Argos Card is going digital

Argos Card customer? We recently wrote to you to tell you your Argos Card account would update to an Argos Pay account on 12th April 2026, when it moves to NewDay. To make sure everything goes smoothly, we've decided to take a bit more time to complete the update, and your account will now change to Argos Pay on 26th April 2026.

This means you can continue to use your Argos Card as you do today and the Argos Pay Agreement we sent you in March will now come into effect on 26th April 2026. Until then, you can find the available credit plans on the Argos Card here.

Argos Card is changing

Already have an Argos Card?

Your Argos Card is changing - say hello to Argos Pay.

On 26th April, your Argos Card account will update to Argos Pay, a digital credit account provided by NewDay Ltd.

Don't worry, you can keep using your Argos Card as you do today and you'll find everything you need to know in the email/letters we've sent you about updating to Argos Pay.

What's changing and when?

There are no changes right now and, for the time being, you should continue to use your Argos Card as you do today. This includes:

  • shopping with your Argos Card instore at Argos and Sainsbury's and online at Argos and Habitat
  • using the My Argos Card App to manage your account and make payments

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

  • February/March

    You have recently been sent information about the changes that will be made to your Argos Card Terms and Conditions in April; and we have also sent you a summary of what's changing, along with an updated Agreement. Don't worry, there won't be any changes to your credit limit, interest rate or existing payment plans.
  • March

    We have sent 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.

What you need to know now

From 26th April, your account will update to Argos Pay automatically - you don't need to re-apply and there's no credit check. Then, from 27th April you'll be able to register for the new Argos Pay app or Online Account Manager, so you can continue to manage your account and spend with Argos Pay.

You can continue to use your Argos Card to make purchases and manage your account on the My Argos Card App until your account updates to Argos Pay.
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.

What is Argos Pay?

On 26th April, your Argos Card will update to Argos Pay - your digital credit account with more features. There's no need to re-apply - we'll update your account for you.

  • Argos Pay will give you access to a wider range of repayment options by introducing instalment plans of up to 48 months on top of flexible credit and Buy Now Pay Later.
  • You'll get more ways to manage your account and make repayments, with a new Argos Pay app and Online Account Manager.
  • There's also no plastic – you'll no longer need your Argos Card as you'll pay digitally using a username and passcode.

You can also find out more about the features of Argos Pay here.

FAQs

Got a question? We're here to help! We've answered some of the most common questions about what will happen when your Argos Card updates to Argos Pay below.
Still have questions? Browse all FAQs on the upcoming changes below.
Browse all FAQs

Manage your Account

For the time being, you should continue to use the My Argos Card App. It makes it quick and easy to keep on top of your finances.

Don't have the App yet? You can download it here:
Download iOS App
Download Android App

Once your account updates to Argos Pay, expected in April 2026, you'll use the new Argos Pay app or Online Account Manager instead.

The Argos Pay team will be in touch, by email or post, to let you know when its time to register. You'll need to register so that you can continue to spend and manage your account through the Argos Pay app or Online Account Manager.

Remember, from Monday 27th April, you need to register and create a username and passcode so you can manage your Argos Pay account and use it when you shop online at Argos and Habitat. You can't register or use your updated Argos Pay account number before then. Learn how to register at newday.co.uk/argospay-infohub

Direct Debit Guarantee

  • The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
  • If there are any changes to the amount, date or frequency of your Direct Debit, Home Retail Group Card Services Limited will notify you 3 working days in advance of your account being debited or as otherwise agreed. If you request Home Retail Group Card Services Limited to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
  • If an error is made in the payment of your Direct Debit, by Home Retail Group Card Services Limited or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
  • If you receive a refund you are not entitled to, you must pay it back when Home Retail Group Card Services Limited asks you to.
  • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.