The credit card that treats you

If you enjoy shopping, you’ll love the Debenhams Credit Card.
(In fact even if you’re not a big fan of shopping, we think you’ll still love it!)
That’s because with a Debenhams Credit Card you earn points every time you spend – whether you’re buying an occasional treat or every day purchases.
If you qualify for Instant Spend, you’ll also save 10% online for a week after you open your account. And every three months, we turn all the points you earn into vouchers, so you can treat yourself on us.

How the card works

  • Use your card when you shop
    When you shop in store or online at, and wherever you see the Mastercard sign, use your Debenhams Credit Card.
  • Earn points
    Each time you use your Debenhams Credit Card you’ll automatically earn points:
    You’ll earn 3 points for every £1 you spend at Debenhams and
    And 1 point for every £2 you spend everywhere else
    The more you use your Debenhams Credit Card the more points you’ll earn!
  • Treat yourself with Debenhams Reward Vouchers
    Every three months we’ll convert your points into Debenhams Reward Vouchers and send them to you with your Debenhams Credit Card statement. So you can treat yourself in any UK Debenhams store when you fancy.
  • £5 worth of bonus points in your first statement
    To help get you off to a flying start, we treat you to 500 Bonus Points in your first statement – which gives you a £5 Reward Voucher to spend.

See our terms and conditions page for further details of these offers

Apply online now

Plus get these fabulous benefits

As well as earning points towards vouchers every time you use your Debenhams Credit Card, you’ll enter world of brilliant benefits, including:

  • Free delivery on your new purchases – When you make a purchase on 
with your Debenhams Credit Card you’ll enjoy free standard delivery.
  • Lunch or afternoon tea for less – Feeling peckish? Treat yourself to something delicious in one of our restaurants or cafés and you’ll save 10% when you pay with your Debenhams Credit Card.
  • More to spend on holiday – Show your Debenhams Credit Card when paying for your travel money at the Debenhams Travel Money bureau and you’ll automatically get a better rate, giving you more to spend on your trip!
  • Invitations to special shopping events – We regularly invite our cardholders to special events where you can treat yourself to shopping discounts and other exciting offers.
  • More time to pay – As long as you only use your card for purchases and pay the full balance on time every month, you can get up to 56 days interest free credit.
  • Share the love (and reap the rewards) – Earn points more quickly and share the rewards of a Debenhams Credit Card by giving an additional card to your partner or family member. To apply, just call 0333 220 2519.
  • Priceless Cities – unlock unique experiences that are exclusive to Mastercard® cardholders. Find out more.

See our terms and conditions page for further details of these offers

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling.
 Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

Apply online now

Credit only available to over 18s and subject to status is provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The retailer, Debenhams Retail Plc, acts solely as a credit broker and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 692718. Registered office: 10 Brock Street, Regent’s Place, London, NW1 3FG. Registered in England and Wales. Registered number: 00083395.

Frequently Asked Questions

Debenhams Personal Finance
Loyalty Rewards

With a Debenhams Credit Card you’ll earn Reward Points every time you spend. We’ll convert them into Debenhams vouchers that you can spend in store. It’s that simple.
Representative 24.9% APR variable

Apply nowCredit is provided by NewDay Ltd. Terms & Conditions apply, subject to status, over 18s only.

Loyalty Rewards


  • SHOP
    In store & online at
  • EARN
    Points and receive reward vouchers
    Spending your rewards back at Debenhams