Argos Card Credit Plans

Shop at Habitat with flexible payment plans that give you longer to pay. Representative 34.9% APR Variable.

Representative 34.9% APR Variable

Win a £500 Argos e-Gift Card*

150 chances to win when you apply for the Argos Card

Apply and be accepted for the Argos Card between 05/02/2025 and 11.59pm 11/03/2025, and you’ll automatically be entered into the prize draw when you spend with the Argos Card by 11.59pm on 14/04/2025. New customers only, one entry per person. ​

​Representative 34.9% APR variable.​

​Credit subject to status. T&Cs apply.​

Open to UK residents (except those residing in Northern Ireland). 18+ only.​

Apply for the Argos Card

Representative 34.9% APR Variable

Representative 34.9% APR Variable

The Argos Card lets you shop at Argos and Habitat, with flexible payment plans that give you longer to pay. Plus, you can buy everyday groceries and fuel at Sainsbury's using the Argos Card (just like a regular credit card).

Representative 34.9% APR variable

  • Pay no interest on your basket spend £149+ when you pay your full balance within 3 months.
  • Pay no interest on your basket spend £199+ when you pay your full balance within 6 months.
  • Pay no interest on any product £499+ when you pay your full balance within 12 months.

With the Argos Card, no interest will be charged if you pay in full within your credit plan period and keep your account up-to-date. If you don’t pay in full, you’ll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of purchase.

Special offer credit plan with longer to pay...

Got something in mind? To make it easier to choose, we've listed a selection of our special offer credit plans below. If these don't catch your eye, you can still use the Argos Card to take out a standard credit plan on anything you buy at Habitat.
Representative 34.9% APR variable. Credit subject to status. T&Cs apply.

No interest will be charged if you pay in full within your credit plan period and keep your account up to date. If you don’t pay in full, you’ll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of purchase.

What are you waiting for? Get shopping...

Pay no interest
on your basket spend £149+ when you pay your full balance within 3 months.

Pay no interest
on your basket spend £199+ when you pay your full balance within 6 months.

Pay no interest
on any product £499+ when you pay your full balance within 12 months.

Find out more
Credit subject to status. T&Cs apply.

Nothing caught your eye? Check out our standard credit plans. These can be taken out on anything you're buying online at Habitat or at Argos.

Standard Credit Plans

Normal credit

Normal credit

when you spend under £149.
3 months to pay.

3 months to pay

when you spend £149+.
6 months to pay

6 months to pay

When you spend £199+.
12 months to pay

12 months to pay

on any produc £499+.
How it works.

How it works

First things first, add what you want to your trolley. Once you've finished browsing and shopping, you'll see your credit plan options and application details at the checkout.

Manage your Argos Card account

Already got an Argos Card? From making payments, to changing your contact details, it's quick and easy to keep on top of your finances with the Argos Card App

Manage your Argos Card.

Make life easier, get the App...

Sort your life admin wherever you are. Go paperless and download the Argos Card App to manage your credit plans, view your statements, set up alerts and make payments.

Want to learn more?

Credit scores

Credit scores

Being a grown up is hard. While credit scores might seem dull, getting your finances in shape is a really important life admin task to tick off the list. We've pulled together some info with Sainsbury's Bank to make it all a bit easier to understand.

A to Z of finance terms.

A to Z of finance terms

What on earth does that mean? Some abbreviations, institution names and definitions in the banking and finance world can be confusing. We've brought together a glossary of words to help simplify the small print and untangle the T&Cs...

Argos Card FAQs

We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the credit you are applying for, along with an independent verification of your credit and repayment history.

My Argos Card has been lost/stolen – what should I do?
Let us know immediately by calling us on 03456 400 700.
We’re available…
Monday to Saturday, 8am to 6pm
Sunday, 10am to 6pm

What if I can’t make my Argos Card payments?
Please call us on 03456 400 700.

We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. If you’re having any problems at the moment, please do call us and we can talk through which options are available to you.

Can I use my Argos Card to shop anywhere in Sainsbury's?
Mostly, yes - you can use your Argos Card to buy groceries, Tu Clothing, Homewares, Electronics – basically anything that’s stocked in Sainsbury's and Sainsbury’s Local stores. You can also use your Argos Card to buy fuel at Sainsbury's petrol stations, excluding Pay At Pump and to purchase any goods at Sainsbury's petrol station convenience stores. With the Argos Card, only normal credit is available in Sainsbury’s.

However, you can’t use your Argos Card to shop online at Sainsburys.co.uk or when using the Sainsbury's app.

There are also a few places within Sainsbury’s where you can’t use your Argos Card to buy anything:

  • Sainsbury’s in-store Travel Bureaux

It’s just a systems thing, sorry!

One more thing to note - Argos Gift Cards/ eGift Cards cannot be spent in Sainsbury’s stores. However, if your local Sainsbury’s has an Argos-branded concession inside it, you can use it there.

*This prize draw (the “Promotion”) is open only to UK residents aged 18 and over, with the exception of employees of the Promoter (defined below) or anyone else associated with the administration of this Promotion and those residing in Northern Ireland.

