Credit Card - your questions answered

With a Debenhams Credit Card or Debenhams Store Card you can enjoy exclusive cardholder privileges and benefits that make shopping special. Credit Card - find out more.

With a Debenhams Credit Card you can pay for goods at over 24 million places around the world, and you collect Reward Points every time you use it. A Debenhams Store Card can only be used in Debenhams stores and at debenhams.com and is an easy and convenient way to pay for all your purchases.

Online application for a Debenhams Card is simple and takes just a few minutes. Once you've applied you'll receive a special voucher in the post to save 10% on your next card purchase in store at Debenhams (some departments, products and services excluded). Apply for a Debenhams Card now

Debenhams Gold Cards are offered as a special reward for our most loyal customers. If you use your card on a regular basis, you could be invited to become a Debenhams Gold cardholder and receive even more benefits, such as 20% discount in all Debenhams cafés and restaurants and free online delivery. Gold Cardholder benefits - find out more

Once you have completed your application online, your Debenhams Card will be sent to you within ten working days (subject to approval). When it arrives, remember to sign the back of your card, and you're ready to shop at Debenhams in store or online at debenhams.com. You'll also receive a special voucher to save 10% on your next purchase in store at Debenhams. If you have a Debenhams Credit Card, you must call us to activate it on 0871 522 5050. Calls cost 10p per minute plus network extras. Lines open Monday to Friday 8am to 8pm, Saturday and Sunday 9am to 5pm. Calls may be recorded and monitored for training and security purposes.

You'll earn 1 point for every £1 you spend on your Debenhams Credit Card at Debenhams, and 1 point for every £2 spent anywhere else. Your Debenhams Credit Card is accepted at over 24 million places around the world. The more you use your Debenhams Credit Card, the more Reward Points you'll collect. Use your Debenhams Credit Card for everyday things like shopping or filling up the car to bigger expenses like holidays, and see how quickly your Reward Points add up.

Every 3 months we'll automatically convert the Reward Points you've collected by spending on your Debenhams Credit Card into Reward Vouchers. Your Reward Vouchers can be used to treat yourself to whatever you want at Debenhams, when you pay with your Debenhams Credit Card. Reward Vouchers are sent out in January, April, July and October, so keep an eye out for them in the post.

Yes. You can view your Debenhams Card account online, make payments and contact Customer Services through the account management area of Debenhams Personal Finance. Just make sure you're registered with us first (once you've registered you'll receive your details and password via email within 24 hours).

If you supplied us with your email address when applying for your Debenhams Credit / Store Card then we have already registered you, just use the temporary password we emailed you.

For your security we log you out of the account management area after 10 minutes of inactivity. We do this to protect you from unauthorised access to your account details if your computer is left unattended.

Log on to the account management area of the site (under ‘Manage my account') and send an email to the Customer Services team, or call the Card Customer Services helpline on 0871 522 5050 (Calls cost 10p per minute plus network extras. Lines are open 24 hours, 7 days a week. Calls may be recorded and monitored for training and security purposes). You need to register for this service.

In the future we may decide to change your interest rate, this may be due to your account performance or perhaps changes to the UK economy.  In these circumstances we will inform you of any changes by post. To find out more about your rights and further information around Credit Card / Store card re-pricing then please click here to read these independent re-pricing FAQs by the UK Cards Association.

If your Card has been lost or stolen you should report it to us immediately on our Lost and Stolen Card Helpline - 0871 522 5050 (Calls cost 10p per minute plus network extras. Lines are open 24 hours, 7 days a week. Calls may be recorded and monitored for training and security purposes). We will stop all transactions and will arrange for a replacement card to be sent to you as soon as possible.

We will never ask for your security or personal details by email. If you receive such an email, follow the steps below:

• Do not click on any links or open any attachments within the email.
• Forward your email to Santander Cards, at phishing@santandercards.co.uk
• Delete the email from your inbox

Please be assured that we take these reported incidents seriously.

If you want to know more about security and banking, please visit www.banksafeonline.org.uk which has been set up for the UK banking industry.

Santander Cards UK Limited is the credit card provider for the Debenhams Cards. If you'd like to find out more, please visit Santander Cards UK.

This is a voluntary code of practice which sets standards for financial institutions to follow when they are dealing with their personal customers in the United Kingdom.  You can access the consumer guide to the code here The Lending Code.