0% interest on purchases 31 months - longest ever 0% purchase credit card @ Sainsbury's Bank - HotUKDeals
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0% interest on purchases 31 months - longest ever 0% purchase credit card @ Sainsbury's Bank

£0.00 @ Sainsbury's Bank
Spotted that Sainbury's have upped their 0% purchase credit card offer to 31 months, longest 0% purchase offer in the market. Great offer if you are looking to make some purchases over the coming mont… Read More
Chanchi32 Avatar
1m, 2w agoFound 1 month, 2 weeks ago
Spotted that Sainbury's have upped their 0% purchase credit card offer to 31 months, longest 0% purchase offer in the market. Great offer if you are looking to make some purchases over the coming months.

You will also get 5000 Nectar bonus points if you use the card 4 times in the first month at Sainsbury's on petrol or grocery spend. 5000 points has a base value of £25 (worth £50 in a double up event).

p.s. if you are unsure if you will be accepted for the card worth looking at your likelihood of acceptance via the Moneysupermarket smart search tool
http://www.moneysupermarket.com/credit-cards/purchases/
Chanchi32 Avatar
1m, 2w agoFound 1 month, 2 weeks ago
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Top Comments

(5)
13 Likes
Sainsbury's bank are not on cashback sites but if you go via comparethemarket can get 2 for 1 cinema tickets for a year. If you are already an existing comparethemarket customer you can get a Limited edition star wars toy.

https://www.comparethemarket.com/credit-cards/purchases/

https://www.comparethemarket.com/galaxy-reward/
11 Likes
y_am_I_buying_this
Posted already. I'm sure


I can see a 0% for 29 month balance transfer and purchase offer posted - this is a card specifically for 0% on purchases - 31 months as per post
6 Likes
Very handy indeed.

Hot 8)
6 Likes
Thanks OP. Heat added :D Thinking of applying one for Mrs :D
6 Likes
Thanks chanchi. Hope this isn't a re-post! :{

http://i.imgur.com/jyeiTej.gif

X)

All Comments

(54) Jump to unreadPost a comment
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13 Likes #1
Sainsbury's bank are not on cashback sites but if you go via comparethemarket can get 2 for 1 cinema tickets for a year. If you are already an existing comparethemarket customer you can get a Limited edition star wars toy.

https://www.comparethemarket.com/credit-cards/purchases/

https://www.comparethemarket.com/galaxy-reward/
6 Likes #2
Very handy indeed.

Hot 8)
#3
Posted already. I'm sure
11 Likes #4
y_am_I_buying_this
Posted already. I'm sure


I can see a 0% for 29 month balance transfer and purchase offer posted - this is a card specifically for 0% on purchases - 31 months as per post
1 Like #5
Chanchi32
y_am_I_buying_this
Posted already. I'm sure

I can see a 0% for 29 month balance transfer and purchase offer posted - this is a card specifically for 0% on purchases - 31 months as per post


Alllllll right calm down dear. I thought the other was 31 months and I've just come back to say sorry it was 29. I'd read your post and title. We all make mistakes no need to get so grouchy
2 Likes #6
y_am_I_buying_this
Chanchi32
y_am_I_buying_this
Posted already. I'm sure
I can see a 0% for 29 month balance transfer and purchase offer posted - this is a card specifically for 0% on purchases - 31 months as per post
Alllllll right calm down dear. I thought the other was 31 months and I've just come back to say sorry it was 29. I'd read your post and title. We all make mistakes no need to get so grouchy

You wot son?
6 Likes #7
Thanks OP. Heat added :D Thinking of applying one for Mrs :D
6 Likes #8
Thanks chanchi. Hope this isn't a re-post! :{

http://i.imgur.com/jyeiTej.gif

X)
6 Likes #9
Mmm very nice find...
https://68.media.tumblr.com/bc1c733679f2797c9578236219bc4e0b/tumblr_inline_ok6kknQW1T1srob4n_500.gif
Ta Chanci :D
1 Like #10
Good post..good deal. Thank you.
1 Like #11
Nice find.

