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.
Topman credit card review
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: ★★★★★
Doing its job: 4/5
In a nutshell:
Up to 1,500 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||4|
|Incentive||Earn 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.|
|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|
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.
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.
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
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.