Asda Money

Asda Money is the financial services division of the major supermarket chain. It is wholly owned by US retail giant Walmart.

Asda offers a range of banking and insurance products through different partners. Its travel insurance offering is underwritten by Spanish insurer MAPFRE and its credit card is provided by Creation Financial Services Limited. This company also issues cards under its own 'Creation' brand.

If you shop at Asda a lot, its cards come with a nice perk. The regular card pays out 1% cashback on all shopping and fuel purchases at the supermarket, and 0.5% elsewhere. The 'Plus' card pays out 2% at Asda, and 1% on all other purchases. There's a £3 monthly fee, which you can avoid by buying Asda Travel Money using the card. But this may not be the most favourable rate of exchange - compare the market first.

Don't expect to make a fortune in cashback, but it adds up over time and is better than getting nothing.

Asda Money
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Credit cards

Ranked 32nd of 34 providers reviewed.

Customer happiness 54%
Customer trust 43%
Complaints performance 58%
Transparency rating 19%
Fairer Finance score
Reviewed Spring 2019
44%

Travel insurance

Ranked 34th of 59 providers reviewed.

Customer happiness 60%
Customer trust 41%
Complaints performance 58%
Transparency rating 39%
Fairer Finance score
Reviewed Spring 2019
50%

Credit cards

0% balance transfers

Asda Money

Cashback

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 12 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.52%

Cashback and rewards

Asda Money

Cashback

4 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £210.31
Estimated amount of money customers get back after the 1st year (minus annual fee) i £210.31
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

Asda Money

Cashback Start

3 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £118.79
Estimated amount of money customers get back after the 1st year (minus annual fee) i £118.79
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

Foreign use credit cards

Asda Money

Cashback

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.52%

Asda Money

Cashback Start

2 stars
Representative APR i 34.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.53%

Home insurance

Asda Money

Standard Home Insurance

3 stars
Escape of water excess i £50
Matching sets i
Theft from outbuildings i £2,000
24hr helpline i
Alternative accommodation i £40,000
Cover for keys/locks if lost i £750
Money in the home i £0
New for old i

Asda Money

Superior Home Insurance

3 stars
Escape of water excess i £50
Matching sets i
Theft from outbuildings i £7,500
24hr helpline i
Alternative accommodation i £75,000
Cover for keys/locks if lost i £1,000
Money in the home i £0
New for old i

Buildings insurance

Asda Money

Standard Home Insurance

4 stars
Trace & access i Sum insured
Matching sets i
Cover for keys/locks if lost i £750
Compulsory excess i £50
Escape of water excess i £50
Alternative accommodation cover limit i £40,000
Cover for keys/locks if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Asda Money

Superior Home Insurance

4 stars
Trace & access i Sum insured
Matching sets i
Cover for keys/locks if lost i £1,000
Compulsory excess i £50
Escape of water excess i £50
Alternative accommodation cover limit i £75,000
Cover for keys/locks if stolen i £1,000
Property owner liability i £5,000,000
24hr helpline i

Contents insurance

Asda Money

Superior Home Insurance

3 stars
Theft from outbuildings i £7,500
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i £0
New for old i
Alternative accomodation i £20,000
Money in the home i £0
Cover for keys/locks if stolen i £1,000
24hr helpline i

Asda Money

Standard Home Insurance

2 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £750
Cycles included whilst in the home i £0
New for old i
Alternative accomodation i £10,000
Money in the home i £0
Cover for keys/locks if stolen i £750
24hr helpline i

Pet insurance

Cat insurance

Asda Money

Lifetime £2,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £200
Euthanasia i £2,000
Cremation i £300
Complementary treatment i £1,000
Age compulsory excess changes i 5 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Asda Money

Lifetime £4,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia i £4,000
Cremation i £300
Complementary treatment i £1,500
Age compulsory excess changes i 5 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Asda Money

Lifetime £10,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £10,000
Dental cover (if due to an accident) i £10,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia i £10,000
Cremation i £300
Complementary treatment i £1,500
Age compulsory excess changes i 5 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Asda Money

Time limited £2,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £2,000
Cremation i £250
Complementary treatment i £500
Age compulsory excess changes i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Asda Money

Time limited £5,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £150
Euthanasia i £5,000
Cremation i £250
Complementary treatment i £750
Age compulsory excess changes i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Asda Money

Accident only

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £2,500
Cruciate ligament damage i £1,250
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £2,500
Cremation i £150
Complementary treatment i £500
Age compulsory excess changes i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Dog insurance

Asda Money

Lifetime £4,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia i £4,000
Cremation i £300
Complementary treatment i £1,500
Age compulsory excess changes i 5 years
Amendment fee i £0

Asda Money

Lifetime £10,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £10,000
Dental cover (if due to an accident) i £10,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia i £10,000
Cremation i £300
Complementary treatment i £1,500
Age compulsory excess changes i 5 years
Amendment fee i £0

Asda Money

Time limited £5,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £150
Euthanasia i £5,000
Cremation i £250
Complementary treatment i £750
Age compulsory excess changes i 5 years
Amendment fee i £0

