The ASDA Money Cashback Card helps you earn cash back while spending on everyday essentials. This guide explains how to apply for and understand the benefits of this credit card.
You'll learn about cashback rates, fees, features, and how to manage your account. Make sure to review the terms and eligibility before applying.
What Is the ASDA Money Cashback Card?
This section gives you a clear overview of the ASDA Money Cashback Card. It covers features, benefits, and how rewards are earned.
Everyday Cashback Explained
The ASDA Money Cashback Card offers useful cashback benefits on regular purchases. You get 0.75% cashback on ASDA shopping and 0.2% cashback on other eligible transactions.
These rewards are returned as ASDA Pounds, which you can use in the future. The card doesn’t charge any annual fee, which helps with long-term use.
Payments are secure and compatible with Apple Pay and Google Pay. You also get real-time notifications and access to a well-rated mobile app.
Where do You Earn Cashback?
The cashback rewards apply mainly to ASDA purchases. You earn rewards when shopping on asda.com, at George.com, or in physical ASDA stores.
Fuel purchases at ASDA petrol stations are also included. Other eligible categories are clothing, optical services, and home items.
ASDA Pounds will be credited automatically within a few days. You can track them through the ASDA Money mobile app.
How ASDA Pounds Work?
ASDA Pounds are the cashback currency linked to this card. Every eligible purchase accumulates ASDA Pounds in your account.
You can redeem them on future ASDA transactions, both online and in-store. Travel insurance also earns 10% cashback if purchased using this card.
Refunds or cancellations may result in those Pounds being reversed. ASDA Pounds are viewable through your card app or online services.
Application Process – Step-By-Step Online Guide
You can apply for this card fully online in minutes. Before applying, review eligibility and ensure your details are accurate.
Eligibility Criteria
To qualify, you must meet basic conditions. These determine whether you can be approved for the card.
- You must be 18 years or older and a UK resident
- Your application is subject to credit approval
- Offers cannot be combined with other ASDA promotions
- Travel insurance cashback applies only if bought using this card
How to Apply Online?
The process is fast and doesn’t impact your credit score at the start. You get a decision almost instantly.
- Go to the official ASDA Money website
- Use the eligibility checker without affecting your credit report
- Submit personal, financial, and employment details
- Review your credit limit and rates before finalizing your application
- Approval and credit terms will be based on your individual status
Rates, Limits, and Fees
It's important to understand the cost of borrowing before getting the card. Here's what you need to know about the rates.
Representative APR
The ASDA Money Cashback Card has a 27.9% APR (variable). The assumed credit limit is £1,200. There is no annual fee, making it more affordable to keep long-term.
For the Select Credit Card (for building credit), the APR is higher at 34.9% (variable). All rates are based on your credit profile. Your actual APR may differ slightly.
Terms and Conditions
All credit offers are subject to status and may vary per user. Cashback may be removed if purchases are refunded or accounts are closed.
Balance transfers can qualify for 0% APR for 6 months, depending on the card chosen. Terms and conditions apply to all promotions.
Interest rates adjust based on the Bank of England base rate. You won’t earn cashback on ASDA Travel Money, cash advances, or cash-like transactions.
Where do You Earn Cashback?
This card rewards you for spending across ASDA services. Knowing where cashback applies helps you earn more.
Eligible Spending Categories
You can earn cashback on:
- Groceries and household items from ASDA stores and asda.com
- Purchases from George.com
- Fuel at ASDA petrol stations
- Items like clothing, home essentials, and optical services
ASDA Pounds will appear in your app within a few days of each qualifying purchase. Always check if the merchant or product is eligible.
Travel Insurance Cashback
ASDA also gives 10% cashback on their Travel Insurance policies. To qualify, you must use your ASDA Money Credit Card to make the purchase.
This also applies to auto-renewals. ASDA Pounds from insurance purchases will be visible within 3 days.
This feature only works if the policy is active and fully paid using the card. If canceled or refunded, the cashback can be withdrawn.
Managing Your Card Account
The ASDA app makes it easy to manage your card. You can track spending, check limits, and control notifications.
App Features
You can control everything from your phone. The app is rated 4.8/5 by users for its performance and convenience.
- View your real-time balance and cashback
- Get notified instantly after each transaction
- Check interest rates and spending patterns
- Set up repayment reminders and security alerts
- Manage multiple ASDA services from one place
Digital Payment Options
This card supports modern digital wallets. That includes Apple Pay and Google Pay.
- Pay faster with contactless technology
- Works both in-store and for online shopping
- Safe and encrypted transaction method
- Accepted across most retailers that support Visa
Credit Issuer and Authority
Jaja Finance Ltd. ASDA issues ASDA Money credit cards, acts only as a credit broker, not the lender. The Financial Conduct Authority regulates them.
Credit is subject to status, and terms are decided individually. For more details, refer to the card’s agreement before signing.
Customer Support and Contact Information
If you need help, ASDA Money has several support channels. You can contact them by phone or online.
How to Reach ASDA Money?
You can contact ASDA Money by phone or online for help with your account or application. The phone number is 0333 999 0933, and the service is available on weekdays and Saturdays.
They are open Monday to Friday from 8am to 8pm, and Saturday from 9am to 2pm. On Sundays, their support is closed.
You can also visit their official contact page on the ASDA Money website. This support is useful for questions about your card, rewards, or technical issues.
Help with Applications or Accounts
Use the online portal or mobile app to manage your account. You can:
- Reset login details
- Dispute transactions
- Update personal information
- Track your credit usage and benefits
Should You Apply for the ASDA Money Cashback Card?
This card is a strong choice for regular ASDA shoppers who want to earn while they spend. You can apply in minutes online and get a quick decision.
With no annual fee and rewards on eligible purchases, it's practical and user-friendly. Just make sure you qualify and understand the conditions before applying.
Disclaimer: This content is for general guidance only. Terms may change depending on your status.
