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See how our credit cards could reward you

Purchases card

0% interest on purchases for up to 28 months

  • No interest to pay on purchases for up to 28 months from account opening. We may offer you a 0% interest period of 25 or 22 months depending on your individual circumstances
  • Earn even more Clubcard points when you spend Terms apply
  • 0% interest on balance transfers for the first 3 months with a balance transfer fee of 2.9%. You can transfer up to 95% of your credit limit.
  • To benefit from these 0% interest periods it’s important that you make your minimum repayments on time and in full.

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

0% Balance Transfer Fee Card

0% balance transfer fee

No fee to transfer your balance and no interest to pay on the amount you transfer for the first 24 months.

  • 0% interest on balance transfers for the first 24 months. 0% balance transfer fee.
  • 0% interest on money transfers for the first 24 months. 3.94% money transfer fee.
  • This offer is applied to any balance or money transfers made within the first 90 days of opening your account, if you make your minimum repayments on time and in full each month. You can transfer up to 95% of your credit limit.

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

Balance Transfer Card

0% interest on balance transfers for the first 40 months

If you’re thinking about transferring balances from other credit cards or store cards. Or if you want to transfer money directly into your bank account, you’ll have no interest to pay on your balance and money transfer amounts for the first 40 months. You can transfer up to 95% of your credit limit.

  • 0% interest on balance transfers for the first 40 months with 2.69% balance transfer fee
  • 0% interest on money transfers for the first 40 months with 3.94% fee
  • 0% interest on balance and money transfers is applied to transfers made within the first 90 days of account opening, if you make your minimum repayments on time and in full each month

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

Premium Card

New time limited offer of 2500 bonus Clubcard points

Our new Premium Credit Card is the fastest way to earn Tesco Clubcard points when you shop. You’ll also benefit from some handy travel related benefits to help make your holiday planning hassle-free.

  • Receive an extra 2500 Clubcard points when you apply by 5th January 2017 and are accepted. You must make a purchase or balance transfer on your Premium Credit Card within the first 2 months of account opening. Terms apply
  • 0% interest on purchases for 6 months from account opening
  • You will also get 0% interest for the first 6 months on Balance Transfers and Money Transfers. A fee of 0.99% will be applied on any Balance Transfers and 1.99% on any Money Transfers.
  • These 0% offers are applied to any transfers made within the first 90 days of account opening
  • Enjoy our best credit card Clubcard points earn rate Terms apply
  • Collect 5,000 bonus Clubcard points when you spend £5,000 on your Premium Credit Card at Tesco in any year. This includes in store, online and Tesco Fuel Terms apply
  • Includes annual worldwide family Tesco Bank Premium Credit Card Travel Insurance if you’re aged under 70. Also covers immediate family members under 70 years old. Provided by Ageas Insurance Limited Terms apply
  • Annual fee of £150

Representative example

  • Representative rate 56.5%APR(variable)
  • Based on 19.9% p.a.(purchase rate variable)
  • and
  • Annual fee £150
  • Assumed credit limit£1,200

Money Transfer Card

0% interest on money transfers for the first 40 months.

With our money transfer credit card, you can transfer money directly into your bank account. Transfer up to 95% of your available credit limit, with 40 months to pay the money back without interest on that amount.

  • 3.94% money transfer fee for the first 40 months
  • 0% interest on balance transfers from another card for the first 40 months, with a 2.69% fee
  • 0% interest on balance transfers and money transfers for the first 40 months. This offer is applied to any balance or money transfers made within the first 90 days of account opening, if you make your minimum repayments on time and in full

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

Low APR Card

Low APR on purchases

No interest to pay on purchases in the first month, followed by a low APR on purchases to help you keep your repayment costs down.

  • Low 5.9%APR representative (variable) on purchases
  • Plus 0% interest on purchases for the first month
  • Earn even more Clubcard points as you spend Terms apply

Representative example

  • Representative rate5.9%APR (variable)
  • Interest rate on purchases5.9% p.a. (variable)
  • Assumed credit limit£1,200

Foundation Card

Foundation Card

If you are looking to re-build or improve your credit rating due to a bad or impaired credit score, then this card could be for you.

  • Gives you a little breathing space with 0% interest on purchases for 6 months from account opening.
  • Set up email and text alerts to help you avoid missing repayments and stay in control.
  • Manageable monthly repayments from £25 and credit limits between £250 and £1,500.
  • Stay in control of your credit score through our partnership with Noddle, part of the Call Credit Information Group.
  • Use our Mobile App to keep track of your balance.

