IMPORTANT INFORMATION
Thank you for your interest but we are no longer accepting new credit card applications from new or existing customers.
Your journey to NatWest
As of 1 May 2025, NatWest are now the legal owners of certain credit card accounts.
If you are an existing customer, there will be no immediate change to how you use and access your account(s).
You’ll find more information about the journey to NatWest on our dedicated webpage.
If you need any further information about credit cards, please refer to Frequently Asked Questions.
Credit cards support
Resources
Credit cards help and support
Managing your credit card
Everything, from making a payment online to updating your details – it’s all here.
General FAQs
Answers to questions about your Sainsbury’s Bank Credit Card and Nectar - including linking your account.
Credit Card Refunds
Our full guidance on credit card refunds and what to do before getting in touch with us.
Online account FAQs
All about registering for online banking, passwords, PINs and transfers.
Fees, charges and interest
How they work, and how you can avoid fees and charges.
Using your credit card abroad
What you need to know when using your card outside the UK.
Managing your debt
If you need help managing or repaying your debt, we can help.
Apple Pay
How to add your card and use Apple Pay on your mobile device.
Google Pay
How to add your card and use Google Pay on your mobile device.
Credit Card App
How to get the Credit Card App to make it even easier to manage your finances.
Open Banking FAQs
View your payment accounts from different banks or building societies in one place.
Cost of living
Help and advice on dealing with the cost of living increases.
Your top credit card questions
Applying for a balance transfer
<p>If you’re registered for online banking then you can request a balance transfer by:</p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Logging in</a> to your account. Not already registered? <a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/register">Register here</a>.</li>
<li>Land on 'My Accounts'.</li>
<li>Select 'Account Details' for your credit card account.</li>
<li>Then select 'Request a balance transfer' from the list of links on the right hand side of the screen or at the bottom of the page if you’re using a mobile phone.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a></p>
<p>Alternatively you can call us between 8am and 8pm, Mon-Fri and 8am and 6pm Sat-Sun on <a class="ln-c-link" href="tel:08085 40 50 60*">08085 40 50 60*</a>, select Option 2 (Cards), followed by Option 1.</p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Logging in</a> to your account. Not already registered? <a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/register">Register here</a>.</li>
<li>Land on 'My Accounts'.</li>
<li>Select 'Account Details' for your credit card account.</li>
<li>Then select 'Request a balance transfer' from the list of links on the right hand side of the screen or at the bottom of the page if you’re using a mobile phone.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a></p>
<p>Alternatively you can call us between 8am and 8pm, Mon-Fri and 8am and 6pm Sat-Sun on <a class="ln-c-link" href="tel:08085 40 50 60*">08085 40 50 60*</a>, select Option 2 (Cards), followed by Option 1.</p>
Checking your balance
<p>You can do this using the <a href="https://www.sainsburysbank.co.uk/credit-cards/app">Credit Card App</a> or <a href="https://www.sainsburysbank.co.uk/onlinesupport/online-support-activate-register">Online Banking</a>. To use the app or online banking you’ll need to <a href="https://online.sainsburysbank.co.uk/servicing/servicing/register/reregister" target="_blank">register</a>.</p>
<p><strong>Credit Card App</strong></p>
<ul>
<li><a href="https://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in</li>
<li>Your balance is on the main screen after you've logged in</li>
</ul>
<p><strong>Online Banking</strong></p>
<ul>
<li>Log in to your online banking</li>
<li>Your current balance can be found under the 'My Accounts' tab</li>
</ul>
<p><strong>Be aware that your balance will exclude pending transactions which can take up to 24 hours to show.</strong></p>
<p>Alternatively, <a class="ln-c-link" href="https://www.sainsburysbank.co.uk/contact/contact-getintouch-phone#creditcards" target="_self">contact us</a> and select Option 2 (Cards), followed by Option 1 – say or key in your 16 digit card number, your date of birth and your expiry date. You can then check your balance.</p>
