The Asda Money Credit Card is issued by Sygma Bank UK, which is a trading name of Sygma Banque SA in the UK. Sygma Banque SA are authorised by Banque de France and are subject to limited regulation by the Financial Conduct Authority. You can use The Asda Money Credit Card at any MasterCard location worldwide, and you can also get rewards by spending in Asda stores or by buying Asda products.
Compare Asda Money Credit Cards
Asda Money Credit Card
0% for 12 months with a 2.9% fee
0% for 6 months on purchases over £200 at George.com
Representative APR (variable)
Get 5% cashback on selected Asda Money insurance products. Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 18.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
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Asda Money Credit Card Reviews
Got an Asda Money credit card? Tell us about your experience because it will help others. Add a review.
Cash off next bill
Value for Money
Flexibility & Fairness
Recommended by terrysu
Love the fact that the cutback comes straight off my next month's bill. I shop at Asda anyway so get the higher 1% for things I'm already buying but still get half a % everywhere else. Pay in full each month so I don't know if their interest rates are competitive. Not needed to contact them yet as not had any problems so can't really comment on customer service.
I like the cashback, whereby you don't need to claim or choose "rewards", it's automatically deducted from your statement. But the credit limit is poor. Given that I have a perfect credit rating and a significant income, it is a measly 20% of my previous Amazon card account. (I cancelled because the reward scheme ended). I hoped that after 6 months they would increase it, especially since I have consistently been shovelling in large amounts of money to buy those items that exceed the credit limit. Unfortunately, the increase was quite small. I suspect they aren't that interested in someone who doesn't pay them any interest. If you are in the same situation I recommend you have another resource, because it can take several days to get a transfer into your account to ensure enough credit is available.
Ex value for money. You can set up a min or full direct debit so that you don't need to worry about missing a payment date. Also you can request instant limit
changes online via the account management page and make payments online too. Points are earned for purchases made using the MasterCard and vouchers are earned and awarded in December each year. great way to treat yourself or reduce the cost of your Christmas shopping.
This is a very good card as long as you pay it off each month, it gives you cash back everywhere you use your card, there are no limit and there is no annual fee unlike some credit card companies. You also get unlimited cash back of 1% every time you fill up at an ASDA filling station. They have a good customer service department and have always sorted any problems out, they have contacted me when they have seen suspicious activity on my account and then gone on to sort the problem out without any fuss.
I buy my shopping in ASDA and from ASDA direct so for me the credit card makes sense as I am getting money back for buying what I would normally buy. There are more points for buying in store and from ASDA direct than buying outside of the group but that is pretty standard anyway. As ASDA is one of the cheaper of the big four it works well for me and my family and to date we have had £56.00 back from shopping we were doing anyway. Also useful you can check your statements on line and monitor your bill.
That's Asda price my boy. It's just a Mastercard at the end of the day.
Value for Money
Flexibility & Fairness
Easy application, quick turnaround, reasonable credit limit. When spending pattern changes on account they just block it however, and it is a pain to get it unblocked. Yeah, appreciate security is needed, but it can be a bit much at times. 0% interest on £200+ purchases from Asda direct, but nobody else.
Customer service is okay once you get through to them on the phone, could be better though.
If you use Asda supermarket and petrol stations then this is the 1% cashback card for you.
However we have found they are reluctant to raise our limit and we would like to use it more. We do pay it off in full each month.
We've had it for a few years now and have no problems.
It is 0.5% for non-Asda shopping.
They often have other offers.
You can get foreign currency at good rates and without paying the usual credit card interest.
This card suits me as I use it for my fuel spend and get 1% cash back. This also applies to purchases in the shop.
Held for a number of years and am happy.
what do you want to know? Paid in full every month. This card took over from previous asda card.
I have answered each of your questions above and I am a minimalist.
I love this credit card. It offers 1% cashback every time you shop with Asda online or in store and 0.5% cashback for other stores and places. You built up your cashback and it shows how much you've earnt on each statement, which comes monthly or you can change to online statements.
As you can imagine, if you use this all the time your cashback really starts to add up.
I think this is one of the better ones. I was using a Lloyd's TSB for most of my purchases and gained so many points, but the rewards were not worth it as you only got a discount on buying gift vouchers say, and I didn't need that.