expanded Key benefits


  • 0% interest on balance transfers for your first 36 months
  • Nectar cardholders exclusive: Balance transfer fee of 2.89% applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times).
  • 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

18.9% APR


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


Up to 10,000 bonus Nectar points in your first two months
Earn 1,000 bonus points each time you spend £40 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 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 collect from swiping your Nectar card or using it online during a transaction.

Apply now

How to apply

Applying for your new credit card takes just a few minutes. Before you get started, please read our privacy statement.

Please ensure this product suits your needs and you have considered that it is the right product for you.

You're eligible to apply if you:

  • Have a permanent UK address
  • Are over 18 years of age
  • Have not been declined credit in the last month
  • Do not have a history of bad credit
  • Are not an existing Sainsbury's Bank Credit Card holder

You can speed up your application if you have the following at hand:

  • Your bank or building society account details
  • Details of any loans, credit cards or store cards in your name
  • Your employer's name and address
  • Your Nectar card
Apply now

To apply by phone, please call 0800 030 4429 ** quoting 36 BT WEB.

Representative example

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

18.9% APR


Your interest rate and credit limit will vary depending on your individual circumstances

Existing Sainsbury's Bank Credit Card holders

If you are an existing credit card customer, please call us on 08085 40 50 60 ** to discuss your options.

Your online security

Your online credit card application is protected by high security, 128-bit encryption software.

Once you've completed your online application, we'll carry out a credit check. Once you're approved, we'll send you the completed application form so you can sign it, along with a copy of our terms and conditions.

Get in touch

To find out more about Sainsbury's 36 Month Balance Transfer Credit Card, give us a call or send us an email.

To apply 0800 313 4596**
Quote ‘36 BT WEB'
8am-10pm Mon-Fri, 8am-7pm Sat-Sun
For lost or stolen cards 0800 456 1232 ** (UK)
7 days a week
00 44131 549 8040 ** (outside UK)
7 days a week
Haven’t received your card yet 0800 032 1371 ** (UK)
8am-10pm Mon-Fri, 8am-7pm Sat-Sun
Online Banking helpdesk 08085 40 50 60** (UK)
00 44131 549 8040** (outside UK)
8am-10pm Mon-Fri, 8am-6pm Sat-Sun
For all other questions 08085 40 50 60** (UK)
8am-Midnight Mon-Fri, 8am-6pm Sat-Sun
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 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 plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.
†Sainsbury’s Bank Credit Card Nectar points conditions:
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. Excludes Sainsbury's Telecoms, Energy, Argos and Habitat which will be treated as non-Sainsbury's purchases. For non-Sainsbury's purchases, 1 Nectar point is collected on each full £5 of each separate transaction. Travel Money purchases are not eligible for points. 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. Please allow up to 60 days from your credit card statement date for points to be credited to your Nectar account. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration and at nectar.com
††Purchase bonus Nectar points conditions:
Offer is available to new Sainsbury's Bank credit card customers who apply by 25th March 2018. Remember to add your Nectar card number to your application. 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. Spend with Argos, Habitat, Telecoms, Travel Money, Sainsbury's Petrol Stations (including non-fuel purchases) and any refunded transactions are excluded. 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. Please allow two months from the end of the offer period for your points to appear in your Nectar account. Sainsbury's Supermarkets Ltd award points from this offer. Aimia Coalition Loyalty UK run the Nectar loyalty programme. Sainsbury's Bank reserves the right to alter or stop this offer without notice.