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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.

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    Change your statement and payment date

    To change your statement date you must be the primary cardholder. Just contact us.

    Unfortunately we can't produce statements on a specific date each month but we'll try to produce your statement as close as possible to your selection.

    Change Direct Debit details

    You can do this using the Credit Card App or Online Banking. To use the app or online banking you’ll need to register.

    Credit Card App

    • Download the app and log in
    • Select 'Payments' at the bottom of the screen
    • Tap on 'Upcoming Direct Debit' and here you can 'Edit Direct Debit' or 'Cancel Direct Debit'. Just tap on the relevant option

    Online Banking

    If you’re registered for online banking then you can manage your Direct Debit by:

    • Log into your account
    • Selecting 'My Accounts'
    • Selecting 'Account Details'
    • And selecting 'Manage my Direct Debit' on the right hand side of the screen.

    You'll be able to view your current details, change the payment amount and change your bank details.

    Forgotten your PIN?

    If you’re registered for online banking then you can request a PIN reminder by:

    1. Logging in to your credit card account. Not already registered? Register here
    2. Select 'Account Details' for your credit card account
    3. Then select 'Request PIN reminder' 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.

    You’ll receive a PIN reminder by post in 3-5 working days.

    Please note: We’re not able to tell you your number over the phone. If you’ve updated your home address in the last 2 months you can only request a PIN reminder by phoning us.

    I’m thinking about closing my credit card account

    You can request to close your credit card account by completing our online form.

    If I’ve opted out of Confirmation of Payee, how do I opt back in?

    If you want to opt back into CoP, please visit our contact us page to reach out to our team.

    I’ve damaged my credit card, how do I get a replacement card?

    If you believe your card has been damaged, lost or stolen you should contact us right away on 0800 456 1232 or 00 44 131 549 8040 if you are abroad and we’ll send a replacement card for you.

    You’ll receive your new card within 5 working days.

    Please note: If you’ve updated your home address in the last 2 months you can only request a PIN reminder by phoning us.

    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.

    Does my credit card have a mobile app?

    Yes, the Sainsbury’s Bank Credit Card app helps you manage your credit card, check transaction details, and see how many Nectar points you’ve earned. See more of its features or download it on the App Store or Google Play Store.

    How can I update my address?

    You can change your address using Online Banking. Just go to the 'My details' tab, select 'Personal details' and then 'Edit details'. Once you've changed your address, we'll send you a one-time code to the mobile phone number we have on record and ask you to use the code to verify your identity.

    Can I add an additional cardholder?

    You can add an additional cardholder through Online Banking as long as they are over 18 years of age and a UK resident. Log into Online Banking to complete a request to add an additional cardholder.

    We'll need to do a credit check on your additional cardholder/s before we can add them to your account. As the primary cardholder, you'll be responsible for the transactions your additional cardholder/s make/s and for paying the whole of the card balance. Your additional cardholder/s will share your credit limit. They won't be able to service the account – we'll only discuss the account and take instructions from you.

    How can I make a payment?

    You can make a payment by logging into Online Banking. You can also make a payment with a debit card through our mobile app, via a bank transfer from your own bank, or by calling our automated telephone banking service on 0808 540 5060.

    You can also set up a direct debit via Online Banking. Please continue to make payments to your account until we confirm the direct debit has been set up.
    For more details on how to make payments, visit our support page on Managing your credit card.

    How do I link my credit card and my Nectar card?

    You can either log into your Sainsbury’s Bank Credit Card app and tap “Your linked Nectar account” to link your card. Or get in touch with us and we’ll be able to link your Nectar card for you.

    How many Nectar points will I collect on purchases?

    You’ll collect 1 Nectar point for every £2 you spend at Sainsbury’s, Argos, Habitat and Tu Clothing when you use your credit card.

    You’ll collect 1 point for each full £5 spent everywhere else. Travel Money purchases are not eligible for points.**

    Note that not all cards are eligible for points.

    Do I need to pay with my credit card to collect points?

    If you have a Sainsbury’s Bank Credit Card then yes. you’ll collect 1 Nectar point for every £2 you spend at Sainsbury’s, Argos, Habitat and Tu Clothing when you use your credit card. You’ll collect 1 point per £5 elsewhere. Note not all cards are eligible for points.

    Why am I not receiving any Nectar points?

    There could be a number of reasons for this:

    • Your Nectar card must be linked to your credit card
    • You cannot earn Nectar points on balance transfers or cash withdrawals
    • Not all cards are eligible for points

    If you'd like to link your Nectar card to your Sainsbury's Bank Credit Card just get in touch.

    Can I collect points on my current Sainsbury's credit card?

    You’ll collect 1 Nectar point for every £2 you spend at Sainsbury’s, Argos, Habitat and Tu Clothing when you use your credit card. You’ll collect 1 point per £5 elsewhere. Note not all cards are eligible for points.

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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

If you’re registered for online banking then you can request a balance transfer by:

  1. Logging in to your account. Not already registered? Register here.
  2. Land on 'My Accounts'.
  3. Select 'Account Details' for your credit card account.
  4. 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.

Log in 

Alternatively you can call us between 8am and 8pm, Mon-Fri and 8am and 6pm Sat-Sun on 08085 40 50 60*, select Option 2 (Cards), followed by Option 1.

Checking your balance

You can do this using the Credit Card App or Online Banking. To use the app or online banking you’ll need to register.

Credit Card App

  • Download the app and log in
  • Your balance is on the main screen after you've logged in

Online Banking

  • Log in to your online banking
  • Your current balance can be found under the 'My Accounts' tab

Be aware that your balance will exclude pending transactions which can take up to 24 hours to show.

Alternatively, contact us 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.

Understanding your transactions

'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 register.

Credit Card App

The last 6 months' transactions are available in the app.

  1. Download the app and log in.
  2. On 'Overview' tap on arrow by Current balance / Available balance.
  3. Recent transactions are displayed. Swipe right to move back by month.

Online Banking

  1. Log in to your account.
  2. Land on 'My Accounts'.
  3. Select 'View statements' for your credit card account.
  4. Then select the statement you would like to view. Your most recent statement will be at the top of the list.

Log in 

If a transaction appears on your credit card statement that you do not recognise, please call us immediately on 0800 032 1427 from the UK or +44 131 549 8040 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.

Reporting your card as lost or stolen

If your credit card has been lost or stolen you should call us on 0800 456 1232 as soon as you can and we'll send a replacement card to you.

If you're abroad when your card is lost or stolen, you should call us on +44 131 549 8040. 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.

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.

Changing your direct debit details

You can do this using the Credit Card App or Online Banking. To use the app or online banking you'll need to register  .

Credit card app

  1. Download the app and log in.
  2. Select 'Payments' at the bottom of the screen.
  3. Tap on 'Upcoming Direct Debit' and here you can 'Edit Direct Debit' or 'Cancel Direct Debit'. Just tap on the relevant option.

Online banking

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:

  1. Log in to your account.
  2. Land on 'My Accounts'.
  3. Selecting 'Account Details' for your credit card account.
  4. And selecting 'Manage my Direct Debit' on the right hand side of the screen.

Log in 

Making a payment

You can do this using the Credit Card App or Online Banking. To use the app or online banking you'll need to register. Once your payment is complete it can take between 1 and 4 days to be processed.

Credit card app

  1. Download the app and log in.
  2. Select 'Payments' at the bottom of the screen.
  3. Options to make a payment are in the 'Other ways to pay'.

Online banking

  1. Log in to your account
  2. Land on 'My Accounts'.
  3. Select 'Make a payment' for your credit card account.

Log in