How to Apply for H&M Credit Card Application Online?

Most of the merchants and their merchandise offer either store credit cards and some even offer VISA or MasterCard. That way every enterprise tries to make their credits a bit friendlier and shopping becomes a bit easier. People can experience more freedom when shopping with such mercantile stores. However, that is not the case with H&M. Typically this franchise does not offer any credit cards except a store card and many gift cards.

H&M merchandises bring eligible customers with a lot of offers. It is a Swedish company that sells clothing at retail prices. They have a pay later option by Klarna along with H&M gift cards. The stores operate in almost 74 countries and cater to more than 5000 stores.

If you are looking for a credit card, you need to know that they do not have an elaborate credit card on offer and instead will bring you a store credit card. The credit card can be used only within their stores across countries and cannot be used anywhere else other than them. You need to also have an online account with them to draw the maximum benefit from it.

You will also need to become their member to draw maximum benefit from their store credit card.

How to Apply for H&M Credit Card Application?

H&M credit card application

Since there is no typical credit card from them, thus, you can apply directly for them in the store. Locate a store of theirs near you and you can also call them at 855-466-7467.

You can go online and avail of their pay later option. Consumers can use it as a credit card as you get a lot of time to clear off your bills this way.

Converting bills into monthly EMI is also an option to avail with their credit cards.

What are application requirements?

Since the credit card functions in many other countries, so you will have to fulfill the requirements of that particular country.

But generally, you will require;

  • A valid ID card issued by the government of that particular country.
  • Anywhere in the world, but you cannot avail of a credit card if you are not at least 18 years old.
  • You must be a citizen of that particular country or at least a legal permanent resident.

Who is eligible?

Eligibility includes the following condition.

  1. A valid email address and a phone number are extremely essential for a credit card.
  2. You must have a stable income to counter the payments from purchases.
  3. You shouldn’t have any bankruptcy history or criminal history.
  4. You shouldn’t have defaulted in paying your debts.

Card Benefits

Even though there are no typical credit card facilities, however, you can still enjoy these benefits with your H&M account.

  • You will earn a single point with every single dollar you spend here
  • After taking up their membership, you will be eligible to get a one-time 10% discount.
  • Returning your purchased items online can be done completely free of cost.
  • Member events will come off exclusively for customers.
  • You can view your shopping receipts online.
  • Birthday offers are also present with their credit card.

FAQs (Frequently Asked Questions)

Is there an H&M credit card?

Basically, the credit card offered by H&M is a store credit card and not a true credit card. The store credit cards are closed-loop cards and they cannot be used anywhere else other than in their franchises. The VISA or MasterCard will be open-loop credit cards. Benefit-wise, you will get a lot of rewards and discounts even with a store credit card but those offers are only meant for their stores.

Does H&M have a store credit card?

Yes, there is a store credit card that works mostly in the store settings and will not be of any use outside the stores.

Does H&M have a store credit card?

Yes, there is a store credit card that works mostly in the store settings and will not be of any use outside the stores.


H&M does not have a credit card and this article tells you more about how you can gain credit cards like benefits from them. Look through the different discussed segments to know more about their offerings and store credit card details.


  • My name is Raj Singh. I am a Digital Marketer, Seo Consultant, and Entrepreneur. I have an experience of 7 years in the digital world and launched many digital products.

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