Tesco Clubcard Plus Credit Card: Earn Points and Enjoy 0% Interest

Shop, Earn, and Save: Discover the Tesco Clubcard Plus Credit Card

Looking for a credit card that actually rewards your day-to-day lifestyle? The Tesco Clubcard Plus isn’t just another points card—it’s designed for people who shop at Tesco regularly and want practical benefits like 0% interest for purchases and no extra costs abroad. But before you hit “apply,” you’ll want to know how it works, who qualifies, and whether it really delivers value.

In this full guide, we’ll cover exactly how to use the card, smart ways to maximise its benefits, what the small print means for you, and why it could be a strong contender for your wallet—especially if you’re already paying for the Clubcard Plus subscription.

CREDIT CARD

Tesco Clubcard Plus

Earn Clubcard points No foreign transaction fees

APPLY NOW You will be redirected

📘 How to Use the Tesco Clubcard Plus Credit Card Effectively

1. Activate the card and link it to your Clubcard Plus account.
   The credit card is only available for Clubcard Plus members, so make sure your subscription is active. Once linked, the card will also work as your Clubcard.
2. Use it in Tesco to earn Clubcard points.
   You’ll collect 1 point for every £4 spent at Tesco. While that might seem modest, it adds up quickly—especially if you do your weekly shop there.
3. Use it outside Tesco too.
   Every £8 you spend elsewhere earns you 1 point, so whether it’s at the cinema, restaurants or online stores, you’re always building rewards.
4. Use the card when you travel.
   If your Clubcard Plus subscription is active, you won’t pay foreign exchange fees. That means you can pay in local currency abroad without the usual 2.75% surcharge most UK cards apply.
5. Make large purchases during the 0% period.
   You’ll get up to 24 months of interest-free purchases (subject to status), which is perfect for spreading out big costs like home improvements or holidays.
6. Manage your account through the Tesco Bank app.
   It’s easy to check your balance, view transactions, and set up alerts so you never miss a payment.

💡 Little-Known Tips to Maximise the Card’s Benefits

• Use it during Tesco promotions: Some events offer bonus Clubcard points—plan your spending around them.
• Pay for other Tesco services: Whether it’s Tesco Mobile or petrol, using this card increases your total points.
• Balance transfer option available: You can request to move balances from other credit cards, up to 95% of your credit limit, once your account is active.
• No FX fees saves more than you think: On a £500 holiday spend, you could save nearly £14 just by avoiding the 2.75% charge.
• Avoid cash withdrawals: Like most credit cards, using it at ATMs comes with extra fees and interest from day one.

💰 How Much Value Can You Get From This Card?

• Points earning potential:
  Spend £300/month at Tesco = ~900 Clubcard points/year
  Spend £200/month elsewhere = ~300 points/year
  That’s 1,200 points, worth £12 or more with partners.
• FX fee savings on travel:
  A £1,000 trip abroad = £27.50 saved compared to most UK credit cards with foreign transaction fees.
• 0% interest period:
  Spread the cost of larger purchases with no added interest over up to 24 months (terms apply).

🔁 Similar Cards Worth Comparing

✅ Who Can Apply? Eligibility Checklist

• You’re 18 or older
• Your income is at least £5,000 annually
• You live in the UK or have a BFPO address
• You have a good credit history
• You’re already a Clubcard Plus subscriber
• You don’t already hold more than one Tesco credit card
• You haven’t applied for a Tesco credit card in the last 30 days

📝 Step-by-Step Application Process

1. Check your eligibility based on the list above.
2. Visit the Tesco Bank website and go to the Clubcard Plus Credit Card section.
3. Log in using your Clubcard Plus account.
4. Fill out the application with your personal, employment, and financial details.
5. Submit securely and get a quick decision—some applicants are approved instantly.

❓ FAQs

What happens if I cancel my Clubcard Plus subscription?

You can keep the credit card, but foreign transaction fees will apply from that point on.

Can I have this card and another Tesco Bank credit card?

Only if you have just one other Tesco Clubcard Plus. If you already have two, you’re not eligible.

Can I transfer balances from other credit cards?

Yes—after account setup, you can transfer balances up to 95% of your credit limit.

How long is the 0% purchase window valid?

You’ll receive up to 24 months interest-free from the date you open your account, depending on your individual offer.

Is this a good card for non-Tesco shoppers?

You’ll still earn points on non-Tesco purchases, but the biggest perks—like Clubcard integration and Tesco offers—are better suited to loyal Tesco customers.

🧾 Final Thoughts – Is It Worth It?

If Tesco is your go-to for groceries and you’re already a Clubcard Plus subscriber, this credit card makes perfect sense. The combination of interest-free spending, no foreign transaction fees, and a simple reward structure gives you more value for doing what you already do.

But it’s not just for Tesco loyalists. If you travel occasionally and like the idea of avoiding surprise fees while earning points, this card delivers consistent perks without complicated terms. Just remember to stay on top of your subscription—it’s the key to unlocking those benefits.

CREDIT CARD

Tesco Clubcard Plus

Earn Clubcard points No foreign transaction fees

APPLY NOW You will be redirected