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Topman Card
The smart way to pay

What you get when you spend on your Topman Account Card

An extra 10% off sale prices during the first week of sale


Free standard UK delivery four times a year, when you spend £50 or more on Topman.com

Exclusive seasonal offers when you spend on your Topman Card

All offers subject to availability and will run at various times of the year. Check statements for offers.
 

 

Representative 19.9% APR Variable

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

Rates from 19.9% APR to 24.9% APR depending on individual circumstances.

Other interest rates
Introductory Rate
Monthly Rate
Annual Rate
Purchases not applicable 1.520% p.m. to 1.874% p.m 19.9% p.a. to 24.9% p.a.
Cash Transactions¹ not applicable 2.104% p.m. to 2.130% p.m. 28.4% p.a. to 28.8% p.a.
Balance Transfers1 not applicable 1.520% p.m. to 1.874% p.m. 19.9% p.a. to 24.9% p.a.
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 the Account Repaid in full**
Cash Transactions Date added to the Account Repaid in full**
Balance Transfers Date added to the 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 card terms and conditions.
Minimum repayment • The minimum payment will be the sum of i) the amount of any interest, payment protection insurance premiums and Default Fees charged to your account plus ii) 1% of the remaining balance shown on your statement plus iii) the amount of any arrears which are immediately repayable, (subject to this being a minimum of £5). If the total outstanding balance is less than £5, then the minimum payment due will be the outstanding balance. Any overlimit amount is immediately repayable.
• If you only make the minimum payment it will take longer and cost more to clear your balance.
Credit Limit
Credit Limit £150
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
For further details, please refer to the Credit Agreement
Foreign Usage1 Payment Scheme Exchange Rate Rates can be found at www.mastercard.com
Non-Sterling Transaction fee 2.75% of transaction
Non-Sterling Cash fee 3% (minimum £3.00)
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 address and we have to trace you)
£25.00

1 Where permitted on the account

Credit only available to over 18s and subject to status is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and are part of NewDay group of companies. The registered office for these companies is: First Floor, 11 Tower View, Kings Hill, West Malling, Kent ME19 4RL (until 31/10/2014), Two Pancras Square, London N1C 4AG (from 01/11/2014). NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 0638085 and 0510571 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Topman is a trading name of NewDay Ltd. Topman acts as a credit broker and only offers credit products for NewDay Ltd. Retailer is Top Shop / Top Man Limited trading as Topman and is authorised and regulated by the Financial Conduct Authority with number 0004960. Registered office: Colegrave House, 70 Berners Street, London, United Kingdom, W1T 3NL. Registered in England and Wales. Registered number 02317752.

 

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