<p><strong>Credit Card App</strong></p>
<ul>
<li><a href="https://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in</li>
<li>Your balance is on the main screen after you've logged in</li>
</ul>
<p><strong>Online Banking</strong></p>
<ul>
<li>Log in to your online banking</li>
<li>Your current balance can be found under the 'My Accounts' tab</li>
</ul>
<p><strong>Be aware that your balance will exclude pending transactions which can take up to 24 hours to show.</strong></p>
<p>Alternatively, <a class="ln-c-link" href="https://www.sainsburysbank.co.uk/contact/contact-getintouch-phone#creditcards" target="_self">contact us</a> and select Option 2 (Cards), followed by Option 1 – say or key in your 16 digit card number, your date of birth and your expiry date. You can then check your balance.</p>
Understanding your transactions
<p>'Your credit card transactions' are on page 3 of your statement and details all the transactions made on your card since your last statement. You can view your statement online via the Credit Card App or Online Banking. To use these you'll need to <a class="ln-c-link" href="http://www.sainsburysbank.co.uk/onlinesupport/online-support-activate-register">register</a>.</p>
<p><em>Credit Card App</em></p>
<p>The last 6 months' transactions are available in the app.</p>
<ol>
<li><a class="ln-c-link" href="http://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in.</li>
<li>On 'Overview' tap on arrow by Current balance / Available balance.</li>
<li>Recent transactions are displayed. Swipe right to move back by month.</li>
</ol>
<p><em>Online Banking</em></p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Log in</a> to your account.</li>
<li>Land on 'My Accounts'.</li>
<li>Select 'View statements' for your credit card account.</li>
<li>Then select the statement you would like to view. Your most recent statement will be at the top of the list.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin"> </a></p>
<p>If a transaction appears on your credit card statement that you do not recognise, please call us immediately on <a class="ln-c-link" href="tel:0800 032 1427">0800 032 1427</a> from the UK or <a class="ln-c-link" href="tel:+441315498040">+44 131 549 8040</a> from abroad. Lines are open 24 hours a day, 7 days a week. Be aware that calls may be recorded for security purposes and monitored under our quality control procedures. Calls to 0800 numbers are free from a landline and from a mobile when calling from the UK.</p>
<p><em>Credit Card App</em></p>
<p>The last 6 months' transactions are available in the app.</p>
<ol>
<li><a class="ln-c-link" href="http://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in.</li>
<li>On 'Overview' tap on arrow by Current balance / Available balance.</li>
<li>Recent transactions are displayed. Swipe right to move back by month.</li>
</ol>
<p><em>Online Banking</em></p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Log in</a> to your account.</li>
<li>Land on 'My Accounts'.</li>
<li>Select 'View statements' for your credit card account.</li>
<li>Then select the statement you would like to view. Your most recent statement will be at the top of the list.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin"> </a></p>
<p>If a transaction appears on your credit card statement that you do not recognise, please call us immediately on <a class="ln-c-link" href="tel:0800 032 1427">0800 032 1427</a> from the UK or <a class="ln-c-link" href="tel:+441315498040">+44 131 549 8040</a> from abroad. Lines are open 24 hours a day, 7 days a week. Be aware that calls may be recorded for security purposes and monitored under our quality control procedures. Calls to 0800 numbers are free from a landline and from a mobile when calling from the UK.</p>
Reporting your card as lost or stolen
<p>If your credit card has been lost or stolen you should call us on <a class="ln-c-link" href="tel:0800 456 1232">0800 456 1232</a> as soon as you can and we'll send a replacement card to you.</p>
<p>If you're abroad when your card is lost or stolen, you should call us on <a class="ln-c-link" href="tel:+44 131 549 8040">+44 131 549 8040</a>. You can ask us to send you an emergency cash advance if you need cash. We can send you up to $1,000 (or the local currency equivalent) within 48 hours.</p>
