Debenhams Finance - Credit Card Reviews 

142
TrustScore 4 out of 5

4.2

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Review summary

Created with AI, based on recent reviews

Looking at 91 reviews, reviewers had a great experience with this company. Customers consistently find the credit card easy to use and manage, appreciating the smooth online experience, clear payment reminders, and secure payment system. Many praise the excellent service, highlighting its reliability as a helpful financial tool for emergencies and its contribution to making smarter financial decisions. However, some customers also noted issues with customer service. People reported difficulties resolving problems, being locked out of the app, and experiencing unhelpful responses from the complaints department regarding blocked cards or reward points.

What people talk about most

User experience

Consumers find the user experience to be positive, with many praising the ease of use of the mobile app and... See more

Service

People report positive experiences with service, with many customers expressing satisfaction and calling the... See more

Payment

Users describe positive interactions with payment, often highlighting the ease of use for shopping and... See more

Customer service

Reviewers mention ambiguous feedback about customer service, with many praising the staff as polite,... See more

Product

Customers had positive experiences with the product, with many expressing satisfaction and comfort with their... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I enjoy my Debenhams card. I have had my card a long time now, with no complaints. They have stopped payments immediately when I have asked them, either when I don’t recognise them or made a... See more

Company replied

Rated 5 out of 5 stars

The Debenhams credit card has been a great companion and very helpful, especially in times of need. It’s easy to manage, from checking statements to making payments, and the offers and rewards add rea... See more

Rated 5 out of 5 stars

Regular update on monthly payments and statements. I have information on ways to use my credit card effectively and reward options available to me. As well as credit card increase review as at... See more

Rated 5 out of 5 stars

No fuss credit card, easy to use , easy to keep up with monthly payments through reminders. not yet needed to contact customer services but clear ways to contact them. ive had this card for a while no... See more


Company details

  1. Shopping & Fashion

Written by the company

Welcome to Debenhams.com – your favourite online shopping destination where you’ll find the latest fashion and accessories for women, men and kids, plus bestselling makeup, fragrances and hair products from the biggest brands in beauty, and design-led homeware to liven up your living space. Shop online at Debenhams.com. This page relates to our financial services, including Debenhams Mastercard credit card.


Contact info

4.2

Great

TrustScore 4 out of 5

142 reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Hasn’t replied to negative reviews

How this company uses Trustpilot

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4.2

All reviews

(142)

88 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

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Rated 4 out of 5 stars

credit limits

Good approach to offering credit limit increases and the ability to decline or accept immediately. would have been 5 stars, but I believe that rewards can only be spent at Debenhams.com

July 18, 2026
Unprompted review
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Rated 5 out of 5 stars

The service is excellent and I…

The service is excellent and I especially like that I get notice of when a payment is due as it helps to keep me in track. Customer service is excellent. I have had my card for a few years now and have had no issues in that time

July 6, 2026
Unprompted review
Rated 5 out of 5 stars

Friendly staff

Friendly staff. The mobile app is easy to use . Also you are kept up to date via emails . Their customer service is absolutely amazing.

July 3, 2026
Unprompted review
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Rated 1 out of 5 stars

Interest rates on par par with loan sharks.

Interest rates on par par with loan sharks.
NewDay?
Reap the rewards Earn, convert, and spend reward points for a more rewarding shopping experience. A little extra from us Enjoy a £20 gift card to spend at Debenhams.com when you open a Debenhams Credit Card. Terms apply*. 34.95% P.A.

June 26, 2026
Unprompted review
Rated 5 out of 5 stars

I requested a loan and Debenhams was…

I requested a loan and Debenhams was happy to give me one with no problem which I really appreciated
The interest rates were reasonable as well
Whenever you phone the customer care line the staff are always polite professional and extremely helpful 😃👍🏻

June 9, 2026
Unprompted review
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Rated 1 out of 5 stars

Charged

I didn't realise that I hadn't set up a direst debit to pay my balance off so ended up getting charged. I didn't receive an email or anything to say that this was the case.

May 22, 2026
Unprompted review

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