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It takes about 5 minutes to fill in an application. In most cases we can give you an instant decision and, if you're accepted, you can start using your card account straight away at 


You can apply for a Karen Millen card if:


Answering yes to all of these doesn’t guarantee your application will be accepted - there are some checks Ikano Bank need to do before we can open a card account for you.

  • You're 18 or older
  • You have a good credit history with no previous bankruptcies, Individual Voluntary Arrangements, Debt Relief Orders, recent County Court Judgements or defaults
  • You're a permanent UK resident and have lived in the UK for the last 12 months (unless you're HM Forces Personnel)
  • You're employed or have a valid reason for being unemployed e.g. full time house person
  • You're not aware of any significant changes which may affect your ability to continue making payments in the future
  • You're not currently under/subject to a Power of Attorney order


Please have these ready when you fill out your application:

  • Your previous address(es) if you have been at your current address for less than two years
  • Your email address
  • Your mobile or home phone number
  • A UK bank account in your name


  • Please read our Privacy Notice for details of how we will process your data. 
  • Ikano Bank (our credit provider) will carry out a credit search when you apply. A record of this search will be visible to you and other lenders when looking at your credit history.
  • You'll need to make a minimum payment each month. This will be either 3.65% of the outstanding balance or £3.65 (whichever is more) plus any fees. Your monthly statement will show the minimum amount you have to pay and when you need to pay.
  • If you only pay the minimum payment each month, you'll pay more interest and it will take you longer to repay the amount you owe.
  • If for any reason you think that your financial circumstances may get worse or if you won't be able to keep up with your monthly payments, a Karen Millen Card is not suitable for you.
  • If you don't repay the full balance each month, you'll be charged interest at a variable rate of 28.9% APR representative, equal to 2.14% per month.
  • If you don't make your minimum payment by the due date each month you'll be charged a default fee of £12 and your credit rating might be affected, making it harder or more expensive for you to borrow in the future. Ikano Bank will contact you to discuss your account and if you don’t make regular repayments, you may face legal proceedings to recover the money you owe. Other avoidable fees are shown in the Karen Millen Card terms and conditions.
  • If you change your mind you can cancel the agreement within 14 days from the day after you sign. If you cancel, you’ll need to pay back anything you owe within 30 days from when you tell us you wish to cancel. Your agreement will explain how to do this, or you can contact Ikano Bank to arrange this. The Karen Millen returns policy still applies.
  • If your application is approved, you will be able to read the Consumer Credit Information sheet (SECCI), and read and sign your credit agreement on screen. Please read these and the terms and conditions in your agreement carefully before you sign and save and print a copy to refer to in the future.
  • If you are accepted today and you want to keep a copy of your card details while you wait for your card to arrive, you can click the “Print this page” button after you have signed your agreement.

  • We will send you details of how to set up a Direct Debit for your Karen Millen Card account in your card welcome pack.

  • If you have any questions please take a look at the FAQs or speak to the team at Ikano Bank (our credit provider) on 0371 781 3047*

*Ikano Bank is open Monday to Friday 8.30am-8.00pm, Saturday 8.30am-8.00pm, and Sunday 10.00am-6.00pm. Calls cost the same as a call to a standard ‘01’ or ‘02’ landline number, even when calling from a mobile. Calls are also included in any bundled minutes or free talk time that covers landline calls. Calls made outside of a bundle will be charged at national rate. Calls may be recorded for training and monitoring purposes.