Argos Card is changing FAQs

In March 2025, we completed the sale of our Argos Card business to NewDay. Argos' new partnership with NewDay means NewDay can continue to give you great value for your purchases on finance at Argos and Habitat by providing you with a wider range of repayment options.

As a result of this partnership, some updates are being made to your Argos Card account – say hello to Argos Pay. Later this year, your account will update to Argos Pay, a digital credit account provided by NewDay.

We're working hard to make sure your journey to Argos Pay is as smooth as possible. With Argos Pay, you can expect a wider range of repayment options, a new app to manage your account and an Online Account Manager if you don't like using an app. Plus, you’ll no longer need your Argos Card as you’ll pay digitally using a username and passcode when you checkout.

Here’s a quick look at what’s coming up:

February/ March – We'll tell you about the changes to be made to your Argos Card Agreement and account when it updates to Argos Pay in April and we'll send you a summary of what's changing with an updated Agreement (called the Argos Pay Agreement). Depending on your communication preferences, you'll receive this by email or post. Don’t worry, there won’t be any changes to your credit limit, interest rate or existing payment plans.

March – We’ll send you info about the new Argos Pay app, including when you’ll be invited to register and how to manage your account digitally after it updates.

March/April – We’ll guide you through getting ready for Argos Pay.

April – Welcome to Argos Pay! You'll be contacted when it's time for you to register for the Argos Pay app or Online Account Manager so you can continue to use and manage your account when it updates to Argos Pay.

No, we’ll do all the hard work for you. When the time comes, your account will be updated to Argos Pay automatically – you don’t need to re-apply. Once your account has updated you'll be able to register so you can shop and manage your account online with the Argos Pay app or Online Account Manager.

We’ll be sharing full details with our existing Argos Card customers over the next few months, as their accounts are made ready to update to Argos Pay. If you'd like to find out more about the features of Argos Pay now, click here to visit NewDay's website for more information.

Yes, for now, you can continue to use your Argos Card as normal. We'll make sure to give you plenty of notice before your Argos Card account is updated to Argos Pay, which you'll then use for future payments.

If your Argos Card is lost or stolen, please call 03456 400 700 immediately. We'll cancel your Argos Card and arrange to send you a replacement.

No, this option is only available for new customers who have applied for and been accepted for an Argos Pay account, so for the time being, as an existing Argos Card account customer, you should continue to use your Argos Card as usual.

If you attempt to apply for an Argos Pay account, this will be declined, as we’ll be updating your existing Argos Card account to Argos Pay automatically when the time comes. You won’t need to re-apply, and there'll be no further credit check. You'll then need to register for the a new Argos Pay app or Online Account Manager but don't worry, we’ll let you know what to expect ahead of time, so the update will be as smooth and simple as possible.

Yes, you can continue to use the My Argos Card App as normal, until your account updates to Argos Pay.

Once your account updates to Argos Pay, expected in April 2026, you'll use the new Argos Pay app to manage your account instead. Or if you prefer, there’s a handy Online Account Manager that you can use on devices like a laptop, desktop computer and iPad to manage your account instead of the app.

You'll be contacted when it’s time to download and register for the Argos Pay app or register for the Online Account Manager so you can continue to use and manage your account with Argos Pay.

There will be no change to your interest rate (known as the 'normal credit rate') when your account updates to Argos Pay. However, once your account updates, it will be referred to as the 'standard purchase rate' and it will be linked to the Bank of England Base Rate. We explain this separately in the FAQ 'How does the Bank of England Base Rate affect my interest rate?' 

The interest rate (known as the standard purchase rate) that will apply to your account when it updates to Argos Pay will be linked to the Bank of England Base Rate. You can see the current Bank of England Base Rate on their website at: www.bankofengland.co.uk. This means that whenever the Bank of England Base Rate changes, your standard purchase rate will change by the same amount (NewDay won't pass on any changes below 0%). If the rate does change, they'll update your standard purchase rate within seven working days and let you know the new rate on your next statement. For example, if the Base Rate went up or down by 0.25%, your standard purchase interest rate would also increase or decrease by 0.25%. 

