It's always nice to get a little something in return after spending your hard-earned money on groceries, fuel, and necessities. Nowadays, one of the best ways to make your spending more worthwhile is by using a credit card.
There are options out there that let you enjoy valuable offers. However, you want to ensure that you get the right credit card that's not going to cost you a fortune (as that would defeat the purpose). The right credit card will generally depend on what or where you regularly spend.
If you tend to do a bit of shopping at Debenhams, then the Debenhams Credit Card might be right for you. This card has quite a lot to offer frequent shoppers (but just saying, it might not be best for husbands). If you're interested in finding out more about the Debenhams Mastercard, including the features, fees and how to apply, keep reading!
What is the Debenhams Credit Card?
The Debenhams Credit Card is a Mastercard released by the British multinational retailer, Debenhams, seeking to give its customers more perks and benefits. This is why frequent customers of the company might want to get on board.
Not only can you enjoy a variety of benefits including free delivery when buying from Debenhams.com, but you can also get access to exciting offers and special events for cardholders only.
To create a more worthwhile experience for cardholders, Debenhams also gives you the ability to earn points and get discounts. Here’s how.
Getting Discounts and Earning Points
Earn Points by Spending
There are several ways in which you can earn reward points with the Debenhams card. The most basic of which is the welcome offer, which gives you 500 bonus points. The card also gives you 3 points for every £1 you spend in-store or online at Debenhams. Not only that, when you spend in other places, you're still entitled to 1 point for every £2 you spend.
If you choose to get a complementary card, you can earn points even quicker. As the holder uses the additional card, your rewards points continue building.
Make the Most of Your Spending With Special Discounts
You can take advantage of your card by using the discounts available to cardholders. Once you have enough points, you can redeem discount vouchers. These will be sent to you along with your card statement.
Debenhams also has a program called instant spend and if you qualify for it, you can save up to 10% in-store. The same discount rate applies for lunch or afternoon tea spends. Cardholders are also given the chance to get shopping discounts at other establishments, as well as better rates on holiday expenses.
Eligibility and Application
If you are interested in getting this credit card keep in mind that there are qualifying criteria for applicants. You must be at least 18 years old with a regular income. You must also present a UK bank account and mobile number, as well as proof of residence.
You can send in your credit card application using the online form found on the Debenhams Finance webpage. Just make sure that this is the first time you would be getting a Debenhams card.
Debenhams Mastercard Fees
You should also remember that holding this card comes with responsibility. For purchases, the variable interest rate ranges from 34.95% to 39.94%. The same rate applies to balance transfers. This card charges no annual fees but has a penalty of £12 for late-payments and over-limit. You can receive a credit limit of £500 and above, which will be determined based on your credit and financial background.
With the Debenhams credit card, you can definitely make your shopping experience more fulfilling as a frequent spender at the department store. If you do not shop at Debenhams then I would say this isn't the card for you. Have questions? You can get in touch with a representative at 0333 220 2519 or send mail to Customer Services Department, NewDay Ltd, PO BOX 700, Leeds, LS99 2BD.
Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.