I got the previous offer, only negatives are no mobile banking app and the online log in system is archaic.
1 Like #12
http://www.hotukdeals.com/deals/m-s-credit-card-shopping-25-months-plus-30-cashback-plus-extra-bonus-points-2675504

If you need fewer months as you get £25 cashback not everyone needs two and a half years to pay something off
4 Likes #13
Thanks Chanchi ;)
#14
Anon32
http://www.hotukdeals.com/deals/m-s-credit-card-shopping-25-months-plus-30-cashback-plus-extra-bonus-points-2675504
If you need fewer months as you get £25 cashback not everyone needs two and a half years to pay something off
5000 Nectar points is worth at least £25 at Nectar partners. If you can wait until the end of the year when JS do a Nectar double up, they're worth £50.
#15
WillPS
Anon32
http://www.hotukdeals.com/deals/m-s-credit-card-shopping-25-months-plus-30-cashback-plus-extra-bonus-points-2675504
If you need fewer months as you get £25 cashback not everyone needs two and a half years to pay something off
5000 Nectar points is worth at least £25 at Nectar partners. If you can wait until the end of the year when JS do a Nectar double up, they're worth £50.


I think you can only double up £20 worth. But still...
6 Likes #16
y_am_I_buying_this
Alllllll right calm down dear. I thought the other was 31 months and I've just come back to say sorry it was 29. I'd read your post and title. We all make mistakes no need to get so grouchy
The response made to you was perfectly polite and factual. You're the one being "grouchy".
5 Likes #17
y_am_I_buying_this
Alllllll right calm down dear. I thought the other was 31 months and I've just come back to say sorry it was 29. I'd read your post and title. We all make mistakes no need to get so grouchy

Eh? maybe chillout yourself....
4 Likes #18
y_am_I_buying_this
Chanchi32
y_am_I_buying_this
Posted already. I'm sure
I can see a 0% for 29 month balance transfer and purchase offer posted - this is a card specifically for 0% on purchases - 31 months as per post
Alllllll right calm down dear. I thought the other was 31 months and I've just come back to say sorry it was 29. I'd read your post and title. We all make mistakes no need to get so grouchy
I think you are the one who needs to calm down, you are upsetting others
4 Likes #19
Unreal deal...

https://media.giphy.com/media/Gg8OTKzMxgsdq/giphy.gif

Cheers chichi X)
#20
I read on the previous deal of the "29 month 0% interest purchase" also from Sainsbury that nobody was able to pass their credit check.

Good luck with that.
#21
pedr0barbosa
I read on the previous deal of the "29 month 0% interest purchase" also from Sainsbury that nobody was able to pass their credit check.
Good luck with that.

I posted a different deal for a balance transfer Sainsbury's card a few months ago and lots of people got accepted for that.

If you have doubts you will be accepted, suggest you look at your likelihood of acceptance via the moneysupermarket smart search tool, only a guide though, it's not pre approval.

http://www.moneysupermarket.com/credit-cards/purchases/

Edited By: Chanchi32 on May 08, 2017 08:38
#22
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?
1 Like #23
Reality
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?


I could be wrong, but don't think your mortgage company will accept payment from a credit card, you will need to find a money transfer card, but they usually have one off fees.
#24
Does anyone know if it's possible to get this card if you already hold another Sainsbury's card? (BT in my case).

Edit: Looks like NO. "Sainsbury's Bank Nectar Credit Cards are available to new Sainsbury's Bank Credit Card customers only."

Edited By: r2mahara on May 08, 2017 10:40
#25
pglfc
Reality
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?

I could be wrong, but don't think your mortgage company will accept payment from a credit card, you will need to find a money transfer card, but they usually have one off fees.

If you like however, you could spend on this card, and overpay your mortgage (subject to maximums without penalty). It would take a while, and you probably won't get a 10K limit on this card however.
#26
Reality
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?