Representative example

  • Representative rate27.5%APR (variable)
  • Interest rate on purchases27.5% p.a. (variable)
  • Assumed credit limit£1,200

Find out which option's right for you

How we like to say thank you

  • Collect points as you spend

    Collect Clubcard points when you use your card - online, in stores, or when you fill up at the pump. And not just at Tesco.

  • Get your vouchers

    Every three months, your Clubcard points get turned into vouchers.

  • Spend or boost your vouchers

    You can spend your vouchers at tesco.com, in store or on Tesco fuel. Or get up to four times the value by boosting them with one of the Tesco Clubcard Partners.

Apple Pay

Use your Tesco Bank credit card for fast and secure payments.

Available to Tesco Bank credit card holders featuring the MasterCard logo, on a compatible iPhone, iPad or Apple Watch.

Apple, the Apple logo, iPhone, iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Apple Watch and Touch ID are trademarks of Apple Inc.

Do you need a different borrowing option?

Important information

Key product information

Some things to remember

  • 0% interest rates apply from the day you opened your account
  • To benefit from these 0% periods you must make your minimum payments in full, on time each month, with the exception of the Foundation Card
  • For our Purchase Card, your credit limit, APR and introductory offer period may vary subject to your individual circumstances
  • You can transfer up to 95% of your credit limit
  • Our credit facilities are available to over 18s and UK residents only, subject to status

Tesco Bank Credit Cards are provided by: Tesco Bank, PO Box 27028, Glasgow, G2 9FT

Collecting Clubcard points

How to collect Clubcard points with your Tesco Bank Credit Card

It’s simple: use your credit card wherever you see the Mastercard logo. You’ll collect points on almost everything you buy.

For the Premium Credit Card you collect 1 Clubcard point for every £1 spent (£1 minimum) in Tesco and 1 point for every £4 spent (£4 minimum) outside Tesco in each purchase transaction.

For all our other credit cards you earn 1 Clubcard point for every £4 spent (£4 minimum) in Tesco and 1 point for every £8 spent (£8 minimum) outside Tesco in each purchase transaction.

There are some products at Tesco you can't collect points on. Find out more about collecting points at the Tesco Clubcard website. Clubcard points also can’t be collected on Tesco Travel Money purchases.

Earn rates are subject to change.

You must have available credit.

The Clubcard scheme is administered by Tesco stores, who are responsible for fulfilling points.

Premium Credit Card benefits

Travel Insurance

Tesco Bank Premium Credit Card Travel Insurance is included if you (the primary cardholder) are aged under 70. It also covers your immediate family members under the age of 70. You’ll be insured for as many trips of up to 31 days as you like and the policy also includes 17 days winter sports cover each year as standard. Immediate family means the primary cardholder’s spouse, co-habiting partner or civil partner and their dependent children, including grandchildren, step-children and foster children under the age of 18. No add-ons are available and the policy does not cover pre-existing medical conditions. Tesco Bank Premium Credit Card Travel Insurance is provided by Ageas Insurance Limited.

2,500 Clubcard points bonus

Additional Terms and Conditions

Only one points offer is available per customer. Not to be used in conjunction with any other offer.

Your Clubcard points will be allocated to the Clubcard account linked to your Premium Credit Card within 12 weeks of your first transaction. The promoter of Tesco Clubcard is Tesco House, Shire Park, Kestrel Way, Welwyn Garden City AL7 1GA, who are responsible for fulfilling points.

5,000 Clubcard points bonus

If you spend £5,000 on your Premium Credit Card in Tesco in any year you will receive 5,000 bonus Clubcard points.

Qualifying spend includes any purchase transactions in Tesco Stores UK (excluding Tesco Opticians, Tesco Mobile and Tesco Travel Money), Tesco.com (UK only), Tesco Direct, F&F Clothing, Tesco Wine by the Case and Tesco Petrol Filling Stations (UK only, excludes Esso).

A year begins on the date the account was opened and each anniversary of that date, and ends 12 months later. Any refunds that you receive for returned items will be deducted from your total spend in that year. These points will be credited to your Tesco Clubcard account within 45 days of the end of the relevant year and will be included in your next Tesco Clubcard statement after that. The Clubcard scheme is administered by Tesco Stores, who are responsible for fulfilling points.