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
- 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).
Pros and cons
- Earn points on day-to-day spending
- Up to 1,500 points introductory bonus
- No annual fee
- Relatively high balance transfer fee
Other reward cards
Table: sorted by representative APR, promoted deals first
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.
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:
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