H&M Credit Card Review at www2.hm.com

Does H&M offer a credit card? This may be a possible question running through your mind as you shop at H&M. If this is the case, then you are about to get an answer to your question in this article.

H&M Credit Card - H&M Card Review

H&M does not issue any credit cards of its own to its customers. H&M only offers an H&M merchandise credit, which is like a gift card but serves a slightly different purpose.

H&M Credit Card

H&M merchandise credit is much like a store credit card that is received when a standard refund cannot be issued. This implies that customers may not be issued a standard refund when they return merchandise without a receipt or beyond the 30-day return period.

H&M Credit Card Offers

Cards H&M Accept

According to the H&M customer page, they accept cards with Master Cards, Visa, Discover, and American Express symbols. Their major priority is to keep your online payments secure. And this means that you might need to verify your card payment using a 3D secure to complete your transaction.

Transaction Encryption

H&M guarantees the fact that your details are completely safe with us. All your details are sent encrypted in other to ensure total security of any information that appears to be sensitive. You can get more details on the privacy and Policy page.

You would Be Charged When your order is shipped

Once the transaction made with your card is approved, the amount would be reserved immediately and an order confirmation would be sent to you via your email address. You would not be charged until your order is shipped.

Apply for H&M Credit Card

H&M Merchandise regularly offers credit lines to its eligible customers. Most of the time, people confuse this with the H&M Credit card. At the moment, there is no credit card being offered by H&M. However, users are not left behind as they still get to enjoy their pay later powered by Klarna and H&M gift cards.

Other Credit Card Options 

Even though H&M does not offer a direct credit card, there are other card options customers can use to shop at H&M. Let’s highlight each of these payment options.

Discover it® Cash Back Credit Card

 With this card, customers can earn up to 5% cash back at rotating categories on up to $1,500 in purchases when they activate (you are advised to register each quarter to earn rewards). All cashback customers earn, gets matched at the end of their first year. New cardmembers, can also turn $150 into $300. The Discover it® Cash Back Credit card has no annual fee charge and a 0% Intro APR on purchases. (Once the Introductory interest rate is over, the ongoing APR applies.

Card Payment

 Cards with MasterCard or Visa symbols are accepted at H&M for purchases.


 PayPal is also accepted for purchases at H&M, all you need to do is choose PayPal as your preferred payment method at checkout.


 With an invoice as your preferred payment option, you can pay within 20 days. The invoice is sent to your e-mail address once the order is dispatched. Payment can be made through bank transfer to account no. You are to provide H&M with your customer number, as stated on the invoice, in the reference box when making your payment.

Pay Next Month

 You can make payment with Pay Next Month, via bank transfer to account no. provided and sort code 20-00-00. You are to provide H&M with your customer reference number, as stated on the invoice/statement. You can also make payment at any bank by presenting the payment slip attached to your invoice/statement.

Gift Card

 Gift card (H&M) physical gifts cards and e-gift cards can also be used as a mode of payment at the H&M store and at hm.com. Both types of gift cards can be used in addition to all payment methods earlier stated.

How to Stop Using Other Credit Cards

 Since H&M does not currently offer any credit card to its customers, thus all purchases have to be made by using your personal credit/debit card.

Customer Service

For further questions on H&M Credit Card, Visit the customer care Page of H&M via this link

Customers can also contact the customer care unit by calling the number listed on the card’s website, to have questions on H&M Credit Card answered.


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