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.
Miss Selfridge Mastercard review April 2020
Frequent Miss Selfridge shoppers can collect points to redeem in store or online.
The Miss Selfridge Mastercard lets you earn reward points on all your spending, and you’ll earn them at a higher rate when you use your card at any Arcadia brand.
Finder rating: ★★★★★
Doing its job: 4/5
In a nutshell:
Up to 1,000 points
Earn 1 point
per £1 spent
|Balance transfer fee||5%|
|Purchases interest-free period||Up to 56 days|
|Min credit limit||£500|
|Max credit limit||Not specified|
|Additional cards available||3|
|Incentive||Earn 2 points for every £1 spent at Miss Selfridge and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points for certain good credit actions.|
|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|
|Balance transfer fee||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|
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.
The Miss Selfridge Mastercard can be used for spending both at Miss Selfridge and elsewhere – which means you can be collecting reward points when you’re filling up at the petrol station or doing your groceries, for example. As you might expect though, you’ll earn more points per pound when you shop with Arcadia brands.
There are a few crucial points to be aware of, however:
First off, if you carry a balance on this card from month to month (rather than clearing your balance in full), then what you pay in interest is likely to outweigh any rewards you’ll earn. If you do clear your balance in full every month, you should be able to avoid paying interest altogether.
Secondly, if you get approved for this card, the interest rate you’re offered may differ from the advertised representative APR – which card issuers are only obliged to award to 51% of their customers. New Day (the company that issues the card) will assess each applicant’s financial circumstances and credit history and offer a personalised credit limit and potentially a personalised rate too.
Finally, as part of the Arcadia group, Miss Selfridge very nearly vanished from high streets in June 2019, and its future remains far from assured. As such you may be reluctant to stockpile reward points.
But provided you’re aware of – and OK with – these factors, then used carefully, this card does offer appealing rewards to regular Arcadia group customers. What’s more, you can even bag some extra points just by signing up for “e-servicing” or setting up a direct debit for repayments – which points-or-no-points is a smart move – protecting you from late fees and damage to your credit score.
How does this card compare with other similar cards on the market?
Miss Selfridge’s card
Other rewards cards
When it comes to repayments, you can make manual repayments online or over the phone (0334 984 0263), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee 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 for the Miss Selfridge Mastercard
If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.
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