Any promotional rates you have (including instalments or Buy Now Pay Later plans) will not be affected by any Bank of England Base Rate changes. Only balances on the standard purchase rate will move in line with the Bank of England Base Rate. Your promotional rates will remain the same for the amount of time you agreed with us or with NewDay, as long as you continue to pay your balance on time.

Deferred interest is backdated interest charged on existing Buy Now Pay Later (BNPL) plans that have been set up on your Argos Card account, before your account updates to Argos Pay. It is charged on any balance which is unpaid when the plan ends. So the more you pay before the plan ends, the less deferred interest you’ll be charged. If you repay your BNPL balance by the end of the plan, you will not be charged any deferred interest at all.

Good news: You will not be charged any deferred interest on new Buy Now Pay Later plans which are set up after your account has been updated to Argos Pay. However, NewDay will only continue to charge deferred interest on Buy Now Pay Later plans which were already in place on your Argos Card account at the time of the update.

You will be able to view any existing Buy Now Pay Later plans that were set up on your Argos Card, in the Argos Pay app and Online Account Manager once your account updates to Argos Pay. They will also be shown on your statement.

Yes, for now, you can continue to use your Argos Card to shop instore at Argos and online at Argos and Habitat.

Once your account updates to Argos Pay, expected to be in April 2026, you’ll no longer need your Argos Card as you’ll pay digitally using a username and passcode. You'll also use your mobile to pay instore and collect your items instantly, subject to stock availability.

Argos Pay is quick and simple to use and if you'd like to find out more about its features, click here to visit NewDay's website for more information.

Yes, for now, you can continue to use your Argos Card instore at Sainsbury’s (excluding the instore Travel Money Bureaux) and in Sainsbury’s petrol stations (excluding Pay-At-Pump) as usual.

From April 2026, when your account is expected to update to Argos Pay, you won’ t be able to use Argos Pay as a payment method at Sainsbury’s or Sainsbury’s petrol stations. Please refer to your email or letter about the changes to your Argos Card Agreement and account which includes a table of changes with a copy of the updated Agreement (called the Argos Pay Agreement) when you receive this in March.

No, for the time being, you should continue to make payments as you do now. For example, you can pay using the My Argos Card App, over the phone using the automated payment line, via Direct Debit or by bank transfer.

Remember, if you have a payment arrangement in place, you should continue to make these payments as agreed.

If you previously paid by post (cheque or postal order) we've written to let you know that this is no longer an available option. You'll find alternative ways to pay on the back of your statement.

Once your Argos Card updates to Argos Pay, you may need to make some changes to how you make payments. For more information on the payment options that will be available, click here to visit NewDay's website.

When your account updates to Argos Pay, your Direct Debit will switch automatically, so there's nothing you need to do. Your Direct Debit date won't change and the minimum, fixed or full payment will be collected. However, after the update, additional payments made four or more days before your payment due date, may reduce the Direct Debit taken. 

For a couple of weeks, you might see two Direct Debits set up in your bank account - one for 'Home Retail Group Card Services' (this is the one for Argos Card) and one for 'NewDay Ltd' (this is the one for Argos Pay). Don't worry - your payment won't be taken twice. Please don't cancel either of the Direct Debits as you could miss a payment; the one for 'Home Retail Group Card Services' will disappear after a while.

Yes. After your account has updated to Argos Pay, you’ll notice a small change to how your Minimum Payment is calculated. Instead of asking you to pay 1% (for accounts opened before 1 September 2020) or 4% (for accounts opened on or after that date) of your remaining Normal Credit balance, you’ll now pay 1% of the full amount you owe, including any interest and default fees. Although this could result in a lower minimum payment, you can pay as much of your balance as you like each month. If you only make the minimum payment, it will take you longer and cost you more to repay your balance.

If you already have a Buy Now Pay Later plan when your account updates, and if there is an outstanding balance when this plan ends, any deferred interest due that month will still be included in your minimum payment, just like it is today.

