expanded Key benefits


  • 0% interest on balance transfers for up to 29 months. We may offer you a 0% interest period of 25 or 21 months depending on your individual circumstances
  • Balance transfer fee of 2.74% (3% initial fee reduced by refund, £3 minimum) applies on transfers made at application*. The charge will depend on your current offer thereafter
  • Transfer money to your current account at the standard cash interest rate. A fee of 4% (minimum £4) at application. The charge will depend on your current offer thereafter
  • 0% interest on purchases for your first 3 months
  • No annual fee

Representative example

Purchase rate is With a representative Assumed Credit limit:
p.a. variable

19.9% APR


Your interest rate, promotional period and credit limit will vary depending on your individual circumstances.


Up to 7,500 bonus Nectar points in your first two months
Collect 750 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 7,500 points. ††

Extra rewards with every basket
Also, like with all our credit cards, this one lets you collect Nectar points wherever you shop. You'll pick up 2 Nectar points for every £1 you spend on Sainsbury's shopping and fuel, and 1 Nectar point for every £5 you spend elsewhere. †

To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Nectar points collected using your Credit Card are in addition to the points you normally collect in store or online.

Apply now

To apply by phone, please call us quoting BT 29.

Important information
Sainsbury's Bank Nectar Credit Cards are available to new Sainsbury's Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury's Nectar Credit Card on an individual basis. The interest rate, promotional period and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history.

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

*29 Month Balance Transfer Refund conditions: The offer applies to balance transfers that are made within 3 months of account opening. The balance transfer fee charged is 2.74% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 3% and a refund of the 0.26% will be applied to your account. This refund will be processed within 60 days of the balance transfer being made. The refund will appear on your statement. After 3 months from account opening, the charge will depend on your current offer thereafter. Sainsbury’s Bank reserves the right to terminate this balance transfer offer at any time. You can find details of our latest balance transfer offers at www.sainsburysbank.co.uk.

†Sainsbury’s Bank Credit Card Nectar points conditions:
  1. 2 Nectar points are collected on each full £1 of each separate shopping or fuel transaction at Sainsbury’s when you use your Sainsbury’s Bank Credit Card.
  2. Excludes Argos, Habitat, Sainsbury’s Bank, Sainsbury’s Energy and any other Sainsbury’s service which will be treated as non-Sainsbury’s purchases.
  3. For non-Sainsbury’s purchases, 1 Nectar point is collected on each full £5 of each separate transaction.
  4. Travel Money purchases are not eligible for points.
  5. 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 offer at any time.
  6. Please allow up to 60 days from your credit card statement date for the points to be credited to your Nectar account.
  7. Sainsbury's Bank reserves the right to alter or stop this offer without notice.
††Purchase bonus Nectar points conditions:
  1. Offer is available to new Sainsbury's Bank credit card customers.
  2. Remember to add your Nectar account number to your application.
  3. To get your points you'll need to stay within your credit limit and make the minimum payment on your account by the due date.
  4. Spend with Argos, Habitat, Sainsbury’s Energy, Sainsbury’s Bank (including travel money) Sainsbury's Petrol Stations (including non-fuel purchases) and any refunded transactions are excluded.
  5. Your account will be opened within 2 working days of us receiving your signed agreement and we will allow 10 days for you to receive your card before the 2 months begins.
  6. Your points will appear in your Nectar account 60 days after the end of your 2 month period.
  7. Sainsbury’s Supermarkets Ltd award the points from this offer.
  8. Sainsbury's Bank reserves the right to alter or stop this offer without notice.