You could for a couple of years, but then how will you pay the card off after that?
2 Likes #27
morpheus
Reality
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?
You could for a couple of years, but then how will you pay the card off after that?
with the saved up mortgate interest :{
1 Like #28
Reality
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?
Is this for real? Did you get a mortgage from Wonga .con at 99% apr? oO
#29
Nayana
morpheus
Reality
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?
You could for a couple of years, but then how will you pay the card off after that?
with the saved up mortgate interest :{

Not sure you'd save £10k mortgage interest in 2 years from a £10k overpayment..... (_;)
#30
Sorry, I'm new to how credit cards work with these deals
If I got enough credit etc... I could in theory buy a £5k kitchen on this and pay £250 (Is minimum payment 5%?) a month over a couple of years until it was paid off and not pay any interest?
1 Like #31
pedr0barbosa
I read on the previous deal of the "29 month 0% interest purchase" also from Sainsbury that nobody was able to pass their credit check.
Good luck with that.
Totally agree with this, i tried to get this with a perfect credit score (993 of a maximum possible 999 on Experian) and was rejected outright. I was then accepted for a Virgin mortgage within the next 4 weeks followed by a Lloyds credit card with a credit limit of 15K a few weeks after. Wouldn't apply for a Sainsburys card again,
Your mileage of course may vary,
1 Like #32
Approved and £3.5k limit thanks.
1 Like #33
Voted Hot. You also get free nectar points with linked nectar cards.
I remember some people voted hot for paypal credit but this is much better.
1 Like #34
justanotherpunter
Reality
Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?
Is this for real? Did you get a mortgage from Wonga .con at 99% apr? oO


What are you on about? We are currently having to pay 4% interest on £10,000. We only have 3 years left on our mortgage and have just came out of a 5 year fixed term. No other banks are interested in a £10,000 mortgage. To remortgage they want us to up it to £25,000, so we are currently stuck with the company we took our fixed rate with. I just want to find a cheaper way to pay the £10,000 and hoped this might be an option. No need for sarcastic comments, unless you have a solution for me, then you can make all the sarcastic comments you like.
2 Likes #35
Just been approved, with around a 7k limit. Going to use in conjunction with a sharesave scheme so almost a guaranteed return. Thanks for the post.

Registration process is a bit strange as it directs you to sign up for online banking but the link isn't clickable and Finish doesn't do anything either. I've got a reference number so I'll assume all's gone through.

Edited By: Bossworld on May 09, 2017 13:05
1 Like #36
This is a really good deal, 0%, bonus nectar points, and more nectar for spending! Thanks OP!!

4.5k limit approved. This will come in most useful!!
1 Like #37
Bossworld
Just been approved, with around a 7k limit. Going to use in conjunction with a sharesave scheme so almost a guaranteed return. Thanks for the post.
Registration process is a bit strange as it directs you to sign up for online banking but the link isn't clickable and Finish doesn't do anything either. I've got a reference number so I'll assume all's gone through.

for some reason Sainsbury's dont do a digital signature so expect paperwork through the post to sign and return.

online banking is also a bit poor

apart from that v good deal
#38
Rang them earlier apparently system issues hence the abrupt end to registration. Told to ring back tomorrow to check once it's been processed.

Worryingly easy to obtain additional credit these days it seems.
#39
Bossworld
Rang them earlier apparently system issues hence the abrupt end to registration. Told to ring back tomorrow to check once it's been processed.
Worryingly easy to obtain additional credit these days it seems.

Worryingly easy?? how so?? with the other sainsburys card posted on this site days ago everyone was complaining they could not get accepted lol!
#40
leedsfan83
Bossworld
Rang them earlier apparently system issues hence the abrupt end to registration. Told to ring back tomorrow to check once it's been processed.
Worryingly easy to obtain additional credit these days it seems.
Worryingly easy?? how so?? with the other sainsburys card posted on this site days ago everyone was complaining they could not get accepted lol!

I've got no loans or similar other than the mortgage but I've already got a Virgin card that I'm stoozing with for a similar amount, and an Amex for offers/Clarity for any foreign spends. Was surprised to be accepted to be honest but it seems there's some mileage in posts stating that you're more likely to be accepted if they think they can make money off you due to holding a balance on existing credit.

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