How to Apply for the ASDA Money Credit Card and Start Saving With Exclusive Discounts

The ASDA Money Credit Card provides a straightforward way to save on your everyday expenses.

With cashback on ASDA purchases and no annual fee, it’s built for regular shoppers.

This guide shows you how to apply and start enjoying exclusive discounts right away.

Features and Benefits

The ASDA Money Credit Card is designed to help you save more while shopping. It features a practical design and built-in rewards that cater to everyday use. Here’s what you can expect:

• Cashback on ASDA Purchases: Earn cashback when you shop at ASDA stores, ASDA.com, and George.com.
• Exclusive Discounts: Access member-only savings and special offers throughout the year.
• No Annual Fee: Keep your card at no extra cost, with no annual maintenance charge.
• Contactless Payments: Tap to pay quickly and securely in-store.
• Mobile Wallet Compatible: Use your card with Apple Pay or Google Pay for added convenience.
• Online Account Management: Track spending, view statements, and manage rewards through the ASDA Money portal.
• Secure Transactions: Benefit from built-in fraud protection and purchase security.
• Flexible Credit Limit: Credit limits are tailored based on your financial profile.

Interest Rates and Fees

Before using the card, it’s essential to understand the associated costs.

This includes interest rates on purchases, cash advances, and balance transfers, along with any applicable card fees.

Here’s a full breakdown of the key charges to be aware of:

• Representative APR: Typically around 22.9% variable, depending on your credit status.
• Purchase Interest Rate: Charged if the balance is not paid in full by the end of each month.
• Cash Withdrawal Rate: A higher interest rate applies immediately to ATM withdrawals.
• Late Payment Fee: A fixed fee is charged if you miss your payment deadline.
• Foreign Transaction Fee: A small percentage applies when you use the card abroad.
• No Annual Fee: You won’t be charged for keeping the card active year-round.
• Balance Transfer Fee (if available): May apply if you move balances from another card.

Eligibility and Requirements

To get approved, you need to meet a few standard conditions. These help the provider assess your ability to manage credit responsibly.

Here’s what you need:

• Age Requirement: You must be at least 18 years old.
• Residency: Must be a permanent resident of the UK.
• Credit History: A solid credit score increases your chances of approval.
• Income Criteria: You need to meet the minimum income level set by the issuer.
• Proof of Identity: A valid passport or driver’s licence is required.
• Proof of Address: A recent utility bill or bank statement that shows your current UK address.
• Employment Details: Information about your job status and income may be needed.

How to Apply for the ASDA Money Credit Card

The application process is simple and entirely online. Just prepare your personal and financial details and follow these steps:

1. Visit the Official Website: Go to the ASDA Money credit card section on their official site.
2. Start the Application: Click on “Apply Now” and begin filling out the online form.
3. Enter Your Details: Provide your name, address, employment status, income, and contact info.
4. Review and Submit: Double-check the information and confirm your agreement to the terms before submitting.
5. Wait for a Decision: You may get an instant response. In some cases, the provider may request more documents.
6. Activate Your Card: Once your card is approved and arrives, activate it through the online portal or by phone.

Managing Your Card and Savings

Using your card wisely helps you maximize rewards and avoid unnecessary charges. Here’s how you can stay on top of your spending and boost your savings:

• Pay in Full Each Month: Avoid interest by clearing your balance before the due date.
• Track Your Cashback: Log in to your account regularly to see how much you’ve earned.
• Use It at ASDA: Prioritize using the card for ASDA purchases to maximize your cashback.
• Set Up Alerts: Enable notifications for due dates, spending limits, and reward updates.
• Stay Within Your Limit: Keep your balance well below your credit limit to protect your credit score.
• Update Your Information Promptly: Ensure your contact and banking details are always up to date.

Security Features

Protecting your account is a top priority. The card comes with built-in tools to help you shop securely and reduce the risk of fraud.

Here are the key security features:

• Fraud Monitoring: Your account is continuously monitored for suspicious activity.
• Zero Liability Protection: You won’t be held responsible for unauthorized transactions if reported promptly.
• Two-Factor Authentication: Extra verification steps help secure your online purchases.
• Secure Online Access: Encrypted login and account protection through the online portal and mobile app.
• Card Lock Function: Temporarily freeze your card through the app if it’s lost or misplaced.
• Instant Alerts: Get notified by text or email when a transaction is made on your account.

Mobile App and Online Access

Managing your card is easier with digital tools that give you control anytime, anywhere.

Here’s what you can do through the mobile app and online account:

• View Transactions and Statements: Check recent purchases, past statements, and current balance in real-time.
• Track Rewards and Cashback: Monitor how much cashback you've earned and when it's credited.
• Make Payments: Pay your balance directly through the app or online portal.
• Set Up Alerts
• Enable reminders for payment due dates, spending limits, or unusual activity.
• Update Your Personal Details: Easily change your address, contact information, or bank details online.
• Card Control Features: Lock or unlock your card, report it lost, or request a replacement instantly.

Contact and Customer Support

When you need help with the card, here’s how to reach assistance efficiently:

Phone Support (Credit Decisions & General Inquiries):

• Call 0330 024 7574 (TransUnion customer service) for queries related to credit checks, application status, and general information.

Phone Support (Loan-related or Cost-of-Living Help):

• Call 0808 178 1505, available Monday to Friday, 9 am–6 pm, for help with repayments or loan-based support.

Email Support (Loans and Financial Support):

• Use asda@lendable.co.uk for questions about loans or repayment plans.

Online Account Portal:

• Access your account online to view statements, manage payments, send secure messages, or request card services.

To Sum Up

The ASDA Money Credit Card offers real savings on your everyday purchases with no annual fee.

With easy online management and cashback rewards, it's a practical tool for regular ASDA shoppers.

If you're eligible, apply today and start making the most of your spending.

Disclaimer

Rates, offers, and eligibility are subject to change and depend on your financial circumstances.

Approval is not guaranteed and is based on credit checks and provider criteria.