When your account updates, any active credit plans will remain on your account and can be viewed through the Argos Pay app or Online Account Manager once you register. You should continue to make payments to your existing plans, but you’ll need to do this via the new Argos Pay app or Online Account Manager.

If you have a credit balance, please get in touch so we can organise a refund. Where possible you should call us before your account updates to Argos Pay. Please contact us on 0345 640 0700, lines are open 8am-6pm Monday to Saturday, Sunday 10am-6pm.

Once your account updates to Argos Pay, you'll need to contact NewDay to arrange any refund. We’ll share NewDay’s new phone number and opening hours closer to the time of the update.

We’re no longer accepting new applications for the Argos Card; however, additional cardholders could consider Argos Pay or other credit options that are available. They’ll need to apply using their own details and their application will be subject to status. Click here to find out more.

No, your Argos Pay account will be for your sole use. However, they could consider having their own Argos Pay account or other credit options that are available. They’ll need to apply using their own details and their application will be subject to status. Click here to find out more.

Your credit limit won't change because your account is updating to Argos Pay. However, NewDay (the provider of Argos Pay) regularly reviews credit limits to make sure that customers have the credit limit that they believe is right for them. The assessment of the limit available to a customer is based on a combination of information available from the credit reference agencies and the information that is available about how each customer manages their account. If, after your account updates to Argos Pay, NewDay decide to offer you a credit limit increase or need to decrease your limit, they'll get in touch to let you know. Your current credit limit preferences will be carried across as they are today.

We understand that things can get tough, and we’re still here to support you. If you’re struggling to keep up with payments, please reach out to us — we’ll work with you to identify what options might be available.

If you don’t already have a repayment plan, you can set one up anytime, and it will remain in place after your account updates to Argos Pay.

Once your account has updated, you’ll need to register for the Argos Pay app or Online Account Manager to keep managing your repayments. You'll be contacted when it’s time to download and register for the Argos Pay app or register for the Online Account Manager so you can continue to use and manage your account with Argos Pay.

For extra tips and resources on managing living costs, visit: help.argos.co.uk/help/argos-card/cost-of-living-support

If you already have a repayment plan, there’s no need to worry - it will continue when your account updates to Argos Pay. Just keep making your agreed payments for now. When your account updates, you’ll manage everything through the new Argos Pay app or Online Account Manager. You’ll need to download and register for this, and we’ll share full instructions closer to the time of the update.

We’ll also give you plenty of notice about your payment options and any steps you may need to take to set these up. In the meantime, you can find more details about managing your account and the payment options coming soon with Argos Pay, on NewDay's website.

If you don’t have a repayment plan yet, you can contact us anytime to set one up, and it will carry over when your account updates to Argos Pay.

If you are already making higher payments to clear your persistent debt balance just keep making your payments as agreed and any additional payments, if you can. When your account updates to Argos Pay, you’ll manage everything through the new Argos Pay app or Online Account Manager instead of the My Argos Card App.

If you are not making higher payments, don’t worry - you can contact us anytime to set up fixed payments and it will carry over when your account updates.

Shortly after your account has updated to Argos Pay, NewDay (the provider of your Argos Pay account) will be in touch with you regarding repaying the balance on your account.

Once your account has updated, NewDay will be the credit provider, the people behind your Argos Pay account. They will manage your account and their award-winning support team will be on hand to help you after the update.

Yes, you'll continue to receive statements in the same format as you do now, unless you ask NewDay to change this.

If you've opted for paper statements, these will continue to arrive by post.

If you've opted for electronic statements, they will be available in the new Argos Pay app and Online Account Manager. NewDay will notify you by email when new statements are ready.

Yes, until your account is updated to Argos Pay, our contact centre is available to help you with any questions you have or support your needs as usual. Call us on 03456 400 700. We're available - Monday to Saturday, 8am to 6pm, Sunday, 10am to 6pm.

Once your account updates to Argos Pay, expected in April 2026, you'll contact NewDay with any account queries instead. We’ll share NewDay’s new phone number and opening hours closer to the time of the update.

