Sainsburys Credit Card

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The guiding mantra of Sainsbury Standard Credit Card is personal attention to individual care.  And this is the trait that sets it apart from all other credit card companies. Its interest rates are determined according to personal circumstances of the customer.

Features:

The most striking feature of Sainsbury Standard Credit is it flexible APR. The customer will be charged 15.9%, 18.9% or 20.9%, depending on his circumstances and financial history. The interest rate for purchases and transfer balance are the same.

The balance transfer features of Sainsbury Credit Card are simply incredible. For balance transferred in the first six month an interest of 5.94% is charged until the balance is paid off. For balance transferred after the first six months, customers will have to pay 15.94% pa, 18.95% pa or 20.95% pa, depending on their financial circumstances. In each case no balance transfer fee is charged.

The Sainsbury Standard Credit Card comes in three attractive designs.

The most distinctive feature of Sainsbury Standard Credit Card is its Creditcare Payment Protection program. It has been designed to give you protection against untoward incidents. In case of an accident or illness or unemployment problems, Sainsbury Creditcare Payment will take care of your credit card bills. In exchange of 79p per £100 on the outstanding statement balance, you get precious peace of mind. Besides, the Sainsbury credit card provides cover of £250,000 for travel accidents. It also covers for emergency legal and medical assistance abroad, flight delays, accommodation and expense coverage up to £750, lost luggage cover up to £1500. If you avail the Sainsbury car insurance then you will get a 10% discount payment made through a Sainsbury Credit card.

The other features include:

• An introductory offer of 0% interest on purchases for 10 months. Offer will last till 2008.
• Card Type- A Visa Card.
• 50 days of interest free purchasing period, as long as payments are made in full balance within due date.
• Online Access
• Credit Limit- subject to individual customer status.
• Zero annual fee.
• Security Features- Chip and Pin.

To withdraw cash, the Sainsbury Credit card can be used in over 80,000 ATM outlets and 19 million bank counters all over the world.

Eligibility Criteria:
To be eligible for Sainsbury Credit Card one has to over 18, an UK citizen with a bank account.