Tesco Bank
Tesco Bank Clubcard Credit Card
A Tesco Bank credit card that lets users collect Clubcard points when they spend. It is especially useful for Tesco shopping and Tesco fuel because it gives extra Clubcard points compared with using a normal non-Tesco credit card.
Highlights
Main benefits
- Collect Clubcard points on Tesco spending
- Extra Clubcard points on Tesco Fuel
- Clubcard points on non-Tesco spending
- Useful for Tesco grocery shoppers
- Useful for Tesco petrol users
- Vouchers can be used at Tesco
- Vouchers may be exchanged for higher value with Reward Partners
- Available to UK residents aged 18+ subject to status
Fees
Fees and charges
Joining fee
£0
Renewal fee
Depends on the exact Tesco Bank Clubcard credit card product selected, but Tesco’s main Clubcard credit card rewards page focuses on earning Clubcard points rather than annual fees. Check the chosen product page before publishing.
Annual fee waiver
Not Applicable
Who can apply
Eligibility
Tesco Bank states its credit cards are available to UK residents aged 18 or over, subject to status.
Checklist
Documents required
- Identity details
- UK address details
- Income and employment details
- Financial information
- Bank account details
Process
How to apply
Apply online from Tesco Bank’s official credit cards page. Choose the specific Tesco Bank credit card type, then check eligibility and complete the application.
Value
Reward and cashback structure
Reward rate
Tesco Bank lists these Clubcard point rates:
- 5 points for every £4 spent using a Clubcard Credit Card at Tesco
- 1 point for every £4 spent, plus 1 point for every 1 litre bought, using a Clubcard Credit Card on Tesco Fuel, excluding Esso
- 1 point for every £8 spent using a Clubcard Credit Card anywhere else, including online
Cashback
This is not direct cashback. It earns Tesco Clubcard points, which become Clubcard vouchers. Tesco says Clubcard vouchers can be used for Tesco shopping or exchanged for 2x more value with Reward Partners.
Good fit
Pros
- Strong Tesco-specific rewards
- Good fuel benefit at Tesco petrol stations
- Useful for regular Tesco shoppers
- Points can become Clubcard vouchers
- Wider card acceptance than Amex
- Works for everyday spending outside Tesco too
Watchouts
Cons
- Not direct cashback
- Best value mainly for Tesco users
- Fuel benefit excludes Esso
- Non-Tesco reward rate is low
- No lounge access
- No premium travel benefits
- Not ideal if the user does not shop at Tesco
Related
Related cards
Compare
Compare Cards
| Field | Tesco Bank Clubcard Credit Card | Amex Platinum Cashback Everyday Credit Card |
|---|---|---|
| Bank/provider | Tesco Bank | American Express |
| Joining fee | £0 | £0 |
| Renewal fee |
| £0 |
| Best for | Tesco shoppers and users who buy fuel at Tesco petrol stations | Everyday cashback, No annual fee users, UK users who can spend £3,000+ per year, People who prefer simple cashback instead of points |
| Reward rate |
|
|
| Cashback |
|
|
| Lounge access | No | No |
| Fuel surcharge waiver |
| No |
| Welcome benefit |
|
|
| Annual fee waiver condition | Not Applicable | Not applicable because the card has no annual fee |
| Eligibility | Tesco Bank states its credit cards are available to UK residents aged 18 or over, subject to status |
|
| Apply link | Apply | Apply |