General FAQs

The easiest way is to register for online banking.

You'll be able to:

  • Switch to paperless statements
  • View your statements
  • View your balance and payment due date
  • Make payments
  • Set up, view or change a Direct Debit
  • Request a new credit limit and get an instant decision
  • Request to add additional cardholders
  • Send us a secure message

Foreign currency or traveller's cheques bought at any UK bureau de change are treated as a standard purchase and we won’t charge you a cash advance fee. There will also be no card handling fee if you buy from Sainsbury's Travel Money, however other providers may charge this fee.

Foreign currency and traveller’s cheques aren’t eligible for additional Nectar points or cashback.

Yes. If you hold a Sainsbury’s Nectar Bonus Credit Card and you’ve reached the monthly £1,000 spending cap you’ll collect 2 points per £1 spent on Sainsbury’s shopping and fuel for the rest of the month. These points are in addition to what you may also collect if you swipe your Nectar card during the transaction.

If you opened a Sainsbury’s Nectar Bonus Credit Card you’ll enjoy an introductory 3 month period for your first 3 months, during which you’ll collect 8 points per £1 spent on Sainsbury’s shopping and fuel when you pay with the credit card (capped at £1,000 spend per month – beyond which you’ll collect 2 points per £1 spend on Sainsbury’s shopping and fuel. You’ll also collect 1 Nectar point per £5 spent elsewhere when you pay with your Sainsbury's Credit Card. After your first 3 month introductory period you’ll collect 2 points per £1 spent on Sainsbury’s shopping and fuel when you pay with the credit card while also continuing to collect 1 Nectar point per £5 spent elsewhere when you pay with your Sainsbury's Credit Card. These points are all in addition to what you may also collect if you swipe your Nectar card during the transaction.

If you have any other Sainsbury’s Nectar Credit Card you’ll collect 2 points per £1 spent on Sainsbury’s shopping and fuel when you pay with the credit card. You’ll also collect 1 Nectar point per £5 spent elsewhere when you pay with your Sainsbury's Credit Card. These points are in addition to what you may also collect if you swipe your Nectar card during the transaction.

If you have a Sainsbury's Nectar Credit Card then yes. With a Sainsbury’s Nectar Credit Card you’ll collect 2 points per £1 spent on Sainsbury’s shopping and fuel when you pay with the credit card. These points are in addition to what you may also collect if you swipe your Nectar card during the transaction.

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 Nectar Credit Card just get in touch.

With a Sainsbury’s Nectar Credit Card you’ll collect 2 points per £1 spent on Sainsbury’s shopping & fuel when you pay with the credit card. If you are already collecting points, you will continue to do so at the same rate subject to expiry of any introductory bonus period during which you may be collecting more points. Points collected when you pay with your Sainsbury’s Nectar Credit Card are in addition to what you may also collect if you swipe your Nectar card during the transaction.

If you pay with your Sainsbury’s Nectar Credit Card you’ll collect 2 points per £1 spent on Sainsbury’s fuel. These points are in addition to what you may also collect if you swipe your Nectar card during the transaction.

There’s no end date for collecting Nectar points on your Sainsbury’s shopping. All you have to do is pay with your Sainsbury’s Nectar Credit Card and you’ll collect 2 points per £1 spent on Sainsbury’s shopping. These points are in addition to what you may also collect if you swipe your Nectar card during the transaction.

Points will be added to the Nectar card account you provided when you applied for your credit card. Nectar points may take up to six weeks to appear on your account.

There are limits to some of the other points offers and introductory offers on our credit cards. Call our credit card customer services on the number shown on the Get In Touch link opposite if you need any more information about these. With a Sainsbury’s Nectar Credit Card you’ll collect 2 points per £1 spent on Sainsbury’s shopping and fuel when you pay with the credit card. These points are in addition to what you may also collect if you swipe your Nectar card during the transaction.

1,000 Nectar points are worth £5.

As soon as you buy something using Chip & PIN, contactless will activate on your card.

Yes, the limit is £30. This isn’t set by us – it’s the current UK retailer’s limit. So it could change.

Yes, you can. As long as the place you’re buying from supports contactless, you can use it abroad, to the local currency’s equivalent value of £30.

Contactless payments can take up to four days to leave your account – the same as Chip and PIN payments.

Bear in mind that not all contactless card payments appear immediately on your online and mobile banking statements. If you can’t see a transaction, please wait a few days for it to be added to your statement.

No. Cash back isn’t available on contactless transactions. But if you wish to get cash back, you can still use your card’s Chip and PIN.

Contactless cards and devices have multiple layers of security to protect against fraud. And as they have the same protection as Chip & PIN payments, they’re safer than cash.

If someone makes several contactless payments in a row, they'll be asked to enter the card's PIN for security purposes. And contactless payments can only be made on single purchases up to the value of £30. To buy anything above that amount, the cardholder will be asked to make a Chip & PIN payment in the usual way.



Sainsbury’s Nectar Credit Card Nectar point conditions:
2 Nectar points are collected on each full £1 of each separate shopping and fuel transaction at Sainsbury’s. Excludes all bonus points offers and points from Sainsbury's Telecoms and Energy, 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 Nectar point offer at any time, but will give as much notice as is reasonably possible before doing so. Points may take up to six weeks to appear on your account. The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd, and the collection and use of points is governed by the Nectar Collector Rules, which are set out in the registration pack and are also available on nectar.com.


Credit available subject to status to UK residents aged 18 or over from Sainsbury’s Bank Credit Cards, PO Box 10592, WIGSTON, LE18 9GZ.


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