Sainsbury's Nectar Credit Card

Overview

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.

  • Collect double Nectar points on your Sainsbury's shopping*
  • Collect 2 Nectar points per £1 spent on Sainsbury's fuel*
  • One Nectar point for every £5 spent on your card elsewhere
  • 0% balance transfers for the first 16 months from account opening (3% balance transfer fee applies)
  • 0% on purchases for the first 16 months from account opening
  • No monthly or annual fee
  • No cash advance fee on Sainsbury's Travel Money purchases

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. 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

Your personal APR

We treat all our customers and their applications on an individual basis, the APR and the interest rate we offer are determined by the details you supply, along with an independent verifications of your credit and repayment history. For the first 16 months from account opening you will get 0% on all purchases. You will also get 0% for the first 16 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). At least 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.

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.

Terms and conditions

Important Information

Applying for your 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.

Will my details be secure?

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.

Apply now

To be eligible you must:

  • are over 18 years of age
  • have a permanent UK address
  • not have a history of bad credit or have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

If you are an existing credit card customer, please call us on 0500 40 50 60 to discuss your options.

To complete your application you will also need the following information:

  • your bank/building society account details
  • details of any loans, credit cards, store cards you have
  • your employers name and address
  • your Nectar card

Ready to apply?

Your application will be completed in 3 easy steps.

*When you pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card or use it online.

Sainsbury’s Nectar Credit Card Nectar point conditions:

2 Nectar points are earned on each full £1 of each separate shopping and fuel transaction at Sainsbury’s. Excludes all bonus points offers and points from Sainsbury’s 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. Travel Money purchases are not eligible for points. Nectar points are awarded to you by Sainsbury’s Supermarkets Ltd 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 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.

Telephone calls are free from a landline only and may be recorded for security purposes and monitored under quality control procedures.

Credit available subject to status to UK residents aged 18 or over from Sainsbury’s Bank plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

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