Sainsbury's Bank Dual Offer Credit Card

Benefits

  • You must be a Nectar member and should have been one for at least 6 months
  • 0% interest on balance transfers up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances
  • 0% interest on purchases for up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances
  • Balance transfer fee of 3% (minimum £3) 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
  • No annual fee

Representative example

Purchase rate is With a representative Assumed Credit limit:
20.95%
p.a. variable

20.9% APR
variable

£1,200

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

Rewards

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.

Your personal APR


We treat all our customers and their applications on an individual basis. The interest rate, promotional period and credit card we offer are determined by the details you supply, along with an independent verification of credit and repayment history.

Your personal APR will be either 20.9% APR (variable), 22.9% APR (variable), or 28.9% APR (variable). At least 51% of customers are offered our best and representative rate of 20.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.

Interest on purchases for up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances. Interest on balance transfer will be up to 20 months. We may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances.

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.

Applying for your Sainsbury's Nectar Credit Card will only take a few minutes. Before you start please read our summary box, general 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.

Please note, we may not be able to process balance transfers from some providers. Check our exclusions.

Nectar

Do you have a Nectar account?


To apply for a credit card you must be a Nectar member and should have been one for at least 6 months.


If your circumstances are likely to change

We want to make sure that you can afford to repay the credit card you are applying for. If you are aware of any likely change to your circumstances that could increase your expenditure or reduce your income please give us a call on 0800 030 4429 to apply. Things to consider could be a reduction in your working hours, retirement, maternity / paternity leave or any increase in your living costs such as rent or mortgage payments. Lines are open 8am-8pm Mon-Fri and 8am-6pm Sat-Sun. Telephone calls are free from a landline only and may be recorded for security purposes and monitored under our quality control procedures.

Customers in vulnerable situations

At times life can be challenging. Additional support is available for any customer who is in a vulnerable situation. For instance you may need extra assistance if your physical or mental health is impaired by a serious illness (such as cancer or depression or anxiety) or a challenging disability (which may affect your memory or your sight).

If you require your correspondence in another format eg. Braille / Audio, just contact us after you’ve completed your application and we can do this for you.

If anything could affect your ability to understand the application you are making today, please call us on 0800 030 44 18. We’ll be able to discuss your needs and offer suitable support. Lines are open 8am-8pm Mon-Fri and 8am-6pm Sat-Sun. Telephone calls are free from a landline only and may be recorded for security purposes and monitored under our quality control procedures.

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, credit limit and promotional period 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.

†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 card 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