Asda Select Credit Card review — earn Asda Pounds and key facts
The Asda Select Credit Card is a simple, store‑linked Visa credit card offered via Asda Money, designed primarily for everyday UK shoppers who want to earn retailer‑linked rewards. The card carries no annual fee and provides modest rewards in the form of “Asda Pounds” on purchases made at Asda and elsewhere.
Credit is issued in partnership with a third party; applicants should be aware that Asda Stores Limited acts as a credit broker and that the card is issued by a partner lender.The product aims to be straightforward rather than premium: it offers a modest cashback‑style earn rate at Asda, an interest‑free period for purchases when balances are cleared, and a one‑off new‑customer Cashpot offer for eligible applicants. As with all credit products, eligibility and the exact credit limit offered are subject to status and individual circumstances.
Benefits
Key practical benefits of the Asda Select Credit Card include everyday rewards tied to Asda shopping, no annual fee and a short promotional offer for new customers. These features suit routine shoppers who prefer simplicity and easy redemption routes.
- No annual fee — annual fee is £0.
- Earn Asda Pounds — 0.75% back when you shop at Asda; 0.2% back on purchases elsewhere, credited as Asda Pounds.
- New‑customer offer — eligible new customers may receive a £20 Asda Rewards Cashpot (T&Cs apply).
- Interest‑free period — up to 56 days interest‑free on purchases if the balance is paid in full each month.
Prerequisites
To apply you must meet the card’s published eligibility conditions. Specifically:
- Be at least 18 years old.
- Be a UK resident.
- Accept that credit is subject to status and that the amount of credit and applicable rates depend on individual circumstances.
Other applicant requirements such as minimum income levels or precise credit‑score thresholds are not disclosed by the issuer as of 2025-10-02.
Who is this card for?
This card is targeted at regular Asda shoppers who want a straightforward way to earn retailer‑specific rewards and do not require premium travel or insurance benefits. It is suitable for consumers who typically pay their balance in full each month and who value an uncomplicated reward structure and in‑store integration with an existing shopping relationship.
The product may also appeal to people building or repairing credit, since the card is positioned as an entry‑to‑mainstream retail credit product rather than a premium rewards or travel card. However, those who carry a balance should weigh the card’s representative purchase APR when comparing options.
What rewards and programs does the card offer?
The Asda Select Credit Card uses “Asda Pounds” as its reward currency. The published earn rates are:
- 0.75% back (0.75 Asda Pounds per £100 spent) on Asda shopping, with certain exclusions.
- 0.2% back everywhere else, subject to the same exclusions.
Rewards are credited as Asda Pounds and may be redeemed in the ways set out by the issuer: for example, as a statement credit or as gift vouchers. Vouchers are issued in £1–£100 increments and are valid for 90 days under the published rewards terms. The published new‑customer incentive is a £20 Asda Rewards Cashpot for eligible new customers (terms and conditions apply).
Exclusions: the issuer’s materials note that Asda Pounds are not earned on cash transactions, cash equivalents or Asda Travel Money. For full redemption rules and exclusions consult the terms and the offer T&Cs (links supplied later).
Initial credit limit
The exact initial credit limit offered on application is determined by the issuer based on your credit profile. The product’s published minimum and maximum credit limits are provided below; the amount you receive will depend on the outcome of your credit assessment.
- Minimum credit limit: £250.
- Maximum credit limit: £5,000.
- How the issuer sets limits: The lender assesses affordability, credit history and other factors when deciding your individual limit; the card’s published limits are the advertised floor and ceiling.
Step by step to apply for the card
To apply for the Asda Select Credit Card follow these steps. Concrete URLs and links are provided where available.
- Visit the official application page: use the Asda Money application landing page.
- Read the product information and the representative example, which shows the Representative 39.8% APR (variable) and key fees.
- Check the full terms and the summary box (fee schedule) in PDF form if you want detailed cost and legal information; the site provides downloadable PDFs for the summary box and terms.
- Complete the online application form with your personal details, employment and income information and consent to credit checks. The issuer uses a credit reference agency; credit checks may be recorded with the bureau.
- Submit the application and wait for a decision; if successful you will be given the credit limit and the card will be issued by the partner lender.
- Manage the card online or via the mobile app once your account is active.
Mobile app
Download the account app:
Card’s pros and cons
A balanced view of the card’s strengths and weaknesses helps you decide whether it fits your needs.
Pros
- No annual fee — the card’s published annual fee is £0, which makes it cost‑effective for those who pay the balance in full each month.
- Easy‑to‑understand rewards — the Asda Pounds scheme uses a simple earn rate of 0.75% at Asda and 0.2% elsewhere, and rewards can be redeemed as statement credit or vouchers.
- New‑customer incentive — eligible new customers may receive a £20 Asda Rewards Cashpot (subject to offer terms).
- Interest‑free period — up to 56 days interest‑free on purchases if you pay in full each month.
Cons
- High representative APR — the published representative purchase APR is 39.8% (variable), and the product literature shows rates can be higher for some customers (rates range up to 47.4% APR in published materials).
- Foreign transaction fee — non‑Sterling purchases carry a 2.99% fee, which makes the card less competitive for overseas spending.
- Basic benefits — there are no issuer‑published travel insurances, purchase protections or premium travel perks included in the publicly available summary box (insurances listed as empty in the product data).
Fees and tariffs
The main costs and fees published for the Asda Select Credit Card are:
| Fee/Rate Type | Detail |
|---|---|
| Annual Fee | £0 |
| Representative Purchase APR (Variable) | 39.8% APR |
| Cash Advance APR (Variable) | 47.4% APR |
| Cash Advance Fee | 3% of the amount (minimum £3) |
| Balance Transfer Fee | 3% |
| Foreign (non‑Sterling) Transaction Fee | 2.99% |
| Late Payment Fee | £12 |
For the full fee schedule and the representative example consult the product summary box and terms and conditions supplied by the issuer.
Customer service
If you need help with the card, the published contact channels are:
- Phone: +44 808 175 4600
- Contact hours: Mon–Fri 09: 00–17: 00
Compliance and important notes
Representative APR: Representative 39.8% APR (variable) is the published example. The lender’s materials also show rates can range up to 47.4% APR depending on circumstances.
Broker and issuer arrangement: Asda Stores Limited acts as a credit broker and the credit card is issued by the partner lender; this is a published legal position required by the issuer. The product is subject to regulation and the issuer’s legal disclosures.
This information is provided for educational purposes and is based on the issuer’s publicly available materials as of 2025-10-02. Credit card terms can change. It is not specific financial advice — consider your personal circumstances and read the full terms and summary box before applying. Always use credit responsibly and, where possible, pay balances in full to avoid high interest charges.
About the author
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