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You can now spend £500 of Nectar points (62,500 Avios) at Argos and Habitat

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Argos and Habitat appear to have raised the number of Nectar points you can spend in one transaction. The limit has shot up from 40,000 Nectar points (£200 of value) to 100,000 Nectar points (£500 of value).

For HfP readers with large Avios balances, this is very attractive.

You can now convert 62,500 Avios into 100,000 Nectar points and spend them on a £500+ item at Argos or Habitat.

EDIT: this change now appears to have been reversed. The Nectar website is showing a maximum conversion of 40,000 points, worth £200.

Nectar Avios light

This is potentially a good way to, for example, pick up a new iPhone 12 minisee here at for £699.

Remember that the maximum monthly transfer of Avios to Nectar points is 50,000 Avios. If you do want to make a major purchase at Argos you will need to move 50,000 Avios now and the rest on 1st April.

Avios to Nectar transfers are currently only possible by telephone whilst ‘two factor authentication’ is added to the website.

Argos will be better value for some people than Sainsbury’s

Whilst a Nectar point is worth the same 0.5p at Sainsbury’s, Argos or Habitat – or indeed eBay, Eurostar or various other partners – some readers felt that you weren’t getting ‘true’ value at Sainsbury’s.

True or false, some people see Sainsbury’s as overpriced or poor value for money compared to Waitrose at the higher end or Aldi / Lidl at the lower end.

You can’t say that about Argos. On products like iPhones, you will pay the same as you will anywhere else – although some American Express cards currently have a £50 cashback deal on a £500 Apple Store spend.

Can I use Nectar points for online shopping at Argos?


You need to go to this page of the Argos website and link your Nectar card to your Argos account.

You will then be offered the opportunity to pay with Nectar points during checkout. You can top up your purchase with a credit card as usual, although you cannot pay the balance with an Argos gift card.

As we found out recently when buying a new monitor for my wife’s home office, Argos has a very efficient ‘click and collect’ service. Most items are available for next day collection from your local Sainsbury’s store, including Sainsbury’s Local.

Can I use Nectar points for in-store shopping at Argos?

Yes. I believe that Argos counters inside Sainsbury’s supermarkets are still open, although stand-alone shops are closed.

You can swipe your Nectar card, or scan your Nectar app, at the till and pay any remaining balance separately.

The Argos website has not yet been updated

This page of the Argos website explains how the Nectar deal works. It is also where you need to go to link your accounts.

It still says that the maximum Nectar spend is 40,000 points (£200) per transaction. However, if you look on the Nectar website here it says, in multiple places, that the cap is now 100,000 points (£500) per transaction.

I wonder if this change was deliberately made by Sainsbury’s, which owns Argos and Habitat, to extract more money from Avios …..?

The Argos home page is here if you want to have a look around.

how to earn avios from credit cards

How to earn Avios from UK credit cards (April 2021)

As a reminder, there are various ways of earning Avios from UK credit cards.  Many cards also have generous sign-up bonuses.

There are two official British Airways American Express cards:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points, such as:

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

If you have a small business, we especially recommend Capital On Cap’s Visa card which comes with a generous bonus worth 10,500 Avios:

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

Comments (48)

  • Ray says:

    Someone forgot to tell Argos. Tried to use £400 worth of nectar today to buy a sofa online. Transaction would only go through when I used £200 worth or less. Called customer service, said she could the nectar £500 limit but there system still said £200. Fail

    • The Urbanite says:

      Agreed. Although you can select up to £500 in Nectar points, the page will not bring up the Nectar verification if you select over £200 and so it will not let you continue with the transaction. Not that any error messages are displayed to explain why you can’t progress to final payment, it just refreshes the page.

  • Lady London says:

    Sainsbury’s vary across branches though even in the same city. For instance I really like the one at the old West London Air Terminal (almost opposite Waitrose Gloucs. Road branch on the A4) and don’t mind the one in Finchley Road.

  • John says:

    Checked this today and the cap seems to have gone back down to £200 worth of Nectar points at any time – this was very short lived!

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