Until your account is updated to Argos Pay, if you need any additional support or if you'd like any documents in large print, Braille or audio, you can request this from us for free. Please contact us on 03456 400 700, lines are open 8am-6pm Monday to Saturday, Sunday 10am-6pm.

Any arrangements for additional support you have in place will continue, unless you ask us to remove them. If you’d like to update your support preferences, please get in touch with us.

Once your account has updated to Argos Pay, expected in April 2026, you will need to contact NewDay if you need any additional support or to update or remove your support preferences.

It’s important to make sure your contact details are up to date so that you:  
- continue to receive information and stay up to date on the important changes happening  
- can register for the Argos Pay app and Online Account Manager when the time comes  
- can spend with and manage your Argos Pay account after it has been updated 
 
You can check your details on the My Argos Card App, where you can also update your email address and mobile phone number. If you need to update your postal address, give us a call on 03456 400 700 and we'll do that for you. 

For Argos Card accounts that will update to Argos Pay, we’ll continue to manage any ongoing or new complaints, disputes or claims until your account updates in April. Once your account has updated, NewDay will be your point of contact for any complaint, dispute or claim relating to your account (including claims under section 75 of the Consumer Credit Act 1974), and you should then contact NewDay via the contact methods found here.

Any complaints relating to Argos products or staff should continue to be directed to Argos. If the issue relates to items purchased from Argos or a refund, please contact Argos via the contact methods found here.

If you don't feel that Argos Pay will meet your needs, you can close your Argos Card account at any time. If you request to close your account, your card will be cancelled and you won’t be able to use your account anymore. You will need to continue making payments until your balance is repaid in full. If you have a balance when we update accounts to Argos Pay, the changes to your Agreement and account we've told you about will still apply to you, and you’ll need to register for the new app and Online Account Manager to make payments.

It’s important to note that, even if your account is closed, your data will still transfer to NewDay. NewDay will be the Controller of the Personal Data contained in the records of your account and NewDay will hold your Personal Data for all legal purposes.

It's important to note that your account and Personal Data will transfer to NewDay in April 2026, and they’ll be managing your account going forward. NewDay will become the Data Controller, responsible for keeping your information safe and using it only to manage your account in line with Data Protection laws.

• If you close your account before it updates to Argos Pay now, your card will be cancelled, but your data will still transfer to NewDay. If you have an outstanding balance, you’ll need to keep making payments until your balance is cleared. If there is an outstanding balance on your Argos Card account when it updates to Argos Pay in April 2026, the changes to your Account and your Agreement that we've told you about, will apply at that point and you'll need to either register for the new Argos Pay app or Online Account Manager to continue to make payments, or choose an alternative method.
• Whether your account status is open or you now close it before the update, NewDay must keep your data for things like handling future claims, complaints, and for regulatory, legislative, business analysis and reporting requirements. They won’t use it for anything else without your prior, express consent.
• Any permissions you’ve previously given us (except for marketing permissions) will transfer to NewDay when your account updates.
• To learn more about how NewDay will use your Personal Data or to make data-related requests to them, visit NewDay’s Privacy Notice  on their website

If your account was closed before 1st March 2025, your Personal Data will stay with Argos Financial Services and won’t be transferred to NewDay. Argos Financial Services will remain responsible for keeping this information safe and using it in line with Data Protection laws. If you need to make a request to exercise your Data Protection rights in relation to this Personal Data, you can continue to contact Argos Financial Services directly. For details on how to access historical records, please check the Sainsbury’s Bank Privacy Policy.

When your account updates to Argos Pay, provided by NewDay, they will ask you to let them know if you’d like to receive marketing communications and if so, by which channels. None of your previous marketing permissions will transfer to NewDay.

Your account will be transferred to NewDay. NewDay will be the Controller of the Personal Data contained in the records of your account and NewDay will hold your Personal Data for all legal and regulatory purposes. If you have any questions regarding your Personal Data after your account updates to Argos Pay, you can direct them to NewDay.