TABLE OF CONTENTS

• Why are they different?
  • Food Club Card
  • Shopping Card
• Before You Apply
• How to Upgrade
• What Happens After I Apply?
• Which Option Is Right for Me?

Why are they different?

If you're considering switching from a Food Club Card to a Shopping Card, it's important to understand the differences between the two products so you can decide which option best suits your needs.

Food Club Card

The Food Club Card is designed specifically to help with food shopping.

Key Features

• Credit limit of up to £100

• Interest-free – you'll never repay more than you borrow

• Can be used at Iceland and The Food Warehouse

• Top-ups are available during designated Top-Up Windows, typically around six times a year and often aligned with school holidays

Top-Up Eligibility

To apply for a top-up:

• Your balance must be below £75

• Your account must not be in arrears 

Shopping Card

The Shopping Card offers greater flexibility and a higher credit limit.

Key Features

• Credit limit of up to £350

• Can be used at a range of approved retailers

• Top-ups can be requested throughout the year

• Interest applies, which means you'll repay more than the amount borrowed if interest is charged over the life of the loan

You can view the full list of approved retailers here

Top-Up Eligibility

To apply for a top-up:

• Your balance must be below £262.50

• Your account must not be in arrears 

Before You Apply

You cannot have both a Food Club Card and a Shopping Card at the same time.

If you'd like to apply for a Shopping Card, your Food Club Card will need to be closed first.

Before this can happen:

• Your Food Club Card balance must be fully repaid

• There must be no outstanding amount remaining on the loan

How to Upgrade

If your Food Club Card balance has been repaid in full and you'd like to proceed:

1. Contact us to let us know you'd like to upgrade.

2. We'll remove your Food Club Card from your account.

3. Once this has been completed, you'll be able to apply for a Shopping Card straight away.

4. We'll confirm when the Food Club Card has been removed and you're ready to apply.

What Happens After I Apply?

If Your Application Is Successful

The approved Shopping Card balance will be added to your existing prepaid card.

If Your Application Is Unsuccessful

If your Shopping Card application is not approved and you'd like to use a Food Club Card again, you'll need to submit a new application.

Any new Food Club Card application will be assessed in line with our normal eligibility criteria at the time of application.

Which Option Is Right for Me?

A Food Club Card may be suitable if:

• You only need help with food shopping

• You want an interest-free borrowing option

• A lower credit limit meets your needs

A Shopping Card may be suitable if:

• You want access to a wider range of retailers

• You need a higher credit limit

• You would like more flexibility to request top-ups throughout the year

Take some time to consider which option best fits your circumstances before making your decision. There is more information on our products here.