Choosing a supermarket card is easier when rewards, fees, and support are all mapped out in one place.
This guide explains how to apply for the ASDA Money Credit Card, how the ASDA Pounds rewards work, and the costs to watch as you spend.
You will learn the exact earn rates, the current representative APR, and the habits that keep charges low. By the end, you will have a step-by-step plan to apply, manage the account, and maximise everyday value.
What The ASDA Money Credit Card Offers
ASDA’s main credit card is built around simple cashback-style rewards that flow into your Asda Rewards cashpot.
Cardholders earn Asda Pounds on every purchase, with a higher return on spend at Asda and a lower rate everywhere else.
Rewards appear in your credit card app or online service and can be moved into your cashpot before you shop. The setup is intentionally straightforward, so you always know what each pound of spend returns.
Everyday Earn Rates You Can Track
Spend at Asda earns 0.75% back as Asda Pounds across groceries, George, Asda services, and fuel. Purchases away from Asda earn 0.2% back, which keeps rewards ticking on non-grocery spending.
Exclusions apply to cash and cash alternatives and to Asda Travel Money transactions. All earned Asda Pounds display in your credit card app and can be transferred into your Rewards cashpot for your next checkout.
App Features That Simplify Management
The Asda Money Credit Card app lets you view transactions, make payments, and freeze or unfreeze the card in seconds.
Real-time notifications help you spot unfamiliar activity and keep a live handle on your budget. You can also see your Asda Pounds and move them to the Rewards cashpot in a few taps. Apple Pay and Google Pay support is available through the app for quick contactless use.
No Annual Fee With Clear Limits
There is no annual fee for holding the card, which keeps your headline cost at zero if you avoid interest. The summary box shows the minimum credit limit starts at £250 and the maximum goes up to £5,000, subject to status.
Paper statements incur a fee if you choose them instead of digital statements. Keeping everything online reduces friction and avoids extra charges over time.
How To Maximise The Benefits
The biggest gains come from concentrating routine Asda spend on the card and moving earned value into your cashpot regularly.
Groceries, George clothing, fuel, and eligible Asda services all count toward the higher earn tier.
Make a habit of transferring Asda Pounds from the card app into the Rewards cashpot before you shop. Treat this like a monthly bill check, so the value never sits idle.
Focus Spending Where The Rate Is Highest
Plan your weekly shop, petrol stops, and seasonal purchases to run through the card at Asda. The 0.75% earn rate multiplies when you route larger planned baskets during promotions or big events.
Keep non-Asda spend on the card only when it is convenient, since the 0.2% rate is lower. This simple split lifts your average return without changing your routine.
Use The App To Move Rewards And Pay On Time
Log in after each statement cut and send your Asda Pounds into the cashpot so they are ready to spend. Set up a direct debit for at least the statement balance to keep purchases interest-free within the grace period.
Enable instant alerts so you never miss a due date or unusual transaction. Small app habits compound returns and protect your credit profile.
Stack Account Tools Without Raising Costs
Link the card to Apple Pay or Google Pay from inside the app to keep checkout smooth in-store and online. Use digital statements and app messaging to avoid paper statement fees and postal delays.
Combine Asda Pounds with your normal Asda Rewards activity so value accumulates in one place. Keep an eye on any temporary promotions so you can fill larger baskets efficiently.
Interest Rates, Fees, And Key Charges
Clear knowledge of rates and fees helps you keep rewards ahead of costs from day one.
The Asda Money Credit Card currently shows a representative 27.9% APR variable for illustrative comparison.
Purchases can benefit from up to 56 days interest-free if you pay the full statement balance by the due date. Cash interest is charged from the transaction date, which makes withdrawals an expensive choice.
Purchase, Cash, And Foreign Use Costs
The summary box confirms the maximum 56-day interest-free period on purchases when statements are cleared in full. Cash advances attract a 3% fee with a £3 minimum and begin accruing interest immediately.
Non-sterling purchases carry a 2.99% fee on the value charged in foreign currency. These costs can erode rewards quickly, so planning ahead for travel and cash needs is prudent.
Minimum Payments, Late Fees, And Allocation Rules
The minimum payment uses a published formula and will never be less than £5 unless the balance is lower.
A late payment incurs a £12 charge and will add interest, so an automated direct debit is smart.
When you pay less than the full balance, payments are allocated first to balances with the highest interest rate. Knowing this order helps you target one-off top-ups where they save the most.
No Annual Fee And Transparent Limits
There is no annual fee, which means disciplined repayment can make the card effectively cost-free to hold.
Credit limits range from £250 to £5,000 depending on status and affordability checks. Paper statements are chargeable, so digital servicing is the most economical route.
Reading the summary box before applying removes surprises and supports accurate budgeting.
How To Apply For The ASDA Money Credit Card
Applying online is the fastest route and keeps everything in one secure place, from eligibility to decision.
You begin on the product page, check your eligibility, and complete the application with income and address details.
Credit is subject to status and requires you to be a UK resident aged 18 or over. Once approved, you can add the card to mobile wallets and manage it fully in the app.
Who Provides The Card And Why It Matters
ASDA Stores Limited acts as a credit broker for the card rather than as a lender. The ASDA Money Credit Card itself is issued by Jaja Finance Limited, which appears on the legal footer and documentation.
Knowing the issuer helps you find the correct terms, summary box, and support channels. This clarity is useful if you ever need to reference the agreement or raise a complaint.
Customer Service Hotline And Main Office Details
If you need help, you can contact the credit card team by phone on 0808 175 4600 during published hours.
Live chat is also available within the card app for quick account queries and card management help.
For correspondence, the registered address is Asda House, Great Wilson Street, Leeds, LS11 5AD. Keeping these details handy makes it easy to follow up on applications or feature questions.
Practical Tips To Keep Value Ahead Of Costs
Treat cash withdrawals as a last resort because fees and immediate interest will outweigh rewards.
Use the grace period by paying the full statement balance every month, which keeps purchases interest-free.
Check your foreign usage plans in advance so you understand the 2.99% fee on non-sterling transactions. Review your summary box annually to stay current on any changes to rates or fees.
A Simple Monthly Rhythm That Works
Plan your bigger Asda shops to capture the 0.75% earn rate and transfer Asda Pounds into your cashpot on statement day.
Scan your alerts for due dates and unusual activity to keep the account healthy. Use digital statements to avoid paper fees and keep a clean record in the app.
Repeat this cycle, and your card becomes a reliable, low-effort part of your weekly routine.
Conclusion
The ASDA Money Credit Card delivers steady value when you focus on spending at ASDA and clear statements on time.
With this plan for how to apply for the ASDA Money Credit Card, you can turn everyday shopping into predictable savings while staying firmly in control.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
