The credit card that treats you

With a Debenhams Credit Card you earn points every time you spend – whether you’re spending in Debenhams or making everyday purchases. You can then turn your earn’t points into Gift Cards, so you can treat yourself on us.

If you qualify for instant spend, you’ll also save up to 10%*

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!
  • Convert your points into Gift Cards in your Online Account Manager or in your e-servicing app in 3 easy steps!2
    Step 1: Sign up for the Online Account Manager or download the e-servicing app
    Step 2: Go to the rewards page and follow the on screen instructions
    Step 3: Enjoy your Gift Card online or in-store!
  • £5 Welcome Gift Card3
    To help get you off to a flying start, we treat you to a £5 Welcome Gift Card to spend when shopping with your Debenhams Credit Card at or in participating Debenhams stores.
  • Use with your Digital Wallet
    You can make fast and secure purchases online, through apps or in-store. Add your card to your Digital Wallet to start making purchases instantly with your devices. For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay.

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

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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 exclusive to cardholders, including:

  • Free delivery on your new purchases – When you make a purchase on with your Debenhams Credit Card you’ll enjoy free standard delivery.
  • 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.

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Frequently Asked Questions

*1 10% off with Instant Spend: If you qualify for Instant Spend, you will benefit from 10% off at for one week from the date of account opening. Your unique promotional code will be emailed to you on approval. Exclusions apply: The promotional code cannot be used in certain departments including Gift Cards, Financial Services, selected concessions and on Cannot be used in conjunction with any other offer. Offer excludes Maisons du Monde and Swoon. See for details.

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

2 You will be able to convert your points into digital Gift Cards (whenever your points balance is 200 or above). In addition, we will automatically convert your total points balance into a digital Gift Card (if the balance is 200 or above) on a quarterly basis (normally every February, May, August and November). We will email you to confirm that your Gift Card is ready following any such automatic conversion. See our Rewards Terms and Conditions for full details

3 Your £5 Welcome Voucher will be emailed to you once you have activated your Debenhams Credit Card. It can only be used when making purchases using your Debenhams Credit Card at or in participating Debenhams stores. Terms and conditions apply – please see the email containing your £5 Welcome Voucher for full 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 2017 (Ref no: 555318) for the provision of payment services. The retailer, Debenhams Retail Ltd, 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: 334-348 Oxford Street, London, England, W1C 1JG. Registered in England and Wales. Registered number: 00083395.