The Asda Cashback Credit Card is a simple way to turn everyday spending into value at your Asda shop.
The cashback scheme on the Asda Money Credit Card gives you Asda Pounds you can use in-store or online.
You apply online, check eligibility first, and manage everything in-app. Here’s what you get, what it costs, and how to apply fast.
What is Asda, and Why is Cashback at it Valuable?
Asda is one of the UK’s largest supermarket groups. It sells groceries, George clothing, and general merchandise, with nationwide stores and online delivery.
Asda is a national, high-traffic grocer. Earning cashback on those essentials—then redeeming them right back—turns routine shopping into steady value.
How the Asda Cashback Scheme Works
You earn Asda Pounds on card spend, which sit in your Rewards Cashpot. You then convert them into vouchers and spend them at Asda.
You get 0.75% back at Asda and 0.2% back elsewhere (T&Cs apply). Your rewards show in the Asda Money Credit Card app or online servicing.
This is the core value of the Asda cash back card.
Asda Cashback Credit Card Benefits
You stack rewards with the Asda Rewards app missions and your card earn rate. You keep control of spending and vouchers inside one ecosystem.
You can add the card to your mobile wallet and pay contactlessly. There’s no annual card fee, so you focus on the net value from your cash back.
App servicing is standard, with in-app chat for quick help.
Interest Rates at a Glance (Variable)
You need the real numbers before you apply.
The representative APR is 27.9% (variable); actual APRs can range higher depending on circumstances.
Purchase rate is 2.075%–2.466% per month (variable); cash advances are 2.841% per month (variable); balance transfers mirror purchase rates.
You get up to 56 days’ interest-free on purchases if you pay your statement balance in full and on time.
Fees and Charges
There’s no annual fee.
Cash fee is 3% (min £3). Non-sterling purchase fee is 2.99%; cash in foreign currency also attracts the 3% cash fee.
The late payment fee is £12. The paper statement charge is £5 each if you opt in. Credit limits typically range from £250 to £5,000, subject to status.
Application Process and Eligibility
You must be 18+ and a UK resident, and credit is subject to status.
You can run an eligibility check online without impacting your credit score, then proceed to the full application.
Prepare your address history, income, and ID details to speed things up.
- On Asda Money’s site, you can start the application and provide personal, address, and income info.
- Read the Summary Box and the key terms before you consent. Submit and complete any identity checks.
- Activate your card on arrival, add it to your wallet, and link with Asda Rewards if you haven’t already.
Managing Your Rewards and Account
You track Asda Pounds in the card app or online servicing. You convert Cashpot to vouchers when you’re ready to spend at a shop.
Set up Direct Debit for at least the statement balance to protect the interest-free period. Use alerts for due dates and transaction notifications.
Keep an eye on promotions that may boost your Asda cashback credit card benefits.
Practical Tips to Maximise Value
Use the card at Asda for the 0.75% rate; use a stronger non-Asda card elsewhere if you hold one. Avoid cash advances due to higher costs and immediate interest.
Pay in full every month to maintain interest-free days on purchases. If you need time to pay, consider the targeted balance transfer offers the issuer may send.
Keep your cashback scheme in one place by regularly converting Cashpot to vouchers before big shops.
Who Issues the Card
Jaja Finance Ltd issues the Asda Money Credit Card; Asda Stores Limited is a credit broker, not a lender.
This affects who handles servicing, complaints, and regulatory duties. You’ll see Jaja named on formal docs, statements, and the Summary Box.
Knowing the issuer helps when you need support or to escalate an issue.
- Customer support (Asda Money Credit Card): 0808 175 4600 (also available via in-app Live Chat).
- If you need the card issuer directly, Jaja Finance lists 0345 607 6500 (Mon–Fri, 9–5, excl. bank holidays) and +44 117 456 9834 from abroad.
- Asda Stores Limited registered address: Great Wilson Street, Leeds, LS11 5AD.
- Jaja Finance Ltd registered address: 27 Old Gloucester St, Holborn, London, WC1N 3AX. Keep these details for complaints or written correspondence.
Key Small Print to Read
Review the Summary Box for rates, fees, and interest-free rules before you sign.
Minimum payment is calculated using a formula that includes interest, fees, and a percentage of your balance.
Exchange rates for overseas transactions follow Visa rates and add the non-sterling purchase fee.
Charges and rates can vary with the Bank of England Bank Rate and your risk profile.
Is The Asda Cashback Credit Card Right For You?
Pick this card if you regularly shop at Asda and want rewards you will actually use. The earn rates are simple, and the ecosystem is easy to manage.
Paying only the minimum will cost more in interest and take longer to clear the debt.
If you want flexible rewards or higher returns outside Asda, compare broader cashback cards. If you carry balances, always weigh APR and any transfer offers first.
Conclusion
You can apply online in minutes, check eligibility first, and start earning cash back on day-to-day spend.
The value is strongest when you shop often at Asda and clear your balance monthly.
If that fits your pattern, the Asda cashback credit card benefits are easy to redeem. Use the contact details above if you need help at any point.
Disclaimer: This article is for information only and is not financial advice. Product details, rates, fees, rewards, and eligibility rules can change; always read the latest Summary Box, terms, and disclosures on Asda Money/Jaja before applying.