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  • Shop Straightaway. Apply online and you'll get an instant decision. With temporary card details, shop straightaway in store or online at
  • Shop Anywhere. Use your card at home or abroad, wherever you see the Mastercard logo.
  • Collect Recognition Points. Points go towards Rewards, which you can use to treat yourself at House of Fraser.
  • Extra Perks. £10 welcome voucher in your first statement, 500 Bonus Points the first time you shop outside House of Fraser, Bonus Points in your birthday month and much more^.
  • More Time to Pay. As long as you only use your card for purchases and pay the full balance on time every month, you can get up to 56 days interest free credit.
  • Manage Your Account Online. Keep it simple. Click here to manage your account.

Please note this is a credit product and should be used responsibly. Required payments should always be made in full and on time.

^ Subject to receiving a statement following the use of your card. £10 welcome voucher redeemable on a single purchase of £50 or more. Conditions apply, see voucher for details. Birthday bonus points will be automatically applied to your account by us if you qualify.

Check your eligibility now

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  • Doesn't affect your credit rating
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Collect Points, receive Rewards

With a Recognition Mastercard, wherever you shop with it you’ll collect Points, so when you use it to make everyday purchases like groceries or petrol, your Points will soon add up. Here’s how it works:

Spend where? Collect
At House of Fraser, in store or online 3 Points per £1
Outside House of Fraser 1 Point per £2
2000 Points = £20 REWARD VOUCHER
Plus a £10 Reward Voucher for every additional 1000 Points

Rewards are sent out quarterly in February, May, August and November, along with your monthly card statement. Any unused Points will be carried forward towards your next 2000 Points, but any Points not used will expire after 12 months. Find out more and see the Terms and Conditions of the Recognition Reward Programme here.

Qualifying criteria

  • be 18 years or over
  • be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)
  • have a current UK bank account and a home or mobile phone number
  • does not already have a Recognition Mastercard or Account Card
  • have a regular income