0% Interest on Balance Transfers

Save money on interest you are paying on other cards by transferring your balance to your Debenhams Credit Card.
0% interest for 12 months if completed within 6 weeks of account opening.

How do I make a transfer?

To transfer a balance follow these 4 simple steps

  1. Apply for a Debenhams Credit Card.
  2. Call us on 0333 220 2666* after you receive your card.
  3. Tell us the 16 digit number of the card(s) you wish to transfer a balance from.
  4. Tell us how much you want to transfer and we will do the rest.

How much can I transfer?

  1. You can transfer more than one balance but only up to 95% of your available credit limit. All Balance Transfers and transfer fees must be within the 95% available credit limit. If the amount you want to transfer exceeds the limit, we may allow you to transfer part of the balance.
  2. The minimum balance transfer amount is £100.

Who can I transfer a balance from?

  1. You can transfer balances from the majority of UK credit cards.
  2. You cannot transfer balances from store cards or any other card provided by NewDay.
  3. You will need to be the primary cardholder to transfer a balance.

What else do I need to know?

  1. 0% for 12 months from the date that the transfer is completed. The transfer must be completed within 6 weeks of account opening.
  2. A fee of 2.99% of the amount of your Balance Transfer applies to each transfer. Once we have started to process your Balance Transfer, the fee cannot be refunded. The fee(s) will be shown on your monthly statement following the transfer.
  3. All Balance Transfers are subject to our approval.
  4. We will withdraw the 0% promotional rate if you fail to make your minimum monthly repayments on time and/or exceed your credit limit.
  5. At the end of the 0% promotional period, your applicable standard purchase rate will apply to any remaining balance.
  6. If you have a Direct Debit set up to pay off your balance in full each month, your full Balance Transfer amount will also be collected. Please call Card Customer Service team on 0333 220 2519* to amend your Direct Debit to cover at least your minimum monthly payments or a greater amount of your choice, so that you can take full advantage of your Balance Transfer.
  7. If you repay your balance in full each month, please be aware that if you leave your Balance Transfer on your account, we will charge interest on purchases you make from the point that those purchases are added to your account balance. This means that no interest free period will apply to those purchases until your outstanding balance, including the Balance Transfer, is paid in full.
  8. A Balance Transfer can take up to 10 working days to be completed.
  9. You should continue making monthly repayments to your existing card provider until the transfer shows on your account with them.
  10. We reserve the right to withdraw this offer at any time.

Can I take multiple 0% promotion offers in addition to having a 0% balance transfer on my account?

You can make as many 0% promotional offer purchases as you like in addition to having a 0% balance transfer on your account provided that each promotional purchase qualifies for the promotional rate and that you do not go over your credit limit.

You will need to make your minimum monthly payments as stated above.

Apply online now

Important Information

*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, Monday – Friday 8am – 9pm, Saturday 9am – 5pm and Sunday 10am – 6pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

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: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 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