Argos Card is going digital

If you are an existing Argos Card holder you can find the available credit plans on the Argos Card here.

We are no longer accepting new Argos Card applications. If you would like to see the credit options that are available, please click here.

Argos Card is changing

Already have an Argos Card?

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

Later this year, 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 we'll be in touch to let you know when your account is updating to Argos Pay.

What's changing and when?

There are no changes right now and you can 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

    We'll tell you about the changes to be made to your Argos Card Terms and Conditions; and send you a summary of what's changing and an updated Agreement including these changes. Don't worry, there won't be any changes to your credit limit, interest rate or existing payment plans.
  • March

    We'll send 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

When the time comes, your account will update to Argos Pay automatically - you don't need to re-apply and there's no credit check. Then 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'll see Argos Pay mentioned more often – don't worry, it's all part of the change. You should 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.

If you've told us you'd like to receive statements and other communications digitally, you'll be sent details of the update to Argos Pay by email. If not, we'll send these details by post.

Your journey so far

What is Argos Pay?

Soon 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 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.

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.

Need help managing your Argos Card account? Click here for more information.

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.