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?

Debenhams Reward Vouchers quarterly

£0

HOW THE CARD WORKS

  • Use your card when you shop
    When you shop in store or online at debenhams.com, 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 debenhams.com
    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 welcome book
    To help get you off to a flying start, we treat you to 500 Bonus Points* in your welcome book – which gives you a £5 Reward Voucher to spend.

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

CARD BENEFITS
  • 10% off your first purchase if you 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
  • Free delivery on your new purchases – When you make a purchase on debenhams.com 
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! Plus, if you have a Debenhams Credit Card you can now pay for your Travel Money Fee Free*.
  • 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.
  • 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.
  • Reward your passion for beauty – Earn 6 points for every £1 when you use your Debenhams Credit Card and Beauty Club Card together in store or online. Join our Beauty Club here.

important documents

Representative Example

Representative

24.9%APR (variable)

Interest rate on purchases

24.94%P.A (variable)

Assumed credit limit

£1200

Terms & Conditions

If you qualify for Instant Spend, you will benefit from 10% off at Debenhams.com 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 Debenhamswedding.com. Cannot be used in conjunction with any other offer. 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 £3,000 per day. This is the maximum amount you can spend on your card to purchase foreign currency in Debenhams stores.

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 2017 (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.