Terms and Conditions

New accounts with instant spend: 20% discount on women’s, men’s, kids’, home and 10% discount on furniture, electricals, toys, gifts, beauty and fragrance. Available online at debenhams.com on reduced and full price items for new accounts. 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.

Items must be purchased in one transaction and only one discount code may be applied to each transaction. Selected concessions, brands and departments may be excluded, see debenhams.com/terms for details. Cannot be used in conjunction with certain other offers, discounts, promotions, staff or Privilege Cards. Offer excludes Mac, Make Up For Ever, Urban Decay, Tom Ford and Kat Von D, men’s formal suits, men’s toiletries, Call it Spring, B by Ted Baker, Kids: Levi, Baker by Ted Baker, Silver Eight, Route 66, Crocs and Just Sheepskin, Activity Superstore, flowers, hampers, wine. Selected concessions/brands are excluded. The Offer is not valid against the purchase of food services, financial services, gift experiences, gift vouchers, gift cards, personalised wedding stationery or at debenhamsplus.com, debenhamsflowers.com, debenhamscurtains.com, debenhamstailoredshirts.com and debenhamsboxoffice.com.

If you do not qualify for instant spend then you will not be able to redeem this discount.

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.

These terms and conditions are governed in accordance with the laws of England and Wales.

Reward Vouchers

Reward Vouchers are issued on a quarterly basis in conjunction with your Debenhams Credit Card statement and are valid until the date stated on your voucher. The Reward Voucher cannot be used in respect of financial services, purchases of gift cards and vouchers or at Debenhams food outlets. Please see loyalty terms and conditions with your card for full details.  If you have less than 500 points at the date of redemption, your points will be carried forward.

500 Bonus Points Offer
To be eligible for the 500 bonus points you must spend on Debenhams Credit Card. The 500 bonus points will arrive in your first statement in the form of a £5 Reward Voucher. The Reward Voucher can only be used in Debenhams stores when spending on your Debenhams Card. Debenhams Retail Plc reserves the right to withdraw or amend any of these cardholder privileges at any time. Terms and conditions apply, see your welcome pack for full details.

Card Benefits Terms

  1. Free standard delivery applies when you spend online at debenhams.com with your Debenhams Credit Card. Standard UK delivery only.
  2. Cafés and restaurants are available in selected stores; check your local store for more details.
  3. Customers must present their Debenhams Credit Card when paying for your travel money at the Debenhams Travel Money bureau.
  4. Additional cardholders must be aged 18 and over. They will share your account and credit limit. You’ll be responsible for all use and payments of the Card by the additional cardholder and you’ll have one record of all transactions made on the Card. To apply, call 0333 220 2519Calls 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 and monitored for training and security purposes and to help us manage your account.

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 debenhams.com
  • EARN
    Points and receive reward vouchers
    Spending your rewards back at Debenhams