The table below is a representative example only - credit limits vary depending on your individual circumstances.

To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.

*New customers only. You must have swiped your Nectar Card in store in the last 6 months. We may check your Nectar account to verify this. See full details below^.

Before you apply

Applying for your new Sainsbury’s Nectar Credit Card will only take a few minutes. Before you start please read our summary box, terms and conditions and privacy statement.

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 18 or over
• 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

As a responsible lender, under our current policy we are unable to approve more than 1 credit card for each customer. If you have any questions around this policy, please contact us on 0800 032 1365.

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 16.9% APR (variable), 19.9% APR (variable), or 22.9% APR (variable). 51% of customers are offered our best and representative rate of 16.9% 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.

*Credit available subject to status to UK residents aged 18 or over from Sainsbury’s Bank plc. Sainsbury’s Bank plc registered office, 33 Holborn, London EC10 2HT (registered in England, no 3279730) is authorised and regulated by the Financial Services Authority (FSA) Registered number 184514.

^Offer available to Sainsbury's Nectar Credit Card applications made through www.nectar.com provided you complete your first transaction in the first 3 months from receiving your card. With a Sainsbury's Nectar Credit Card 2 Nectar points are earned on each full £1 of each separate transaction made on shopping at Sainsburys for the first 2 years the account is opened. Points are not available on a limited range of Sainsbury's goods and services - see in store or www.sainsburys.co.uk/nectar for details. Excludes Sainsburys Telecoms and Energy which will be treated as non- Sainsbury's purchases. For non-Sainsbury's purchases 1 Nectar point is earned on each full £5 of each separate transaction. Nectar points may take up to six weeks to appear on your account. Sainsbury's Bank plc and Sainsbury's Supermarkets Limited reserve the right to alter or terminate the Nectar point offer at any time, without the need for prior notice. The Nectar point collection programme is subject to the Nectar Collector Rules, which are set out in the registration pack brochure and are also available on www.nectar.com. Sainsbury's Supermarkets Limited Nectar points conditions apply. Please see www.sainsburys.co.uk for details.