Topman credit card review | 24.9% rep. apr | Finder UK

Topman credit card review

Last updated:  

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

The Topman 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.

Finder rating: ★★★★★

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

£0

Account fee

Up to 1,500 points

Intro bonus

Earn 1 point

per £1 spent

Details

IssuerNewDay Ltd
NetworkMastercard
Annual/monthly fees£0
Balance transfers24.94%
Balance transfer fee5%
Purchases24.94%
Purchases interest-free periodUp to 56 days
Cash advances34.95%
Min credit limit£500
Max credit limitNot specified
Additional cards available4
IncentiveEarn 2 points for every £1 spent at Topman and other Arcadia Group stores and online, and 1 point for every £1spent elsewhere. Bonus 500 points on second Topman purchase which equals a £5 voucher.
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 fee5%
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

Expert review

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Review by


Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.

Expert review

If you’re in the market for a credit card and consider Topman as the staple supplier of your wardrobe, the Topman Mastercard may catch your interest.

Like with its Topshop sister card, if you’re itching to start shopping immediately, you can get same-day credit to use on online purchases through the Topman website.

You can also get up to £15 worth of bonus points to spend at Topman when you sign up, and will receive double reward points on all Topman and other Arcadia brand purchases. Naturally, reward points can only be spent at Topman, giving the card limited appeal to those who like to mix it up with their sartorial shopping choices.

However, beyond the Topman-specific perks, the card itself is fairly standard, with a relatively average APR and up to 56 days interest-free on purchases.

So unless you’re a Topman tragic and are certain to make the most of the double reward points, it’s probably a good idea to at least consider alternative cards.

The Topman 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

  • Earn points on day-to-day spending
  • Up to 1,500 points introductory bonus
  • No annual fee

Cons

  • Relatively high balance transfer fee

Other reward cards

Table: sorted by representative APR, promoted deals first
Data updated daily
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
More Info
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
More Info
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
More Info
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 Rewards Credit Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.2% (variable)
Check eligibility
More Info
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).
American Express Platinum Cashback Everyday Card
£100
1% cashback
1% cashback
£0
22.2% (variable)
Check eligibility
More Info
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the 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.

Repayment options

You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone (0333 220 2531). 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

Applying for a Topman credit card

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

Find a UK store credit card

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