Debenhams Credit Card - Debenhams

Debenhams Credit Card (MasterCard)

24.9 % AER
APR Representative
12 months
Interest free balance transfers
  • 2.99 % (minimum £ 0) balance transfer fee
  • Cashback
  • Rewards
    • Apply by:
Rewards as you spend with Debenhams and elsewhere
Regular Debenhams shoppers get most benefit
Representative 24.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 24.94% (variable) annual.

This account may be appropriate for you if

  • You have a Prime credit rating
  • You want to borrow at least £ 500
  • You are older than 18


Enhanced Introductory Rate: Not applicable.


Shopping Reward Programme: Yes
Points per £ Spent in Participating Stores: 3
Points per £ Spent Elsewhere: 0.5
Points Required for £1 Reward: 100

Introductory Offers

Introductory Purchase Rate Period: 12
Balance Transfers Allowed: Yes
Max Balance Transfer Limit: N/A
Introductory Balance Transfer Rate: 0 % AER
Balance Transfer Offer Term: 12 months
Introductory Balance Transfer Fee: 2.99 % (minimum £ 0)
Money Transfers Allowed: Yes

Overseas Use

Cost of £100 Transaction Worldwide: £ 2.75
Charges for £100 International Cash Withdrawal: £ 3
Interest Charged on Cash Withdrawals: 34.95 % AER
Airport Lounge Access: No
Overseas Insurance:
  • Travel Accident Insurance
  • Travel Medical Insurance
  • Travel Cancellation Coverage

Payment Options

Contactless Payments
Pay Bill With Direct Debit
Make Direct Debit Payments
Optional Cheque Book


Optional concierge service
Earn Charitable Donations
Free Warranty Cover
Refund Protection
Roadside Assistance
Home Emergency Cover
Emergency Funds
Emergency Card Replacement


Minimum Monthly Repayment: statutory minimum
Interest Free Period (transactions): 56 days
Interest Free Period (cash withdrawals): 0 days
Annual Interest Rate for Purchases: 24.94 % AER

Additional Charges

Late Payment Fee: £ 12
Inactivity Fee: None
Over Limit Fee: £ 12
Returned Payment Charge: £ 12
Copy Statement Charge: £ 3
Copy Voucher Charge: £ 0


This Credit Card Is Provided By: NewDay Ltd
All Qualifying Applicants Offered Advertised Rate: No. Actual rates range from 24.9 % to 39.9 %

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* Cashback on a spending scenario of £500 per month