Applying for a credit card can help manage spending and build your credit profile. This guide will show you how to apply for an Asda Money credit card quickly and securely online.
We’ll explain everything from the benefits and application steps to eligibility and interest rates. Use this to decide if one of Asda’s credit cards suits your daily needs.
Understanding the Asda Money Credit Cards
Asda provides three credit card types to meet different financial goals. The cards are for balance transfers, everyday use, and credit building.
Each card comes with £0 annual fees, offering a cost-effective solution. The Balance Transfer Card includes a six-month 0% interest period.
The Everyday Card rewards frequent shoppers with cashback. The Select Card supports users aiming to build their credit score.
Main Features and Card Benefits
Each Asda credit card comes with features that improve your financial control. You can manage your spending and monitor transactions securely in real time.
This section explains the benefits available to all Asda cardholders. It covers cashback, bonus rewards, and app features that support everyday convenience.
Digital Account Management
All cards include mobile app access with real-time notifications. You can view your balance, track spending, and manage payments through the app.
The app is rated 4.8/5 for ease of use and security. You can also enable Apple Pay or Google Pay for fast checkout.
Cashback and Rewards System
Cardholders earn 0.75% cashback on Asda purchases. For other retailers, you get 0.2% cashback.
Cashback is stored as Asda Pounds in your Rewards Cashpot. This balance can be redeemed in-store or online.
Welcome Bonus and Extra Offers
New Everyday and Select cardholders receive a £20 bonus. It’s added to your Rewards Cashpot after activation.
Asda Travel Insurance also earns 10% cashback. Bonus rewards help boost the value of your card early on.
How to Apply for Your Card Online?
You can apply online in just a few minutes with no paperwork needed. Eligibility checks are soft searches and won’t impact your credit score.
- Go to the official Asda Money Credit Card site
- Choose your preferred card and click Check eligibility and apply
- Fill in your personal, financial, and employment details
- Review your offer and complete your online application
- You’ll receive a decision instantly in most cases
Once approved, you can use the app for secure management. No printing or mailing is required.
Eligibility Requirements and Referrals
Before applying, it’s important to know if you meet the basic qualifications. Here are the eligibility and referral conditions you should be aware of:
- You must be at least 18 years old and a UK resident.
- Provide accurate details about your income, monthly financial commitments, and address history.
- Applications are assessed using credit data from TransUnion.
- If your application is declined, Asda cannot manually review or overturn the decision.
- You can request your credit report directly from TransUnion:
If your application is referred, no action is needed—Asda will contact you within seven working days.
Choose the Right Asda Card for You
Each Asda credit card is designed to serve a specific financial purpose. You should choose based on your needs and shopping habits.
Balance Transfer Card – Manage Your Existing Debts
This card is best if you’re trying to pay off high-interest debt from another card. You get 0% interest on balance transfers for six months.
A 3% transfer fee applies, with a minimum of £3 per transaction. The representative APR after the offer is 27.9% (variable).
It’s a short-term solution to help repay what you owe. You won’t earn cashback with this card.
Everyday Spending Card – Earn While You Shop
If you shop often, this card gives you rewards on daily purchases. You earn 0.75% cashback at Asda and 0.2% elsewhere, credited as Asda Pounds.
It comes with a £20 welcome reward upon activation. The representative APR is 27.9% (variable).
It works well for frequent shoppers. Rewards are available through your Asda Rewards app.
Select Credit Card – Build or Rebuild Credit
This option helps users with limited or poor credit history. It has a higher APR of 34.9% (variable) and reports to credit agencies monthly.
It still offers 0.75% cashback at Asda and £20 in rewards. Approval is more likely for those who don’t qualify for other cards.
Use it to improve your credit score over time. Monitor payments using the mobile app.
Important Interest Rates and Fees
Understanding fees and APR is essential before applying. Asda credit cards come with variable APRs based on your credit profile.
The representative APR is 27.9%, or 34.9% for the Select Card. These rates apply to purchases and balance transfers after the promo period.
The assumed credit limit is £1,200 but may vary. There’s no annual fee, and 3% transfer fees apply to the Balance Transfer Card.
Rewards and Cashback Details
Asda Pounds are earned automatically on eligible purchases. Spend at Asda and receive 0.75% cashback. Use your card elsewhere and get 0.2% cashback.
These go to your Rewards Cashpot. You can redeem the balance in-store or via Asda services. Cashback excludes cash withdrawals and Asda Travel Money.
You must have the Asda Rewards App to access your funds. Vouchers range from £1–£100 and expire in 90 days.
Security, App Features, and Payment Methods
Asda offers powerful digital tools for secure card management. The app provides real-time updates and tracks your spending.
You can manage the card using smartphones or tablets. Access is protected with multi-step verification. The card supports both Apple Pay and Google Pay.
You can check your rewards, balance, and payment history anytime. The app receives positive user ratings for its design. No need to wait for paper statements.
Support and Contact Details
If you need help during or after applying, support is available. Visit the FAQ section for answers about eligibility, rewards, and more. You may also contact customer service:
- TransUnion – PO Box 491, Leeds, LS3 1WZ
- Phone – 0330 024 7574
- Help Page: Asda Credit Card Help
You can manage your account anytime at Asda.com.
Final Thoughts: Should You Apply Now?
Applying for the Asda Money credit card gives you access to flexible spending, rewards, and secure app features. You can apply online in minutes, without hurting your credit score.
The application for the Asda Money credit card process is simple and fits different financial needs. If you’re eligible and want cashback rewards, it may be the right choice.
Disclaimer: Approval, credit limit, and APR depend on your financial profile. Rates and offers may change and are subject to eligibility and app usage.
