Online banking

Current account rewards calculator

Your Tesco debit card is your Clubcard too, so when you use it you can collect your regular Clubcard points at Tesco, plus a little extra

Monthly spend

How much do you spend a month?

How do we calculate Clubcard vouchers?

How Tesco Clubcard works

  • Collect points as you spend

    Collect Clubcard points when you use your debit card - online, in stores, or when you fill up at the pump.

  • 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 Boost partners.

How your points are calculated

How do we calculate Clubcard vouchers?

The calculator uses how many Clubcard points you could earn if you had a Tesco debit card and used it to pay for items in and out of Tesco (1 point = approximately £0.01 reward).

Based on the Clubcard points you typically collect in each quarter, we can then give you an idea of the vouchers you might earn. The actual number will depend on how you use your debit card.

Don't forget that you’ll need to spend a minimum amount to begin collecting Clubcard points. And please also bear in mind that this is just an indication.

Tesco Fuel

Collect one point for every £4 you spend at Tesco Petrol Filling Stations (excluding Esso fuel) in each card transaction, and you’ll also collect normal Clubcard points on top at an enhanced rate of 1 point per £1 spent (usually 1 point per £2 spent with a Clubcard). The minimum qualifying spend is £4.

In Tesco

Collect one point for every £4 you spend in each card transaction, and you'll also collect your normal Clubcard points on top. This includes your spend at all Tesco grocery and Tesco Direct stores. The minimum qualifying spend is £4.

Everywhere else

Collect one point for every £8 you spend in each transaction on your Tesco Bank debit card. You don’t usually earn Clubcard points on these transactions. The minimum qualifying spend is £8.

WhereUsing Tesco Bank debit cardUsing Tesco Clubcard only
Tesco Fuel (excluding Esso)5 points per £4 spent1 point per £2 spent
In Tesco spend*5 points per £4 spent1 point per £1 spent
Out of Tesco spend1 point per £8 spentn/a

*Points exclusions apply to certain products at Tesco.

Earn rates are subject to change.

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

Clubcard points – what’s not included

While you can collect Clubcard points on most of your debit card transactions, there are some exceptions, including: payments from your current account (like standing orders and Direct Debits), in-store cash or cheque deposits, and refunds.

Other transactions where Clubcard points can’t be collected:

  • If you use your debit card to pay for bills at banks or other financial institutions
  • When you use your card to get cash. This includes cashback, in-store cash withdrawals and withdrawing cash at an ATM.
  • It also includes gambling, purchasing travel money, wire transfers and purchasing foreign currency.

For some products at Tesco, you'll only earn one Clubcard point for every £4 you spend.