Debenhams credit card review
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.
24.9%
Representative APR
12 months
0% interest on balance transfers
£0
Account fee
Up to 500 points
Intro bonus
Details
Issuer | NewDay Ltd |
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Network | Mastercard |
Annual/monthly fees | £0 |
Balance transfers | 0% for 12 months reverting to 24.94% |
Balance transfer fee | 2.99% for 12 months reverting to 5% |
Purchases | 24.94% |
Purchases interest-free period | Up to 56 days |
Cash advances | 34.95% |
Maximum credit limit | Not specified |
Additional cards available | 3 |
Incentive | Earn 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 age | 18 |
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Residency | UK resident, lived in the UK for last 12 mths, current UK bank account, a home or mobile phone number and regular income |
Availability | Available to new customers |
Annual/monthly fees | £0 |
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Balance transfer fee | 2.99% for 12 months reverting to 5% |
Foreign usage charge (EU) | 2.75% |
Foreign usage charge (rest of world) | 2.75% |
Cash advance fee | 3% (min. £3) |
Late payment fee | £12 |
Exceeding limit fee | £12 |
Additional card fee | £0 |
Dormancy fee | £0 |

Review by
Chris Lilly
chris.lilly@finder.comChris 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.
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
Approval for any credit card will depend on your status. The representative APRs shown represent 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 |
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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.