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Debenhams MasterCard

Debenhams MasterCard

? customer score 51%

Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
24.9% APR 24.94% 34.95% £0
  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.

Reward scheme details

Earn Debenhams Points, 3 Points for every £1 spent at Debenhams and Debenhams.com, 1 Point for every £2 you spend elsewhere. 500 Points = £5 Reward Voucher. Receive 500 Bonus Points in your first statement. 10% off online for a week from account opening with instant spend. Free standard delivery from Debenhams.com when you pay on your Debenhams Credit Card. 10% off in Debenhams café & restaurants (when you pay using your Debenhams Credit Card.

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.94% (variable), representative 24.9% APR (variable). Credit available subject to status.

Customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score

51%

Very poor

We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account Not provided
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility You must be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel). You must have a current UK bank account and a home or mobile phone number. You must not already have a Debenhams Credit Card. You must have a regular income. Credit only available to over 18s, is subject to status and is provided by NewDay Ltd. T&C’s apply. BT T&C’s apply.
Minimum age to open an account 18

Intro balance transfers

Rate period 12 months
Annual interest 0.0%
Fee 2.99%
Fee min N/A
Fee max N/A
Limit period days 84

Intro purchases

Rate period 0 months
Annual interest N/A

Standard balance transfers

Annual interest 24.94%
Fee 5.0%
Fee min N/A
Fee max N/A

Standard purchases

Annual interest 24.94%

Standard cash

Annual interest 34.95%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 25
Monthly payment min % 1.0%
Monthly payment min £ £5

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 2.75%
Foreign usage fee (worldwide) 2.75%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 3.0%
Minimum charge £3

Available to manage

Online Yes
Branch No
Telephone No

Reward schemes

Reward is charity donation No
Reward is cash back No
Reward is Airmiles No
Reward is points Yes
Reward is vouchers Yes
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.