d actually earn through the perks and reward points, and take this figure into account when you compare cards. Once you’ve taken out a reward card, try not to obsess on your running points total and end up making purchases you don’t need.

    • Free delivery on your Debenhams purchases. If you make a purchase on Debenhams’ website, you’ll get standard free delivery.
    • Additional cards. You can nominate up to three additional cardholders, provided they are aged over 18, are your spouse, partner or other close relative, a UK resident, and live at the same address as you.
    • Online account management. You can register to use Debenhams’ online account management facility. Through this, you can make payments, check the available balance on your card, update your details and carry out a range of other tasks involved in servicing your account.

    The verdict

    With no annual fee and a fairly generous rewards points programme, the Debenhams Mastercard offers a decent rewards-based deal, especially those who do a lot of their shopping at Debenhams. And the perks don’t stop there. You’ll also get free delivery on Debenhams purchases as well as 0% interest on balance transfer for the first 12 months (albeit with a balance transfer fee).

    The Debenhams Credit Card offers a balanced range of features and incentives especially aimed shoppers. Obviously if you’re already a big fan of the brand, you’ll stand to benefit more than most.

    Repayment options

    You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone (0300 220 2519). Alternatively, you may wish to set up a direct debit.

    A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

    You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

    Choose from the following direct debit options for your monthly repayments:

    Minimum amount Fixed amount Fixed percentage Full amount

    How to apply

    Sorry – NewDay Ltd is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

    Eligibility requirements

    To qualify for a Debenhams credit card, you must:

    • Be 18 years or over
    • Be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)
    • Have a current UK bank account and a mobile phone number
    • Not already have a Debenhams Card
    • Have a regular income
    • You must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit

    Why might your application not be approved?

    If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. Also, if you have been made the subject of a CCJ you may not be accepted, and are unlikely to be given a card if you have ever declared bankruptcy.

    Browse UK retail rewards cards

    We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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