Credit Cards

Some things to remember

• If you have 0% interest rates, these apply from the day you opened your account
• If you have 0% interest periods, your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full
• Your credit limit and APR may vary subject to your individual circumstances
• You can transfer up to 95% of your available credit limit. You won't be able to transfer a balance between Tesco Bank Credit Cards.
• Our credit facilities are available to over 18s and UK residents only, subject to status
• For money transfers: purchases made using money that has been transferred will not benefit from protection under Section 75 of the Consumer Credit Act 1974. Section 75 protection is only available if you make the purchase with your credit card (not all purchases are eligible for this protection).

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

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.

• Tesco Bank Premium Credit Card Travel Insurance Policy Booklet PDF, 270kb
• Tesco Bank Premium Credit Card Travel Insurance Policy Summary PDF, 86kb

5,000 Clubcard points bonus

If you spend £5,000 on your Premium Credit Card in Tesco in any year you will collect 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 added 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 Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.

About Noddle

Noddle is a free service which allows you to view your credit report, credit score, rating and financial history. Additionally, as a Foundation Credit Card customer you will also benefit from free access to Noddle Improve and Noddle Alerts for three years from the moment you sign up.

• Noddle Improve – information and helpful tips on how you can improve your credit score.
• Noddle Alerts –sending you notifications when there are significant changes to your credit report, allowing you to stay in control of your report and spot any problems quickly.

If you have applied and been accepted for a Foundation Credit Card then we’ll send you a welcome email within three weeks of receiving your card, including a link to the sign up page.

If you’re already a Noddle customer and are accepted for a Foundation Credit Card, then you’ll have the opportunity to upgrade your account to have access to Noddle Improve and Noddle Alerts through the welcome email.

As part of the sign-up process you will be required to pass Noddle’s identity validation checks before accessing your Noddle account.

After three years, your additional benefits (Noddle Improve and Noddle Alerts) will expire, but you can choose to renew and pay for these benefits if you want to. The good news is, you will still have access to your free for life credit report and score.

It’s worth knowing that only the primary credit card account holder will have access to Noddle.

Clubcard points offer terms and conditions

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

Applications made through alternative web addresses, including price comparison websites, will not be eligible for the Clubcard points offer.

Your Clubcard points will be allocated within 12 weeks of your first transaction.

The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.

Additional terms and conditions for the extra 5,000 Tesco Clubcard points

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

Your Clubcard points will be allocated within 12 weeks of your first purchase transaction.

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).

The Tesco Clubcard scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.

How to collect 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.

With the Premium Credit Card you collect 1 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 collect 1 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.

Clubcard points collection rates are subject to change.

You must have available credit.

The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.

Calculator assumptions

We make a few assumptions when we're doing our sums:

• You have been accepted for the card on the interest rates shown
• You will remain eligible for the promotional offer
• The credit limit we offer allows you to transfer the amount that you entered
• You will keep up with the monthly payments you entered
• You will stay within your credit limit
• You will make at least your minimum monthly repayment on time
• You will only use the card for the purpose you have selected