Tesco Bank Clubcard Plus: Top Credit Card For Savvy UK Shoppers

Discover how Tesco Bank Clubcard Plus can supercharge your grocery savings and travel perks effortlessly.

Looking for a credit card that rewards your everyday spending and helps cut costs on your weekly grocery run? Let’s talk about the Tesco Bank Clubcard Plus – a card designed with smart UK consumers in mind. Whether you’re filling your cart at Tesco or planning a trip abroad, this card blends loyalty perks, zero foreign fees, and bonus points like few others.

Have you ever thought how much more rewarding your weekly shop could be? Imagine buying your usual groceries and still scoring vouchers, travel discounts, and Clubcard points on top. That’s exactly what Tesco’s Clubcard Plus makes possible, and here’s how it works in real life.

CREDIT CARD

Tesco Bank Clubcard Plus

Earn Clubcard points No foreign transaction fees

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Guide to Using Tesco Clubcard Plus Like a Pro

First things first: the Tesco Bank Clubcard Plus isn’t just about credit — it’s a smart lifestyle companion for anyone loyal to Tesco stores.

• Earn Clubcard points with every purchase, especially supercharged in-store at Tesco: 1 Clubcard point per £4 spent at Tesco and 1 point per £8 elsewhere, per transaction.
• Get 10% off two big shops every month — ideal for your primary grocery hauls.
• Enjoy 0% foreign transaction fees, making it handy for travel.
• Access exclusive Clubcard Plus benefits, including on Tesco Mobile and F&F clothing.
• Manage everything easily via the Tesco Bank mobile app, with real-time notifications.

Using it smartly means planning your big grocery hauls for those 10% discount moments and pairing your Clubcard points with deals from Tesco’s partner retailers.

Hacks to Maximize Tesco Clubcard Plus Benefits

There are a few lesser-known tricks to really stretch the value of this card:

1. Stack discounts – Use the 10% grocery discount on top of in-store promotions.
2. Double up your points during Tesco Clubcard Boost events.
3. Sync with Tesco Mobile – Clubcard Plus users get benefits on monthly plans.
4. Family strategy – Add an additional cardholder and split benefits smartly.
5. Track your reward cycle – Plan large purchases near your monthly shop discounts.

Many users forget that these perks compound. Saving 10% on two monthly shops adds up to over £200 annually for families.

How to Get the Most Value From Clubcard Plus

The Tesco Clubcard Plus shines when used strategically. Here’s how to squeeze every drop of value:

• Focus your monthly spending around the 10% shop discount dates.
• Convert Clubcard points into Partner Rewards like Eurotunnel or Cineworld for more value.
• If you’re already a Tesco Mobile user, consider switching to a Clubcard Plus plan.
• Use abroad thanks to no foreign exchange fees — ideal for online and holiday shopping.
• Keep an eye on limited-time Tesco offers exclusive to Clubcard Plus holders.

Think of it less as a credit card and more as a monthly Tesco reward plan — just with added travel benefits and flexibility.

Alternatives & Complementary Options in the UK Market

If Tesco isn’t your main store, consider these alternatives:

Pairing suggestion: Some users combine Clubcard Plus with Barclaycard Rewards for optimal UK + international benefits.

Who’s Eligible – Requirements to Qualify

To apply for Tesco Bank Clubcard Plus, you need to meet these criteria:

• Be 18 or older and a UK resident.
• Have a regular income and clean credit history.
• Possess a Tesco Clubcard (free to sign up).
• Not currently in financial hardship or bankruptcy.

Most approvals favour applicants with good to excellent credit scores (650+), though Tesco Bank offers a soft eligibility checker online.

How to Apply – Step-by-Step Application Process

1. Visit the Tesco Bank website.
2. Click on Credit Cards, then choose Clubcard Plus.
3. Use the eligibility checker to see if you pre-qualify.
4. Fill in your personal and financial details.
5. Review and accept the terms & APR (currently ~19.9% variable).
6. Submit the application and wait for email confirmation.

Approval typically takes 2–5 working days, with cards mailed shortly after.

FAQ – Less Obvious Questions About Tesco Clubcard Plus

1. Can I get the 10% discount on any purchase?

No. The 10% applies to two grocery shops per month, capped at £200 each.

2. What happens if I don’t use my two discounts in a month?

They expire — no rollover. Use them or lose them.

3. Does the card work internationally?

Yes. It’s a Mastercard, accepted globally and charges no foreign transaction fees.

4. Can I upgrade from a standard Tesco Clubcard?

Yes. Simply apply online and, if approved, the Clubcard Plus will replace your existing Clubcard on the app.

5. Is the monthly fee worth it?

If you shop regularly at Tesco, the £7.99 monthly fee pays for itself with the discounts and travel perks.

6. Can students apply?

Yes, but only with a steady income or part-time job. Parental or co-signed credit isn’t currently supported.

Final Thoughts: Is Tesco Clubcard Plus Right for You?

Tesco Bank Clubcard Plus is a solid option for those who shop consistently at Tesco and want more from their everyday spending. It turns your regular expenses into savings opportunities — not only with direct discounts but through Clubcard points, mobile savings, and travel perks.

It’s best suited for families, frequent Tesco shoppers, and travelers who want a no-foreign-fee credit card with loyalty benefits. While the £7.99 monthly fee might seem steep at first glance, the perks quickly offset the cost — especially when used with intention.

🔔 Want to compare it with the top 3 UK cashback cards? Check our full breakdown now

CREDIT CARD

Tesco Bank Clubcard Plus

Earn Clubcard points No foreign transaction fees

APPLY NOW You will be redirected