Twice as nice

Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years^. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card.  

Plus you can enjoy:

• 0% for the first 12 months on Sainsbury's shopping**
• 0% for the first 10 months on all other shopping
• 0% for the first 10 months on balance transfers (+3% fee)**
• Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere
• Withdraw cash in over 24 million locations worldwide (fees apply)
• Enjoy safe and secure payments with Chip and PIN

Our typical rate is now 15.9% APR typical variable.

*New customers only, when you pay with your Sainsbury's Credit Card.

Manage your account online
You can access your account any time, day or night, from the comfort of your own home.

• View statements
• Get details of your latest transactions
• Make online payments
• Transfer balances
• Change your bank account details
• Request an increase to your credit card limit
• Add an additional card holder to your credit card account

 See our summary box which shows you the facts and figures.

Personal pricing

As we treat all our customers and their applications on an individual basis, the APR and the interest rates we offer are determined by the details you supply, along with an independent verification of credit and repayment history.

Find out more  about personal pricing.

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank plc.

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

Applying for your new credit card takes just a few minutes.
Before you get started, please read our privacy statement.

You're eligible to apply if you:

• Have a permanent UK address
• Are over 18 years of age
• Have not been declined credit in the last month
• Do not have a history of bad credit
• Are not an existing Sainsbury's Finance Credit Card holder

You can speed up your application if you have the following at hand:

• Your bank or building society account details
• Details of any loans, credit cards or store cards in your name
• Your employer's name and address

To apply by phone, please call 0800 030 4418* quoting INTERNET.

Existing Sainsbury's Finance Credit Card holders

As a responsible lender, under our current policy we cannot approve more than one credit card per customer. If you are interested in applying for this card, please call us on: 0800 030 4418*, explaining you're an existing customer, and we'll let you know the options available to you.

Your online security

Your online credit card application is protected by high security, 128-bit encryption software.

Protect your credit card payments with optional Creditcare

Nobody knows what could be around the corner, but with our optional Creditcare cover, you could afford to relax knowing that should the unexpected happen you may not have to worry about the outstanding balance or your monthly repayments on your Sainsburys credit card.

What does Creditcare offer you?

We could cover more than your minimum repayments each month for up to 12 months in the event:

• you are unable to work for 30 consecutive days because you have suffered an accident or sickness
• you are working and become unemployed for at least 30 days (through no fault of your own)

We could also pay off your outstanding balance up to a maximum of £15,000 in the unfortunate event that you should suffer a specified critical illness or in the event of your death or if you become a full time carer for a relative (partner, parent or child). Please see the Policy Summary Document for details of the Terms, Conditions and Exclusions that apply.

Am I eligible for Creditcare?

To be eligible for Creditcare, you must be

• The principal cardholder
• Over 18 but under 65
• Living in the UK
• In paid work under a contract of employment and paying class 1 National Insurance contributions or self-employed and registered for class 2 National Insurance contributions

How much does Creditcare cost?

Credit Care costs 79p per £100 of your highest card balance each month*. If your highest balance on your credit card remains at £1000 each month then your premium will equate to £7.90 per month or £94.80 over 12 months. The premium will incur interest at your normal APR.

The minimum monthly premium payable is 79p but no premium is due if your outstanding balance is nil at your statement date regardless of the highest balance in that month.

Insurance Premium Tax is included in your monthly premium.

Your highest balance means the highest level of indebtedness to your lender under the agreement in each statement month.

Download our terms and conditions pdf (PDF 83KB) 

• The Initial Disclosure Document
• The Policy Summary Document
• The statement of Demands and Needs

Can be downloaded here (PDF 42KB)

You can download the above with Adobe Acrobat.  Get Adobe Reader

Please note: Your documents will launch in a new browser window and they may take some time to download.

You may also refer to the Association of British Insurers independent consumer guide to payment protection.

How can I apply for Creditcare?

If you already hold a Sainsburys credit card, call us on 0845 850 0561** and an agent will add it to your account. If you do not already hold one of our cards, then all you need to do is select the Creditcare option when you apply for your Sainsburys credit card online. This cover is optional and is not a condition of applying for your credit card.

Safeguard your cards with optional Card Care

Losing your purse or wallet can be bad enough, but imagine if it contained all your credit cards and store cards. How would you contact all the relevant card companies, would you have their telephone numbers to hand?

One phone call to Card Care will ensure that all your card companies are advised.

There are other benefits too, including:

• Immediate cancellation of all your missing financial cards
• Replacement cards are ordered right away
• Replacement of up to £100 for lost personal money you had on you at the time
• Cover for a replacement purse or wallet
• Emergency cash advance* to pay hotel bills or travel tickets home
• Replacement of your driving licence if it was lost or stolen at the same time as your cards.

For further card care benefits click here. (PDF 43KB)

Terms, conditions and exclusions apply.

How much does it cost?

Sainsbury's Card Care service starts from just £18 per year - that's just 35p per week! Further details are provided below:

It is important that you read the policy documentation and check that it is suitable for your needs within the 30 day cooling off period.

To find out more about Sainsbury's Credit Card, give us a call or send us an email.