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  • FIRST POST
    • techno79
    • By techno79 1st Jan 18, 7:02 PM
    • 274Posts
    • 35Thanks
    techno79
    Making the most of the Asda cashback credit card
    • #1
    • 1st Jan 18, 7:02 PM
    Making the most of the Asda cashback credit card 1st Jan 18 at 7:02 PM
    I'm interested in the Asda Cashback Plus card (2% at Asda, 1% everywhere else) but it has a relatively low monthly credit of £1,200. My monthly spend on some months can be higher than this and I'm wondering if it's possible pay off the credit card balance before it is due. Some previous credit cards that I owned, do allow this so I'm hoping this is possible and a way for me to spend over £1,200 on the same credit card in a given month.

    Can anyone confirm if this is possible?

    If not then I'd need a secondary cashback card which is a bit annoying.
Page 1
    • A4445
    • By A4445 1st Jan 18, 7:11 PM
    • 686 Posts
    • 316 Thanks
    A4445
    • #2
    • 1st Jan 18, 7:11 PM
    • #2
    • 1st Jan 18, 7:11 PM
    The 1200 is an example your limit could be more or less.My ASDA card started with £3000 limit and this has increased to over £5000.The card your looking at has the higher cashback reward but comes with a £3 monthly fee.
    • techno79
    • By techno79 1st Jan 18, 7:15 PM
    • 274 Posts
    • 35 Thanks
    techno79
    • #3
    • 1st Jan 18, 7:15 PM
    • #3
    • 1st Jan 18, 7:15 PM
    The 1200 is an example your limit could be more or less.My ASDA card started with £3000 limit and this has increased to over £5000.The card your looking at has the higher cashback reward but comes with a £3 monthly fee.
    Originally posted by A4445
    Awesome, thanks for the quick reply. That's great news as I didn't want to do a two card juggle. Hopefully, I can get a high enough credit limit to cover my higher spending months. Yes, I had calculated that the Cashback Plus card would give me more cashback even when the £3 monthly fee had been factored in. Thanks for the warning though :-D
    • A4445
    • By A4445 1st Jan 18, 7:20 PM
    • 686 Posts
    • 316 Thanks
    A4445
    • #4
    • 1st Jan 18, 7:20 PM
    • #4
    • 1st Jan 18, 7:20 PM
    No worries, Creation who run the ASDA card are normally quite generous with their limits and there is a eligibility checker to see if your likely to be approved. If you do apply it would be interesting to know what limit you get!
    • blitzboy
    • By blitzboy 2nd Jan 18, 11:03 AM
    • 438 Posts
    • 236 Thanks
    blitzboy
    • #5
    • 2nd Jan 18, 11:03 AM
    • #5
    • 2nd Jan 18, 11:03 AM
    If the limit isn't high enough then yes you can pay the card off at any time. The payment will show on the card within a day (maybe immediately, I've never checked to be honest) so your available balance will increase by the amount paid.
    • Akahotpot
    • By Akahotpot 2nd Jan 18, 3:26 PM
    • 84 Posts
    • 34 Thanks
    Akahotpot
    • #6
    • 2nd Jan 18, 3:26 PM
    • #6
    • 2nd Jan 18, 3:26 PM
    My ASDA card takes a minimum of 10 days to show a credit paid even by faster payments
    Debits show quickly
    I got 5k straight off the bat
    • dj1471
    • By dj1471 2nd Jan 18, 8:14 PM
    • 1,033 Posts
    • 710 Thanks
    dj1471
    • #7
    • 2nd Jan 18, 8:14 PM
    • #7
    • 2nd Jan 18, 8:14 PM
    My ASDA card takes a minimum of 10 days to show a credit paid even by faster payments
    Originally posted by Akahotpot
    10 days??? I make additional payments by debit card which appear within a day or two.
    • Akahotpot
    • By Akahotpot 3rd Jan 18, 12:34 PM
    • 84 Posts
    • 34 Thanks
    Akahotpot
    • #8
    • 3rd Jan 18, 12:34 PM
    • #8
    • 3rd Jan 18, 12:34 PM
    Yep I transfer directly from my FD account but it takes over a week to show up on the online dashboard
    • A4445
    • By A4445 3rd Jan 18, 2:20 PM
    • 686 Posts
    • 316 Thanks
    A4445
    • #9
    • 3rd Jan 18, 2:20 PM
    • #9
    • 3rd Jan 18, 2:20 PM
    I've always paid by debit card and it shows on the online system in 2/3 days!
    • singhini
    • By singhini 3rd Jan 18, 2:56 PM
    • 285 Posts
    • 173 Thanks
    singhini
    Interesting, I didn't know about the ASDA Credit Card (I just checked the ASDA website and they do 3 types of Credit Card).


    I have the Santander ALL-IN-ONE credit card and I get 0.5% cashback on all purchases but there is a £3 monthly charge). The £3 is waived for the first 6 months


    As I am coming to the end of my 6 month fee free period I think I will apply for the ASDA Cashback credit card (1% at ASDA and 0.5% all other purchases and no annual fee)


    Unless anyone can think of a better cashback fee free card?
    • dj1471
    • By dj1471 3rd Jan 18, 8:26 PM
    • 1,033 Posts
    • 710 Thanks
    dj1471
    Unless anyone can think of a better cashback fee free card?
    Originally posted by singhini
    It's worth pointing out that the "cashback" is actually vouchers for use in Asda. As long as that works for you it's a decent non-Amex cashback card.
    • singhini
    • By singhini 3rd Jan 18, 10:24 PM
    • 285 Posts
    • 173 Thanks
    singhini
    It's worth pointing out that the "cashback" is actually vouchers for use in Asda. As long as that works for you it's a decent non-Amex cashback card.
    Originally posted by dj1471
    Hi, and thanks as i didnt know that
    • blitzboy
    • By blitzboy 4th Jan 18, 10:23 AM
    • 438 Posts
    • 236 Thanks
    blitzboy
    Yes it's recently changed from cashback to ASDA vouchers. I've moved to Amazon Platinum now, same 0.5% but Amazon vouchers instead of ASDA ones as there isn't an ASDA near us. Both the same in terms of what you get back so I'd go with whichever would be most useful to you.
    • Akahotpot
    • By Akahotpot 4th Jan 18, 1:09 PM
    • 84 Posts
    • 34 Thanks
    Akahotpot
    Yep I nearly cancelled when it changed to vouchers but I moving house soon so I will cash out and get some household essentials and decide then
    • TrickyDicky101
    • By TrickyDicky101 4th Jan 18, 2:58 PM
    • 2,892 Posts
    • 1,860 Thanks
    TrickyDicky101
    We are fortunate in that we do a major weekly shop in Asda so the £3pm-2%-in-vouchers-back card works really well. The Asda fuel station is the cheapest in the area by far too.

    I was vaguely surprised by the low(ish) credit limit they gave me though (only £4k) but that has now increased to £5.6k. I found Amex to be much, much more generous with the allowance (maybe that was because I stopped spending on Amex and so they kept increasing my limit?!).
    • dj1471
    • By dj1471 4th Jan 18, 8:02 PM
    • 1,033 Posts
    • 710 Thanks
    dj1471
    Am I the only one still getting actual cashback on the Asda card? I've been waiting for the bad news since the change was announced way back in March but still no sign of my cashback changing to vouchers.
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