The ASDA Money Credit Card is designed for everyday spending and rewards. If you shop regularly at ASDA, this card offers a simple way to earn cashback.
It also helps you save on essentials by returning a percentage of what you spend. This article will guide you through applying and using the card effectively.
What Is the ASDA Money Credit Card?
It is issued to reward frequent ASDA customers. It provides cashback in the form of Asda Pounds.
These rewards accumulate as you spend and can be used for future purchases. The card has no annual fee, making it ideal for budget-conscious shoppers.
You can apply directly online through the ASDA Money website. Approval is subject to eligibility and a credit check.
Key Benefits of the ASDA Money Credit Card
This card gives you real value every time you use it. You get higher returns when spending at ASDA and smaller cashback from other retailers.
Benefits are added to your Cashpot for use on future purchases. Cashback amounts are clearly defined and automatically tracked.
These features make managing rewards easy and convenient. You also receive a welcome bonus for signing up.
- Get £20 in your Cashpot when you sign up and meet the qualifying criteria
- Earn 0.75% cashback on all purchases at ASDA stores and online
- Earn 0.2% cashback on spending outside ASDA
Understanding Asda Pounds and Your Cashpot
Asda Pounds are a form of cashback issued with this card. You earn them every time you spend at eligible retailers.
Your balance is stored in your Cashpot and updated regularly. You can use these Pounds to reduce your future ASDA bills.
This system makes the cashback feel like instant savings. Your rewards never expire as long as your account remains active.
Where Can You Earn Rewards?
Knowing where you earn cashback helps you plan your spending better. ASDA has outlined all eligible categories where your spending earns rewards.
Using your card within these groups ensures you maximize benefits. Avoiding non-rewarded transactions will keep your earnings optimized. Below is a list of where you can earn Asda Pounds:
- ASDA Groceries (online and in-store)
- George clothing (online and in-store)
- ASDA Petrol stations
- ASDA Opticians, Mobile, and Tyres services
Where Can You Not Earn Asda Pounds?
There are some exceptions to the reward system. Certain transactions do not qualify for cashback. This includes cash-like activities and ASDA Travel Money.
Knowing what doesn't count prevents disappointment when reviewing your Cashpot. Here are the non-eligible spending types:
- Cash withdrawals and cash alternatives
- Purchases of ASDA Travel Money
- Gift card top-ups or prepaid cards
- Any service not listed in the eligible categories
APR, Annual Fee, and Financial Terms
The ASDA Money Credit Card offers a representative APR of 27.9% (variable). Some applicants may receive a higher rate, such as 34.9% APR, based on creditworthiness.
The card has no annual fee, making it a cost-effective option. Your financial profile and credit score determine your credit limit.
Interest rates for purchases, transfers, and cash advances may change. Rates follow the Bank of England base rate.
How to Apply for the ASDA Money Credit Card?
Applying is straightforward and takes just a few minutes online. You must be a UK resident aged 18 or over to qualify.
ASDA will require details of your income, financial commitments, and three years of address history.
Once submitted, your application is reviewed promptly. If approved, you'll receive a confirmation email. Your card will arrive by post shortly after.
Account Registration Requirement
To apply for the card, you need to create an ASDA.com account. This account allows access to your ASDA Money dashboard.
You can apply while registering if you don’t have one. Managing your card and viewing your Cashpot is easier with the linked account.
You can also update personal information and check spending activity. All this is done through your online account.
Managing Your Card with the ASDA Mobile App
The ASDA Money Credit Card app helps you track rewards and manage your card. It displays your current balance, pending transactions, and available Cashpot.
You can use the app to redeem rewards and monitor your financial activity. The app supports Apple Pay and Google Pay for mobile payments.
This allows you to use your card through a smartphone. It also provides quick customer support options.
Contact Details and Customer Support
If you need help with your ASDA Money Credit Card, several options are available. The app includes a customer service feature for quick inquiries.
You can also visit the ASDA Money website for live chat or FAQs. Phone support is available for account-specific issues.
Always keep your card number handy when calling support. Hours of operation and contact forms vary depending on the issue.
Using Apple Pay and Google Pay
ASDA supports contactless payments via Apple Pay and Google Pay. These services let you use your credit card on websites, apps, and stores. You must add the ASDA card to your digital wallet before use.
This requires authentication and verification through your smartphone. Both platforms offer secure payment technology. Using them is fast and convenient.
How to Add Your Card to Mobile Wallets?
Adding your ASDA Money Credit Card to Apple Wallet is simple. Open the Wallet app and follow the prompts to scan or manually enter your card.
To use Google Pay, download the Google Wallet app, and choose to add a payment method. You can scan the card or type in the number manually.
A one-time passcode will be sent to activate it. After setup, you can start using mobile payments instantly.
Tips to Maximize Your Rewards
Using your ASDA Credit Card strategically will boost your savings. Focus on using it for eligible purchases at ASDA locations.
Avoid using it for cash withdrawals or non-rewarded items. Always monitor your Cashpot through the app or website. Redeem rewards before making large grocery or petrol purchases. Here are specific tips:
- Use the card for groceries and fuel
- Pay off your balance monthly to avoid interest
- Combine the card with other ASDA promotions
- Check the app regularly for reward updates
Comparing ASDA Credit Card to Competitors
Several UK retailers offer similar reward credit cards. Compared to Tesco Clubcard Credit Card, ASDA's cashback is direct and store-focused.
Sainsbury's Credit Card offers Nectar points, but ASDA gives immediate redemption value. ASDA’s Cashpot is more straightforward than point-based systems.
If you shop mostly at ASDA, this card may be more valuable. Each card has its advantages depending on your shopping habits.
FAQs About the ASDA Money Credit Card
You might still have some questions about how this card works. Here are clear answers to the most common concerns.
- Do I need good credit to apply? Yes, approval depends on your credit history.
- How long does it take to get approved? Most applicants receive a response within minutes.
- Can I track my rewards in real-time? Yes, via the ASDA Money app.
- Are there late payment fees? Yes, so paying on time is essential.
- Can I apply without an ASDA.com account? No, registration is required.
Start Saving Every Time You Shop
The ASDA Money Credit Card gives you cashback where it matters most. You earn Asda Pounds every time you shop, which go straight into your Cashpot.
It has no annual fee and a simple rewards system. If you want a card that fits your grocery habits and helps you save, this one is worth considering.
