Nectar Reward Credit Card | Sainsbury's Bank

Benefits

You must be a Nectar member
0% interest on balance transfers for up to 17 months. We may offer you a 0% interest period of 14 or 12 months depending on your individual circumstances
Balance transfer fee of 3% (minimum £3) applies on transfers made at application. The charge will depend on your current offer thereafter
0% interest on purchases for up to 17 months. We may offer you a 0% interest period of 14 or 12 months depending on your individual circumstances
Collect 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after your account is opened†
No annual fee
You can pay with Google Pay™

Representative Example

Purchase rate	With a representative	Assumed Credit limit:
20.95% p.a. variable	20.9% APR variable	£1,200

Purchase rate
20.95% p.a. variable
With a representative
20.9% APR variable
Assumed Credit limit:
£1,200

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

Rewards

Colleague reward

All colleagues who make a transaction within the first 3 months get an additional 4,000 Nectar points^.

8,000 bonus Nectar points in your first two months

Collect 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after your account is opened†.

Extra rewards with every basket

Collect up to 3 points per £1 spent at Sainsbury's, Argos, Habitat and Tu Clothing when you use your credit card and swipe or scan your Nectar card. And you’ll collect 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.

To apply for a credit card you must be a Nectar member

To apply by phone, please call us on 0800 313 4596** quoting SB NECTAR WEB.

Colleague Offer Eligibility

^Colleague Nectar Points
Colleague Nectar Points are available to Sainsbury’s, Sainsbury's Bank, Argos, Habitat and Nectar colleagues, and Sainsbury’s Veterans. Limited to one points allocation per colleague. To make the most of this offer, you will need to provide your Nectar card number when you apply online or over the phone. Colleague offers are only valid when you apply via YouChoose or mention you're a colleague over the phone. Colleagues may be asked for proof of their employment status at any time during the application process. Sainsburys Bank reserves the right to alter or stop this offer without notice.

Important information
Sainsbury's Bank 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 Bank Credit Card on an individual basis. The interest rate, promotional period 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 Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

Google Pay is a trademark of Google LLC.

† 8,000 bonus Nectar points conditions
1. This offer is only available when you take out a new Sainsbury’s Bank Nectar Credit Card.
2. You’ll get 8,000 points if you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after your account is opened.
3. Points will be added to your Nectar account within 60 days of the end of the offer period.
4. This offer can’t be used in conjunction with any other introductory points offer.
5. You need to add your Nectar card number to your application.
6. Spend at 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 is excluded.
7. You won’t get any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.

†† Up to 3 Nectar points per £1 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. 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.
6. 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.
7. No cash alternative is available.
8. We reserve the right to change or cancel this offer without notice

To find out more about Nectar Reward Credit Card, give us a call or send us an email.


To apply	0800 313 4596** Quote 'SB NECTAR REWARD WEB' 8am to 7pm Mon – Fri, 8am to 6pm Sat – Sun
For lost or stolen cards	0800 456 1232** (UK) 00 44131 549 8040* (Outside UK) Lines are open 24 hours a day, 7 days a week
Haven’t received your card yet	0800 032 1371** (UK) 8am to 7pm Mon – Fri, 8am to 6pm Sat – Sun
For Sainsbury's Bank Secure Helpdesk and for technical assistance and password resets	08085 40 50 60** 8am to 7pm Mon – Fri, 8am to 6pm Sat – Sun
For all other questions	08085 40 50 60** 8am to 7pm Mon – Fri, 8am to 6pm Sat – Sun

For questions
Call 0800 313 4596**
More phone options

Lines are open: 8am–7pm Mon–Fri and 8am–6pm Sat - Sun

**Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Calls are free from a landline and from a mobile when calling from the UK.

Important information

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