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Sainsbury's Bank

Ready for that holiday? Whether you’ve been pining for paella or craving some big city culture, this offer will help you make the most of the summer sun. We’re offering 0% interest on purchases when you use your Sainsbury’s Bank Credit Card until 31 October 2022^

How does it work?

It’s simple. Whenever you use your Sainsbury’s Bank Credit Card until 31 October 2022 you’ll pay 0% interest until this date. Travel money is not included. As long as you pay with your credit card in this time period, you’ll get this offer. It’s the perfect opportunity to make the most of your summer holiday plans.

Don’t miss the boat

Offer only available from 28 June 2022 to 31 October 2022

This offer is only available from 28 June 2022 to 31 October 2022. Any unpaid balance after this date will be charged at your current standard rate.

Up to 3 Nectar points for every £1*

If you need to grab any last-minute holiday essentials, remember you can get up to 3 Nectar points for every £1 spent at Sainsbury’s and Argos when you pay with your Sainsbury’s Bank Credit Card and scan your linked Nectar card or app. You can also get 1 point for every £5 spent everywhere else.

Holiday essentials

Need holiday cover? Sainsbury’s Bank Travel Insurance, underwritten by Great Lakes Insurance SE, could help cover the cost of any unexpected medical expenses or damaged items while you’re abroad. This also includes holidays in the UK as long as you’ve prebooked at least 2 nights stay. It could even reimburse you if you need to cancel your trip or cut it short. Plus, Nectar members save up to 20%**.

^Important information about purchases:

This offer is only available to you, and can’t be transferred to other Sainsbury’s Bank customers.
Travel money purchases are excluded from this offer.

Interest rate

If you use your Sainsbury’s Bank Credit Card to pay for purchases between the 28 June 2022 and 31 October 2022 these will be charged at 0% interest. We may apply the standard interest rate to any transaction if in any month you do not make at least your minimum payment by the payment date or if you exceed your credit limit at any time. If you breach our conditions then the standard interest rate will apply from the breach date and your credit file may be impacted as a result.

If you make a purchase, any unpaid balance after 31 October 2022 will be charged at your current standard rate thereafter.

Allocation of payments

Any payments you make will be used to first pay off amounts on which we charge the highest interest rate, then amounts at the next highest rate, and so on down to the lowest rate of interest.

Charges

If a purchase is made which takes you over your credit limit, we will charge you a fee of £12 when you exceed your credit limit. We will also charge you a fee of £12 for any late payment on your balance.

*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. If you opened your account before December 2013 these terms may not apply.
  6. 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.
  7. 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
  8. No cash alternative is available.
  9. We reserve the right to change or cancel this offer without notice.

**Travel Insurance

Discount doesn’t apply to premiums for pre-existing medical conditions, enhanced gadget cover or enhanced Covid-19 cover.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance SE, a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Sainsbury's Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 52/54 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ. Hood travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.