Qualifying Criteria

  • 18 years or over with a regular income
  • UK bank account and home or mobile number
  • Permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)
  • No card from Debenhams already

Quick Eligibility Check

How do your Debenhams Credit Card points add up?

You could earn

£0 Debenhams Reward
Vouchers quarterly

Card Benefits

  • Up to 20% off online for a week when you apply before 21 May and qualify for instant spend1
  • 500 bonus points worth a £5 voucher in your welcome book2
  • Earn 3 points for every £1 you spend at Debenhams on your Debenhams Credit Card and 1 point for every £2 you spend everywhere else
  • Fee Free Travel Money and preferential rates at the Debenhams Travel Money bureau when you pay with your Debenhams Credit Card3
  • Plus for a limited period collect 1 point for every £1 of Travel Money purchased using your Debenhams Credit Card4

important documents

Representative Example


24.9%APR (variable)

Interest rate on purchases

24.94%P.A (variable)

Assumed credit limit


Terms & Conditions

1Up to 20% off with Instant Spend: If you qualify for instant spend you will receive 20% discount on women’s, men’s, kids’, home and 10% discount on concessions furniture, electricals, toys, gifts, beauty, lingerie and fragrance. Only available online at debenhams.com on reduced and full price items. For qualifying new customers who apply between 15/05/2018 and 21/05/2018 inclusive, you will receive promotional discount codes in a welcome email that you can use to obtain your discount. Please use the codes with your temporary card to obtain the discount. The codes will be valid for a week from account opening. Items much be purchased in one transaction and only one discount code may be applied to each transaction. Cannot be used in conjunction with certain other offers, discounts, promotions, staff or Privilege Cards. Offer excludes Maisons du Monde and Swoon.

If you do not qualify for instant spend you will not receive this discount.

2500 Bonus Points Offer: The 500 bonus points will arrive in your welcome book in the form of a £5 Reward Voucher. The Reward Voucher can only be used in Debenhams stores when spending on your Debenhams Credit Card.

3Travel Money: Only available for Debenhams Credit Card customers. Not applicable to Debenhams Store Cards, Privilege Cards, New Day Colleague Store Card and Point of Sale Discount Card. You will not accrue any loyalty points when you purchase Travel Money using your Debenhams Credit Card. If you have a Debenhams Credit Card, your Travel Money Limit is 75% of your overall Credit Limit, up to a maximum of £1,000 per day. This is the maximum amount you can spend on your card to purchase foreign currency in Debenhams stores.

4Cardholder Points Collection: Points can be collected on travel money purchases made on your Debenhams Credit Card in store and online. They cannot be collected on Prepay Travel Money Mastercard purchases. You will collect 1 point for every £1 exchanged. The points will be added to your account within 30 days of the promotion ending. Debenhams reserves the right to alter, cancel or withdraw this offer without prior notice. Offer valid 14 May – 30 June 2018 (inclusive).

See our terms and conditions page for further details. 

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.