  1. To enter into the Promotion, apply for the Argos Card and be accepted during the promotional period between 05/02/2025 and 11.59pm 11/03/2025 and make one purchase using the Argos Card by 11.59pm 14/04/2025. You will automatically be entered into the prize draw to have a chance to win a £500 Argos e-Gift card. Entries are restricted to one per person for the duration of the Promotion. No entries from agents, third parties or organised groups will be accepted. No bulk entries. No fraud transactions. New customers only.
  2. The Promotion opens between 05/02/2025 and 11.59pm 11/03/2025 for receipt of all entries.
  3. There are one hundred and fifty £500 Argos e-Gift cards (the “Prize”) to win. Please note that the Prize will be subject to the terms of use found at https://www.argosgiftcard.co.uk/Argos/ByPost/Argos/TermsAndConditions
  4.  All new customers who have applied for an Argos Card and been accepted during the promotional period and made a purchase using their Argos Card by 14/04/2025 will be included in the prize draw. One hundred and fifty winners will be drawn at random by the digital generator on 21/04/2025. The Promoter’s decision is final and binding in all matters and no correspondence will be entered into.
  5. The winners will be notified via phone and therefore entrants will need to have supplied a valid phone number when applying for an Argos Card. The winners will be contacted by 28/04/2025. If a winner does not respond when contacted on two separate occasions, the Prize will be forfeited, and a back-up winner will be chosen and notified by phone. The E-Gift Card will be emailed to the winners therefore entrants will need to provide a valid email address.
  6. The Prize is non-transferable and no cash or alternatives will be offered. If you do not wish to accept the prize, you may refuse it when it is offered to you, and a back-up winner will then be notified.  Entry into the Promotion constitutes each entrant's acceptance of these terms and conditions and gives the Promoter permission to contact you if you’re a winner. The Promoter reserves the right to exclude customers from entry into the draw who are (need list of customers we’d exclude). refuse entry or refuse to award the Prize, to anyone in breach of these terms and conditions.  The Promoter reserves the right to substitute the Prize for one of greater or equal value.
  7. The Prize will be delivered to the winners within 28 days of Prize acceptance.
  8. Proof of identity may be asked for before the Prize is awarded. The E-Gift Card will be emailed to the winners, therefore entrants will need to provide a valid email address.
  9.  Personal data relating to entrants will be used solely:
    a) for the purposes of this Promotion; and/or
    b) by any agent appointed to assist with running the Promotion on behalf of the Promoter, and will not be disclosed to a third party for any other purpose. Entrants’ personal data will be handled in accordance with this privacy policy, available at argosgiftcard.co.uk/Argos/ByPost/Argos/PrivacyPolicy
  10.  The Promoter is not responsible or liable for:
    a) any entries that are lost or delayed due to faulty or failed electronic data transmissions;
    b) communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines satellites, servers, computers or providers utilised in any aspect of this Promotion causing delays or disruption; or
    c) Prize claims which are lost, delayed, corrupted, damaged, misdirected or incomplete or cannot be delivered for any technical, delivery or other reason. Proof of email will not be accepted as proof of receipt.
  11. Winners may be requested to participate in any reasonable publicity when asked by the Promoter and shall not receive payment for such publicity. You may opt-out of publicity.
  12. By entering this Promotion, entrants agree to be bound by these Terms and Conditions governing this Promotion and by any other requirements set out in related promotional materials.
  13. The name and county of the Prize winners can be obtained by emailing  financialservicesmarketing@sainsburys.co.uk and quoting the code: AFS: AC500 within 3 months of the Promotion close date. If you do not want your surname and county included on the list of winners referred to above, you must notify the Promoter within a reasonable period of time before the closing date of the Promotion.
  14. If you would like a written copy of these full Terms and Conditions, please email: financialservicesmarketing@sainsburys.co.uk providing your address and contact details.
  15. The Promoter reserves the right to vary these Terms and Conditions or cancel the Promotion at any stage in the event of circumstances arising beyond its reasonable control.
  16. Any question concerning the legal interpretation of the rules will be based on English law and the Courts of England and Wales will have exclusive jurisdiction.

Promoter: Home Retail Group Card Services Limited (t/a “Argos Card” and “Argos Financial Services”) of 33 Holborn, London, EC1N 2HT.

Spread the cost on your Habitat shopping with an Argos Card. You can choose from one of our standard credit plans or check out our special offer credit plans. These are time-limited credit offers available on top products including indoor and outdoor furniture.

The Argos Card allows you to buy now, pay later and it’s easy to manage your account with the Argos Card App. So, if you need a new sofa, want to shop the latest lighting from Habitat or are on the hunt for the latest outdoor furniture, apply for an Argos Card online.

Credit subject to status. T&Cs apply. Representative 34.9% APR variable.

Why buy at Habitat?

You can now collect and spend Nectar points when you shop at Habitat

You can now collect and spend Nectar points when you shop at Habitat.

Order online and collect the same day

Order online and collect the same day. Find out more.