Activating Your Sainsbury’s Bank Credit Card at

Hey there! I wanted to help walk you through the easy process of activating your new Sainsbury’s Bank credit card so you can start earning Nectar points. This handy guide has everything you need to get up and running quickly.

A Little Background

For those who don’t know, Sainsbury’s Bank is the UK’s first supermarket bank, providing a variety of financial products to Sainsbury’s and Argos shoppers.

Owned by the popular Sainsbury’s supermarket chain, the bank aims to give loyal customers extra perks and deals. With a Sainsbury’s Bank credit card, you can grab great rewards when shopping at your favorite stores.

Once approved, activating your card is the vital next step before you can start using it.

Guide to Activate Your Sainsbury’s Credit Card at

Activating your credit card is super simple if you follow these steps:

  1. Visit the Sainsbury’s Bank activation page at
  2. If you don’t already have one, register for online banking.
  3. Enter your personal details when prompted (first name, last name, DOB, postcode, etc.)
  4. Click Continue and provide your new 16-digit card number, expiry date, and email address on the next page.
  5. You’ll receive a one-time security code – enter it to move forward.
  6. Finally, create a secure username, password, 6-digit PIN, and confirm you agree to the Terms & Conditions.
  7. Hit Complete and…congrats, your card is now active! 🎉

Tip: Have your new card in front of you when activating it online so you can easily reference the details.

Now you can use your Sainsbury’s Bank credit card to earn Nectar points and take advantage of cardholder discounts!

Making Payments

Wondering how to pay your credit card bill? Here’s the quick process:

  • Visit the Sainsbury’s Bank login page
  • Input your username and the last 3 digits of your phone number
  • Enter the one-time passcode texted to you
  • Under My Accounts, click into Account Details
  • Choose Make a Payment to pay your bill
  • Enter the payment amount and details
  • Confirm the payment


Got additional questions? Here are answers to some common queries:

How do I recover my lost PIN?

Contact Sainsbury’s Bank customer service with your card details, ID, and proof of address. They can verify your identity and help recover your PIN.

What are the eligibility requirements for a Sainsbury’s Bank card?

  • You must be 18+ years old
  • Have an annual income over £10,000
  • Reside in the UK
  • Not have been recently declined credit
  • Not already have a Sainsbury’s Bank credit card

Can I activate my card in a store?

Unfortunately, no – you need to activate new Sainsbury’s Bank credit cards online via the process above.

Let me know if any other questions come up!

I hope this guide gave you everything you need to successfully activate your new credit card! Enjoy earning rewards when you shop. 🛒