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Purchases Credit Card

We’re now offering our longest ever 0% interest period on purchases for up to 28 months.

Purchases Credit Card
Purchases Credit Card

Some things can’t wait, but the cost of them can. Why not help spread the cost of your spending with our longest ever 0% interest period on purchases

  • 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 Clubcard points wherever you use your card, plus your usual points in Tesco Terms apply
  • 0% interest on balance transfers for the first 3 months, with a 2.9% balance transfer fee. 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

What is APR?

Why choose a Tesco Bank Credit Card

  • Apply online in just 10 minutes and get a decision in 60 seconds
  • Our new mobile app helps you keep on top of your spending, on the move
  • Pay with contactless - make spending even simpler for purchases up to £30How to use contactless
  • Collect Clubcard points wherever you use your cardTerms apply
  • Quick and easy payments with Apple PayFind out more

Our longest ever 0% interest period on purchases

If you’re thinking about making much-needed home improvements or taking the trip of a lifetime, the Purchases Credit Card could help. With no interest to pay on purchases for up to 28 months from account opening, this card could help you spread the cost of those bigger purchases.

You'll collect Clubcard points when you shop with your credit card, plus your usual points in Tesco. Boost your vouchers with one of the Boost partners for fun-filled days out, or a meal with the family. Or turn them into Avios points and get away from it all.

Contact us

Our UK teams are here for you 24 hours a day, seven days a week. Yes, even Christmas day.

Important information

Key product information

Some things to remember

  • For our Purchase Card, your credit limit, APR and introductory offer period may vary subject to your individual circumstances
  • 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
  • You can transfer up to 95% of your credit limit. You won’t be able to transfer a balance between Tesco Bank credit cards
  • Available to over 18s and UK residents only, subject to status

Before applying, you should review the Summary Box for this product:

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

What is APR?

APR stands for Annual Percentage Rate. It shows you how much your borrowing will cost over the period of an average year, over the term of your debt. It also helps you compare different cards on the market.

After a 0% period, the amount of interest you'll need to pay on any outstanding balances will be determined by the APR. Don't forget that the length of 0% period on your purchases and balance transfers might be different.

Collecting Clubcard points

How to collect Clubcard points with your Tesco Bank Clubcard Credit Card

It's simple: use your Clubcard 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