Sainsbury's Nectar Credit Card
Our Sainsbury's Nectar Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card.
The table below is a representative example only. Interest rates and credit limits may vary depending on your individual circumstances.
|Your purchase rate||With a representative||Based on borrowing|
and repaying over 12 months
- Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months from account opening (capped at £1,000 spend per month)*
- After the first 3 months collect 4 points per £1 on Sainsbury's shopping
- One Nectar point for every £5 spent on your card elsewhere
- 0% on balance transfers for the first 15 months from account opening (3% balance transfer fee applies)
- 0% on purchases for the first 6 months from account opening
Points differ on Sainsbury's fuel - for the first 3 months from account opening you'll collect 8 Nectar points for every £1 you spend plus one Nectar point per litre on Sainsbury's fuel. After the first 3 months you'll collect 2 Nectar points for every £1 you spend on Sainsbury's fuel plus one Nectar point per litre on Sainsbury's fuel. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Before you apply
Applying for your Sainsbury’s Nectar Credit Card will only take a few minutes. So that we can assess your application correctly it is important that you provide your Nectar card number when you apply.
Please ensure this product suits your needs and you have considered that it is the right product for you.
To be eligible you must:
- have a permanent UK address
- be aged between 18 and 80 years
- not have been declined for credit in the last month
- not have a history of bad credit
- not be an existing Sainsbury’s Bank Credit Card holder
To speed your application along, be sure to have the following to hand when applying:
- your bank/building society account details
- details of any loans, credit cards, or store cards you have
- your employer’s name and address
- your Nectar card
New Sainsbury's Bank Credit Card customers only. If you are an existing credit card customer, please call us on 0500 40 50 60 to discuss your options.
Personal pricing For the first 6 months from account opening you will get 0% on all purchases. You will also get 0% for the first 15 months from account opening on balance transfers (a fee of 3% applies for each balance transfer). Thereafter, your personal APR will be either 17.9% APR (variable), 19.9% APR (variable), or 22.9% APR (variable). At least 51% of customers are offered our best and representative rate of 17.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.
Will my details be secure? Rest assured, every online credit card application is protected by 128-bit encryption software.
After you've completed your online application, we'll carry out a credit check. And once that's approved, we'll send you the completed application (so you can sign it) along with a copy of our terms and conditions.
*When you pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card. Excludes refunded purchases. Introductory 10 points offer capped at £1,000 spend per month.
Specific Details of Sainsbury's Nectar Credit Card point offers: You can collect Nectar points on transactions at Sainsbury's by using your Nectar card and by paying with your Sainsbury's Nectar Credit Card. The '10 points per £1 spent on Sainsbury's shopping for the first 3 months' offer is based on collecting both sets of points, as detailed below. When you use your Nectar card, you collect 2 points on every £1 you spend instore or online at Sainsbury's and 1 point on every litre of Sainsbury's fuel purchased. Points are not available on a limited range of Sainsbury's goods and services. When you pay with your Sainsbury's Nectar Credit Card, you collect 2 points on every full £1 of each separate shopping or fuel transaction at Sainsbury's, plus (subject to a cap of £1,000 spend per month) a further 6 points per £1 for the first 3 months from account opening. Transactions at Sainsbury's Telecoms, Diets and Energy are treated as non-Sainsbury's purchases. For non-Sainsbury's purchases, you collect 1 point on every full £5 of each separate transaction. Refunded purchases and cash advance transactions (as defined in the Terms & Conditions of your account), including foreign currency purchases, are not eligible for points.
Nectar points are awarded to you by Sainsbury's Supermarkets Limited and Sainsbury's Bank plc, who reserve the right to alter or terminate the Nectar point offer at any time, but will give as much notice as is reasonably possible before doing so. Points may take up to six weeks to appear on your account. The Nectar loyalty programme is operated independently of Sainsbury's and Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd, and the collection and use of points is governed by the Nectar Collector Rules, which are set out in the registration pack and are also available on nectar.com.
Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. Sainsbury's Finance is a trading name of Sainsbury's Bank plc. Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank plc, Pitreavie Business Park, Dunfermline, Fife KY99 4BS. Registered Office, 33 Holborn, London EC1N 2HT (registered in England no. 3279730) is authorised and regulated by the Financial Services Authority (FSA) register number 184514, except for Credit Cards & Loans where we are licensed by the Office of Fair Trading (OFT) license no. 421897.