<p>Our lines are open 24 hours a day. Be aware that calls may be recorded for security purposes and monitored under our quality control procedures. Calls to 0800 numbers are free from a landline and from a mobile when calling from the UK.</p>
<p>If you're abroad when your card is lost or stolen, you should call us on <a class="ln-c-link" href="tel:+44 131 549 8040">+44 131 549 8040</a>. You can ask us to send you an emergency cash advance if you need cash. We can send you up to $1,000 (or the local currency equivalent) within 48 hours.</p>
<p>Our lines are open 24 hours a day. Be aware that calls may be recorded for security purposes and monitored under our quality control procedures. Calls to 0800 numbers are free from a landline and from a mobile when calling from the UK.</p>
Changing your direct debit details
<p>You can do this using the Credit Card App or Online Banking. To use the app or online banking you'll need to <a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/servicing/register/reregister">register</a> .</p>
<p><em>Credit card app</em></p>
<ol>
<li><a class="ln-c-link" href="http://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in.</li>
<li>Select 'Payments' at the bottom of the screen.</li>
<li>Tap on 'Upcoming Direct Debit' and here you can 'Edit Direct Debit' or 'Cancel Direct Debit'. Just tap on the relevant option.</li>
</ol>
<p><em>Online banking</em></p>
<p>If you’re registered for online banking then you can view or change your Direct Debit amount (either minimum monthly payment or full balance) or bank details by:</p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Log in</a> to your account.</li>
<li>Land on 'My Accounts'.</li>
<li>Selecting 'Account Details' for your credit card account.</li>
<li>And selecting 'Manage my Direct Debit' on the right hand side of the screen.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a></p>
<p><em>Credit card app</em></p>
<ol>
<li><a class="ln-c-link" href="http://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in.</li>
<li>Select 'Payments' at the bottom of the screen.</li>
<li>Tap on 'Upcoming Direct Debit' and here you can 'Edit Direct Debit' or 'Cancel Direct Debit'. Just tap on the relevant option.</li>
</ol>
<p><em>Online banking</em></p>
<p>If you’re registered for online banking then you can view or change your Direct Debit amount (either minimum monthly payment or full balance) or bank details by:</p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Log in</a> to your account.</li>
<li>Land on 'My Accounts'.</li>
<li>Selecting 'Account Details' for your credit card account.</li>
<li>And selecting 'Manage my Direct Debit' on the right hand side of the screen.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a></p>
Making a payment
<p>You can do this using the Credit Card App or Online Banking. To use the app or online banking you'll need to <a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/servicing/register/reregister">register</a>. Once your payment is complete it can take between 1 and 4 days to be processed.</p>
<p><em>Credit card app</em></p>
<ol>
<li><a class="ln-c-link" href="http://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in.</li>
<li>Select 'Payments' at the bottom of the screen.</li>
<li>Options to make a payment are in the 'Other ways to pay'.</li>
</ol>
<p><em>Online banking</em></p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Log in</a> to your account</li>
<li>Land on 'My Accounts'.</li>
<li>Select 'Make a payment' for your credit card account.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin"> </a></p>
<p><em>Credit card app</em></p>
<ol>
<li><a class="ln-c-link" href="http://www.sainsburysbank.co.uk/credit-cards/app">Download the app</a> and log in.</li>
<li>Select 'Payments' at the bottom of the screen.</li>
<li>Options to make a payment are in the 'Other ways to pay'.</li>
</ol>
<p><em>Online banking</em></p>
<ol>
<li><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin">Log in</a> to your account</li>
<li>Land on 'My Accounts'.</li>
<li>Select 'Make a payment' for your credit card account.</li>
</ol>
<p><a class="ln-c-button ln-c-button--filled ln-c-button--full ln-u-hard-top ln-u-hard-bottom ln-u-hard-right size-big" href="http://online.sainsburysbank.co.uk/servicing/signin"><strong>Log in <img alt="" src="/dam/jcr:9f31347f-07eb-4ec7-9a38-12d64c61ade7/16x16px_New_window-white.png" style="width: 16px; height: 16px;" /></strong></a><a class="ln-c-link" href="http://online.sainsburysbank.co.uk/servicing/signin"> </a></p>