Nectar Credit Card (NatWest, formerly Sainsbury's Bank) cashback rate, cap and annual fee
Nectar Credit Card (NatWest, formerly Sainsbury's Bank) pays 0.25% at Sainsbury's, Argos, Habitat, Tu and 0.1% on everything else.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
NatWest · United Kingdom · catalogue v103
Read from NatWest's own published terms on 1 Oct 2026.
NatWest has stopped issuing this card. Existing holders keep it — everything below still describes what it pays them — but it cannot be applied for.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Sainsbury's, Argos, Habitat, Tugroceries | 0.25% | —1 Nectar point per £2 at Sainsbury's, Argos, Habitat and Tu. |
| everything else | 0.10% | —1 point per £5 everywhere else. |
Questions people ask
What cashback does the Nectar Credit Card (NatWest, formerly Sainsbury's Bank) pay?
0.25% at Sainsbury's, Argos, Habitat, Tu and 0.1% on everything else.
Is there a cap on the Nectar Credit Card (NatWest, formerly Sainsbury's Bank)?
No monthly cap is published on the rates shown here.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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