Are you looking for a user-friendly credit card that is super cheap, has low rates and comes with amazing benefits? Your search has come to an end.

Let me introduce to you the Debenhams Credit Card. Using this credit card is like hitting the jackpot!

Are you interested in applying for this credit card? If so, let’s dig deeper first and find out more of the benefits that come with this credit card and how you can apply today.

Debenhams Credit Card

Benefits and Features of a Debenhams Credit Card

Do you love shopping? Well, get a hold of this credit card, and you will thank me later. With this credit card, you can shop in-store or online at or wherever you see a MasterCard sign. You’ll also get free deliveries when you pay with your Debenhams Card at

Do you enjoy treating yourself to lunch or coffee? When you pay with the Debenhams Credit Card in any of their restaurants or cafes; you’ll get an exclusive 10% discount.

Another amazing feature of this credit card is that it comes with a points system. Every time you use your Debenhams Credit Card, you automatically receive a certain number of points. For instance, you will receive 3 points for every £1 you spend at Debenhams and You also earn 1 point for every £2 spent elsewhere. The more you use your credit card, the more points you earn.

Next on the list of benefits are the reward vouchers. At Debenhams Bank, you’re guaranteed that every three months, your points will be converted into Debenhams reward vouchers sent to you with your Credit Card statement. It’s that simple. This will give you the liberty to treat yourself in any UK Debenhams store whenever you please.

And finally, as a welcome note, you will be given £5 to help you kick start your credit card saving journey. You’ll also receive 500 Bonus Points in your welcome book.

Eligibility and How to Apply for a Debenhams Credit Card

Applying for this credit card is effortless and straightforward. But first, let’s find out if you are eligible. You must be at least 18 years of age at the time of application, have a UK bank account and home or mobile number, keep a steady income, and be a Permanent UK resident (having resided for at least the last 12 months). Additionally, you must not already be in possession of a Debenhams Card.

If you meet these criteria, you can apply online for your very own Debenhams Credit Card.

For more information, check the Debenhams Bank website and use their eligibility checker before you can proceed with the application.

If your application is successful, you will start with a minimum credit limit of £500, with a maximum subject to status.

Debenhams Credit Card Fees & Charges

  • No annual fee
  • APR: Representative 24.9% APR variable
  • Purchases (if available): 24.94% p.a.
  • Balance transfers (if available): 24.94% p.a.
  • Money transfers (if available): 24.94% p.a.
  • Late payment fee: £12.00
  • Over limit fee: £12.00
  • Non-sterling transaction fee: 2.75% of the amount of the transaction

Debenhams’ Address & Contact Details

Address: 334-348 Oxford Street, London, England, W1C 1JG. 

To get in touch with Debenhams, call 0333 220 2519.


If you are looking for a credit card that will help you save on your upcoming travels and shopping routines, what are you waiting for? Head to the Debenhams Bank website and apply for your very own Debenhams Credit Card. It’s user-friendly, super cheap, and has competitive perks that you don’t want to miss out on!

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.