The KM Card

The most stylish way to pay


  • Six months’ interest-free credit on single transactions of £199 or more*
  • Up to £1,000 to spend instantly*
  • £20 KM voucher**
  • Exclusive promotions and events
  • Representative 28.9% APR variable

* Subject to approval. Available only in the UK to residents aged over 18
** Available 7 days after account opening

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FEATURES: Representative 28.9% APR (variable). No annual fee. £250 minimum credit limit.

OTHER INTEREST RATES: Promotional rates - 0% per annum on all transactions of £199 or more for the first six months after the statement date upon which the purchase is first shown. Thereafter and for transactions which do not qualify the Annual Interest rate will be 25.7%.

INTEREST-FREE PERIOD: Transactions - up to 56 days on transactions if your balance is paid off by the 'payment to reach us date'. We will charge interest from the date of the transaction until the date that the outstanding balance is repaid in full.
Promotional period - six months on all transactions of £199 or more. If the full balance is not cleared within any applicable promotional period, interest is charged on the outstanding balance at the annual rate shown. Interest is not backdated, it is only charged from the day after the expiry date of any promotional Period.

MINIMUM PAYMENT: Every month, you must pay at least the minimum amount by the deadline set out on your statement. This will be either 3.65% of the total amount charged to your Karen Millen Card, or £3.65, whichever is greater. Any default fees you may have been charged may also be included if you opened your account on or after 1st January 2011.

ALLOCATION OF PAYMENTS: Any payment that you make which is insufficient to repay the full balance on your account will be applied to cover any insurance premium due as a priority. Payment will then be allocated to pay any higher interest rate balances off first, before any lower interest rates. When payments are allocated to each different balance they will be applied in the following order, default fees and charges, interest and then purchases.

CHARGES: £2.50 duplicate copy of a statement. £12 for late payments, cheques returned, unpaid Direct Debits and for exceeding your agreed credit limit. This does not replace any legal conditions and we ask you to read our full terms and conditions for more information, available here.

Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents aged 18 or over. Karen Millen acts as a credit intermediary and only offers credit products for Ikano Bank AB (publ). Ikano Bank is authorised in Sweden by Finansinspektionen, the regulator for banks in Sweden, and is subject to limited regulation by the Financial Conduct Authority. Ikano Bank is a trading name of the UK branch of Ikano Bank AB (publ), which is registered with branch number BR016253. The registered office of the UK branch of Ikano Bank AB (publ) is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