Asda Money

Lifetime £2,000

4 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £200
Euthanasia i £2,000
Cremation i £300
Complementary treatment i £1,000
Age compulsory excess changes i 5 years
Amendment fee i £0

Asda Money

Time limited £2,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £2,000
Cremation i £250
Complementary treatment i £500
Age compulsory excess changes i Doesn't change
Amendment fee i £0

Asda Money

Accident Only

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £2,500
Cruciate ligament damage i £1,250
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £2,500
Cremation i £150
Complementary treatment i £500
Age compulsory excess changes i Doesn't change
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

Asda Money

Standard (Comparison Site)

4 stars
Medical excess i £99
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 90 days
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Superior (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 90 days
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Superior (Money Supermarket)

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 90 days
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £500
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Premium

4 stars
Medical excess i £70
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,300
Max trip duration i 45 days
Emergency medical cover and repatriation i £25,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £350
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Superior

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 90 days
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Standard (Money Supermarket)

3 stars
Medical excess i £99
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 90 days
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Value

3 stars
Medical excess i £100
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 35 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £300
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Economy Plus (Comparison Site)

1 stars
Medical excess i £195
Cancelling before travel i £850
Personal possessions & baggage - damaged, lost or stolen i £850
Max trip duration i 32 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £850
Abandoning your trip i £850
Lost or stolen cash i £200
Combined passport & travel i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Asda Money

Economy (Money Supermarket)

1 stars
Medical excess i £225
Cancelling before travel i £850
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 32 days
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £850
Abandoning your trip i £0
Lost or stolen cash i £250
Combined passport & travel i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

Asda Money

Value

4 stars
Missed port departure i £500
Re-joining a cruise i £750
Cabin confinement i £500
Missed port departure excess i £100
Timetable/itinerary change i £100 per port
Unused excursions i £300

Asda Money

Premium

4 stars
Missed port departure i £500
Re-joining a cruise i £750
Cabin confinement i £500
Missed port departure excess i £70
Timetable/itinerary change i £100 per port
Unused excursions i £300

Asda Money

Superior

4 stars
Missed port departure i £500
Re-joining a cruise i £750
Cabin confinement i £500
Missed port departure excess i £50
Timetable/itinerary change i £100 per port
Unused excursions i £300

Single trip insurance

Asda Money

Superior (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £500

Asda Money

Superior (Money Supermarket)

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £500
Combined passport & travel i £500

Asda Money

Premium

4 stars
Medical excess i £70
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,300
Emergency medical cover and repatriation i £25,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £1,000
Abandoning your trip i £2,000
Lost or stolen cash i £350
Combined passport & travel i £300

Asda Money

Superior

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £500

Asda Money

Standard (Comparison Site)

3 stars
Medical excess i £99
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £1,000
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £200

Asda Money

Standard (Money Supermarket)

3 stars
Medical excess i £99
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £1,000
Abandoning your trip i £1,500
Lost or stolen cash i £300
Combined passport & travel i £200

Asda Money

Value

3 stars
Medical excess i £100
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £500
Abandoning your trip i £1,000
Lost or stolen cash i £300
Combined passport & travel i £250

Asda Money

Economy Plus (Comparison Site)

1 stars
Medical excess i £195
Cancelling before travel i £850
Personal possessions and baggage - damaged, lost or stolen i £850
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £850
Missed departure i £500
Abandoning your trip i £850
Lost or stolen cash i £200
Combined passport & travel i £100

Asda Money

Economy (Money Supermarket)

1 stars
Medical excess i £225
Cancelling before travel i £850
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £850
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £250
Combined passport & travel i £100

Winter sports add-on

Asda Money

Superior

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £300
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £60
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £450

Asda Money

Value

1 stars
Ski equipment owned i £200
Single item limit for owned equipment i £100
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £60
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure i £150
Piste closure i £100
Unused ski pass due to illness or injury i £200

Asda Money

Premium

1 stars
Ski equipment owned i £300
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £60
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300

Asda Money

Economy Plus (Comparison Site)

1 stars
Ski equipment owned i £200
Single item limit for owned equipment i £100
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £60
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure i £150
Piste closure i £100
Unused ski pass due to illness or injury i £200

Asda Money

Standard (Comparison Site)

1 stars
Ski equipment owned i £200
Single item limit for owned equipment i £100
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £60
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure i £150
Piste closure i £100
Unused ski pass due to illness or injury i £200

Asda Money

Superior (Comparison Site)

1 stars
Ski equipment owned i £300
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £60
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300

Asda Money

Economy (Money Supermarket)

1 stars
Ski equipment owned i £200
Single item limit for owned equipment i £100
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £60
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure i £150
Piste closure i £100
Unused ski pass due to illness or injury i £200

Asda Money

Standard (Money Supermarket)

1 stars
Ski equipment owned i £200
Single item limit for owned equipment i £100
Hiring replacement winter sports equipment i £100
Ski equipment owned excess i £60
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure i £150
Piste closure i £100
Unused ski pass due to illness or injury i £200

Asda Money

Superior (Money Supermarket)

1 stars
Ski equipment owned i £300
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £60
Ski equipment hired i £150
Single item limit for hired equipment i £150
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300