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The information contained in this table summarises key product features and is not intended to replace any terms and conditions.



Rates as shown, depending on individual



Representative 19.9% APR



24.9% APR variable

Interest rates (variable) Introductory Rate* Monthly Rate Annual Rate  Monthly Rate Annual Rate 

We may make promotional offers

from time to time

1.520% 19.85%   




Cash Transactions,

if available

not applicable 2.104%  28.39%   




Balance Transfers,

if available

not applicable 1.520%  19.85%  1.874%


Interest Free Period
  • • Maximum 56 days on standard purchases if you pay your balance in full every month and on time.

    • Buy Now Pay Later transactions (if available) will be interest free for 3 months from the date of the transaction

    (unless we tell you it is longer).

    • Balance transfers and Buy Now Pay Later transactions are only interest free during the promotional period (if any).

    • There is no interest free period on cash transactions.

    If you do not make at least your minimum payment in full and on time or if you go over your credit limit any promotional rates

    may come to an end and we will charge the standard purchase rate or the standard balance transfer rate, as applicable,

    instead of the promotional rate.

Interest Charging Information
  From To
Purchased (including Buy Now Pay Later transactions which have transferred to the standard balance) 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**

**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 credit card terms and conditions.

Minimum Repayment
  • The amount of any interest and default fees plus 1% of the standard balance shown on your statement plus the

    amount of any arrears, which are immediately repayable, subject to a minimum of £5. Any overlimit amount is

    immediately repayable. Any amounts on your Buy Now Pay Later balance (if available) will not be included in your

    minimum payment until they are transferred to your standard balance.

    • If you only make the minimum payment it will take longer and cost more to clear your balance.

Credit Limit Minimum credit limit £150  
Maximum credit limit Subject to Status  
Fees No annual fee
Charges Balance Transfers (if available) Up to 5.00%  
Cash Transactions 3% (minimum £3.00)  
Paper copies of statements £3.00  
For further details, please refer to the Credit Agreement

Foreign Usage,

if available

Payment Scheme Exchange Rate Rates can be found at  
Non-Sterling Transaction fee 2.75% of transaction  
Non-Sterling Cash fee 3% (minimum £3.00)  
Default Fees Late Payment Fee £12.00  

Returned Payment Fee


Overlimit Fee


Trace Fee (charged if you change your details and you do not tell us where you may be contacted )


*To benefit from any promotional offers or introductory offers you must not break the agreement, e.g. by not making at least your minimum

monthly payment in full and on time or exceeding your Credit Limit. If you do break the agreement, we may charge the standard purchase rate,

standard balance transfer rate or other applicable standard rate instead of the promotional rate or introductory rate.


Credit only available to over 18s and subject to status is provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The retailer, Top Shop / Top Man Limited trading as Topshop, acts solely as a credit broker and provides credit products from NewDay Ltd on a non-exclusive basis and is authorised and regulated by the Financial Conduct Authority with number 679741. Registered office: Colegrave House, 70 Berners Street, London, United Kingdom, W1T 3NL. Registered in England and Wales. Registered number 02317752.