£12.7 Billion To Be Spent During The Last Week Before Christmas

19 December 2013

According to Sainsbury’s Bank people on average intend to spend £268.70 each during the last week before Christmas Day, or in total £12.7 billion. However, 5.15 million people are planning to spend over £500. The findings(1), from Sainsbury’s Bank Credit Cards, reveals 34.74% of this total expenditure will be placed on credit cards.


Percentage of spend during the last week before Christmas Day that will be placed on credit cards Percentage of people
Nothing 25%
Up to 10% 9%
11% – 20% 5%
21% – 30% 5%
31% – 40% 3%
41% – 50% 5%
Over 50% 26%
Don’t have a credit card/don’t know 22%


Simon Ranson, Head of Banking, Sainsbury’s Bank said: “December is the busiest time of year for credit cards. If you plan to use them, make sure you’ve considered how long it will take you to pay off the balance. Also, make sure you’re taking advantage of a card that gives you a reward on your spending, there are several available just now, including our own Nectar credit cards.”

Sainsbury’s Bank offers two credit cards, both of which provide some of the most attractive features in the marketplace. For example, the Sainsbury’s Nectar Credit Card and Sainsbury’s Nectar Low Rate Credit Card provide double Nectar points on Sainsbury’s shopping – both in-store and online (when used in conjunction with their Nectar Card).(2). Spending £49 a week in-store at Sainsbury’s over a year would earn Nectar points equivalent to the value of a week’s free shopping(4). Customers are also rewarded every time they use the card elsewhere – at home or abroad – as for every £5 spent, one Nectar point is received(5).

For information on Sainsbury’s Bank credit cards call 0800 030 4429 or log onto or pick up a leaflet in-store at Sainsbury’s. Customers applying for a Sainsbury’s card should have their Nectar card ready when they apply.


For further information, please contact:

Ian Morris / Tom Wilson

Citigate Dewe Rogerson

020 7282 1037 / 2842


Notes to editors:

(1) Sainsbury’s Bank commissioned ICM on behalf of its credit cards division. ICM interviewed a random sample of 2,035 adults aged 18+. The interviews were conducted via an online omnibus survey between15th and 17th November 2013. Surveys were conducted across Great Britain and the results have been weighted to the profile of all adults 18+. ICM is a member of the British Polling Council and abides by its rules.

(2) Customers using their Sainsbury’s Nectar Credit Card or Sainsbury’s Low Rate Credit Card in-store or online at Sainsbury’s earn 2 points per £1 spent and 2 Nectar points per £1 spent when using their Nectar card. Therefore, the combined post-introductory reward is 4 points earned per £1 spent; this is equivalent to 2% back on Sainsbury’s shopping. Points are not available on a limited range of Sainsbury’s goods and services. Travel Money purchases are not eligible for points. Nectar points are awarded to customers by Sainsbury’s Supermarkets Limited and Sainsbury’s Bank plc. Nectar points may take up to six weeks to appear on customers’ accounts. More information is available at

(3) Customers must pay at least the minimum payment by the due date and stay within their credit limit to keep their promotional rate

(4) Week’s free shopping earned by combining base points earned in-store/online at Sainsbury’s when swiping Nectar card at the till and earning bonus points when purchasing with the Sainsbury’s Nectar Credit Card. For example, £49 per weekly spend over a year earned 10,912 Nectar points = £50 approx to redeem in-store.

(5) Points can be collected wherever Mastercard is accepted.

(6) Sainsbury’s Bank analysis of UK Cards Association Data.

Sainsbury’s Bank:

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