Summary box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions
APR
• Representative 19.9% APR variable
Other interest rates
Introductory Rate*
Monthly Rate
Annual Rate
Not applicable
1.527% p.m. to 2.207% p.m.
19.9% p.a. to 29.9% p.a.
Cash Transactions+
Not applicable
2.130% p.m. to 2.207% p.m.
28.8% p.a. to 29.9% p.a.
Balance Transfers+
0% p.a. for 12 months±
1.527% p.m. to 2.207% p.m.
28.8% p.a. to 29.9% p.a.
Purchases
Interest Free Period • Interest free period on purchases applies to the introductory rate period (if any). Otherwise, maximum 56
days on purchases if you pay your balance in full and on time.
• Interest free period on Balance Transfers only applies to the introductory rate period (if any). Otherwise,
there is no interest free period on Balance Transfers or Cash Transactions.
Interest Charging
Information
From
To
Purchases
Date added to Account
Repaid in full**
Cash Transactions
Date added to Account
Repaid in full**
Balance Transfers
Date added to Account
Repaid in full**
Debenhams
CARDS
• Rates from 19.9% APR to 29.9% APR depending on individual circumstances.
**Interest is calculated daily. You will not pay interest on new purchases if you pay your balance in full and on
time each month. If you have not paid your balance in full in the previous month, you may receive a further
interest charge in the following month even if you have paid your balance in the current month in full.
Allocation of
Payments
If you do not pay off your balance in full, payments we receive are applied to the highest interest bearing
transactions first.
For further details, please refer to your card terms and conditions
Minimum
repayment
•A
ll fees, default charges, payment protection insurance premiums, interest plus 1% of the principal and the
amount you have exceeded your credit limit. (Subject to a minimum £5)
• If you only make the minimum payment it will take longer and cost more to clear your balance.
Credit limit
Minimum credit limit
£250
Maximum credit limit
Subject to status.
Fees
• No annual fee
Charges
Balance Transfers
Up to 5.00%
Cash Transactions
3% (minimum £3.00)
Paper copies of statements
£3.00
Overseas Transactions (including cash transactions)
2.75%
Shopping
made
fabulous
For further details, please refer to the Credit Agreement
Default Charges
Late Payment Fee
£12.00
Administration Fee for returned cheques
or direct debits
£12.00
Over Limit Fee
£12.00
Trace Fee (applied if you do not inform us of a change of £25.00
address and we have to trace you)
Credit Balance Fee (applied if you have a credit
balance on your Account for three consecutive months)
Up to £10
with exclusive
cardholder benefits
+ Applies to balance transfers made within 6 weeks of opening your account.
± Where permitted on the account
*To benefit from the 0% rate you must not break the agreement, eg by not making your required monthly payments on time or
exceeding your Credit Limit. If you do break the agreement, we may charge the standard Purchase rate or Balance Transfer rate
(as applicable) instead of the introductory rate.
06987CM
DEO462 03/12
Credit, subject to age and status, is provided by Santander Cards UK Limited. Registered office: 2 Triton Square, Regent’s Place,
London, NW1 3AN. Registered in England and Wales. Registered number:1456283. Debenhams Retail Plc, acts as a credit
intermediary and only offers credit products for Santander Cards UK Limited, Registered in England and Wales, Company No. 83395.
Registered office: 1 Welbeck Street, London W1G 0AA
Representative
19.9% APR
Variable