Representative example

Purchase rate With a representative Assumed Credit limit:
19.95%
p.a. variable
19.9% APR
variable
£1,200

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

For whatever’s on the cards


A balance transfer could help get your finances in shape. You could transfer balances from other credit cards, save on the interest you pay and tidy everything up into one neat monthly payment.

Benefits

  • 0% interest on balance transfers for up to 30 months. We may offer you a 0% interest period of 24 months depending on your individual circumstances
  • A Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). 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
  • You can pay with Google Pay™Google Pay

Rewards


Up to 5,000 bonus Nectar points in your first two months

Collect 500 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 5,000 points. ††

Extra rewards with every basket

Collect up to 3 points per £1 spent on Sainsbury’s shopping, Argos, Habitat or Tu Clothing when you use your credit card and swipe or scan your Nectar card. And you’ll collect 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.

Apply now

To apply by phone, please call us quoting BT 30.

Important information
Sainsbury's Bank 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 Bank 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.

Google Pay is a trademark of Google LLC.

†Up to 3 Nectar points per £ conditions:

  1. You can collect points by paying with your credit card.
  2. We’ll award 2 points for each full £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK.
  3. We’ll award 1 point for each full £5 spent everywhere else. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury’s services.
  4. We don’t award points on Travel Money purchases.
  5. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days.
  6. You can collect additional points from Nectar partners, including up to 1 point per £1 in Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. You can find details of their collection rates at nectar.com
  7. No cash alternative is available.
  8. We reserve the right to change or cancel this offer without notice.

††Collect up to 5,000 Nectar points conditions:

  1. This offer is only available when you take out a new credit card.
  2. You’ll get 500 bonus Nectar points when you use your card to buy £35 or more of Sainsbury’s shopping, up to 10 times during the 2 months after we open your account.
  3. We’ll add the points to your Nectar account within 60 days of the end of the offer period.
  4. You need to tell us your Nectar card number when you apply.
  5. Spend at Argos, Habitat, Sainsbury’s petrol stations (including non-fuel purchases), Sainsbury's Bank (including travel money), Sainsbury’s Energy, Sainsbury’s Cafés, Sainsbury’s e-Gift Cards and any other Sainsbury's services is excluded.
  6. We won’t give you any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
  7. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
  8. We reserve the right to change or cancel this offer without notice.