Apply for an Argos Card

Spread the cost with an Argos Card. Representative 29.9% APR Variable. Credit Subject to Status.

Apply for an Argos Card

Spread the cost with a credit plan

Flexible repayment options

Representative 29.9% APR variable

Argos Card.

So what's an Argos Card?

The Argos Card lets you shop at Habitat and Argos, with flexible payment plans that give you longer to pay. And you won’t pay any interest if you pay within the agreed period. 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. Plus, you can buy everyday groceries at Sainsbury's using an Argos Card (just like a regular credit card).

Ways to apply

It's easy to apply for an Argos Card. The way you apply depends on whether you need a credit plan today or whether you're lining up credit ready for future shopping at Habitat or Argos.

Apply when you check out.

Apply when you check out

Got your eye on something today? Keep shopping and we'll remind you to apply when you check out. You'll need to choose home delivery for your first Argos Card order so we can confirm your identity.

Apply to shop later.

Apply to shop later

If you're planning ahead, you can apply for an Argos Card today. We'll send out your card within 10 days. As soon as it arrives, you can shop online and in-store.

Apply in-store

Apply in-store

You can apply for an Argos Card in any store. Just reserve your order online. Then when you go into store, you can apply and pay for your stuff with an Argos Card. Just remember - bring ID and a household bill to prove your address.

What do I need to apply?

Apply now

You can apply if you...

Are over 18

Have your bank details to hand

Can tell us where you lived for the last 2 years

Have been a permanent UK resident for over a year

Need a little extra help?

If you have questions about what you’re applying for, or want to tell us anything that may affect your application, we’re on the other end of the phone. Give us a call on 03456 400 700. We'll be able to discuss your needs and offer suitable support.

Monday to Saturday: 8am - 6pm

Sunday: 10am - 6pm

Argos Card FAQs

View all

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.

If my Argos Card application isn't successful, can I re-apply?
Absolutely – just give it 1 month before re-applying.

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.

Habitat is a trading name of Argos Limited who is authorised and regulated by the Financial Conduct Authority as a credit broker, and works exclusively with Argos Card Lender, Home Retail Group Card Services, who are authorised and regulated by the Financial Conduct Authority to provide credit (716148). Home Retail Group Card Services Limited is registered in England (04007072) at 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW.

Home Retail Group Card Services Ltd and Home Retail Group Insurance Services Ltd are member of the Finance & Leasing Association and complies with its Lending Code a copy of which is available at www.fla.org.uk or can be provided on request.

Why buy at Habitat?