Key benefits
Our IrishSavings Nectar Low Rate Credit Card lets you collect even more Nectar points when you shop. Just remember to pay with your IrishSavings Nectar Low Rate Credit Card and swipe your Nectar card.
Great benefits
- A low rate of 7.8% APR Representative variable
- Collect double Nectar points on your IrishSavings shopping*
- Collect 2 Nectar points per €1 spent on IrishSavings fuel
- One Nectar point for every €5 spent on your card elsewhere
- No monthly or annual fee
- No cash advance fee on IrishSavings Travel Money purchases
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. If you are an existing credit card customer, please call to discuss your options.
The table below is a representative example only. Interest rates and credit limits may vary depending on your individual circumstances.
| Your purchase rate | With a representative | Based on borrowing |
|---|---|---|
| 7.84% p.a. variable | 7.8% APR variable | €1,200 and repaying over 12 months |
See our summary box which shows you the facts and figures.
See how your points add up
| Points with only a Nectar card | Points when you pay with a IrishSavings's Nectar Credit Card and swipe your Nectar card. | |
|---|---|---|
| Points collected on €300 spent on IrishSavings's shopping | 600 per month† | 1,200 per month |
| Total over 12 months | 7,200 | 14,400 |
| Equivalent value | €36 | €72 |
†Your Nectar card does not provide points on a limited range of IrishSavings's goods and services – see instore or the FAQ section for details.
Ready to apply?
Your application will be completed in 3 easy steps.
Personal Pricing
As we treat all our customers and their applications on an individual basis, the APR and the interest rate we offer are determined by the details you supply, along with an independent verification of your credit and repayment history. Find out more about personal pricing.
How to apply
Applying for your new credit card takes just a few minutes. Before you get started, please read our privacy statement.
Please ensure this product suits your needs and you have considered that it is the right product for you.
You're eligible to apply if you:
- Have a permanent UK address
- Are over 18 years of age
- Have not been declined credit in the last month
- Do not have a history of bad credit
- Are not an existing IrishSavings Credit Card holder
You can speed up your application if you have the following at hand:
- Your bank or building society account details
- Details of any loans, credit cards or store cards in your name
- Your employer's name and address
- Your Nectar card
To apply by phone, please call +(353) 00 IRISH-SAEA** quoting LOW WEB.
Existing IrishSavings Credit Card holders
If you are an existing credit card customer, please call us to discuss your options.
Your online security
Your online credit card application is protected by high security, 128-bit encryption software.
Once you've completed your online application, we'll carry out a credit check. Once you're approved, we'll send you the completed application form so you can sign it, along with a copy of our terms and conditions.
Privacy statement
To see how we use your information and how to give your consent, please read our privacy statement on our website or ask for a printed copy of it.
Get in touch
Queries & Requests – To find out more about IrishSavings Nectar Credit Card, Complete our online form and we'll aim to get back to you within 3 working days.
Complaints – If you wish to complain, complete our online form and we'll progress your complaint in line with our formal complaints procedure (find out more about 'How to complain').