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• If you have 0% interest periods, your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full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).
• Foundation Credit Limit Increases: You will be considered for regular credit limit increases if you stay within your credit limit, make your minimum payments on time and manage your account well. You also need to manage any other credit products you have, such as loans and other credit cards well.

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

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

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

You collect 1 Clubcard point for every £4 spent (£4 minimum) in Tesco and 1 Clubcard point for every £8 spent (£8 minimum) outside Tesco in each purchase transaction.

There are some products at Tesco you can't collect Clubcard points on. Find out more about collecting Clubcard 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 Clubcard points.

Tesco Bank CreditView is a free, exclusive service to help our Foundation Credit Card customers to stay fully up to speed with changes in their credit rating and financial history, provided by TransUnion.

For three years from account opening Foundation Credit Card customers who register with Tesco Bank CreditView will have:

• Unlimited access to your Credit Report and credit score from TransUnion
• Score Factors – a useful breakdown of the biggest influences on your overall credit score to help you understand things to change and things you're doing well
• Credit Alerts – email updates on any significant changes to your credit report each month
• Tesco Bank CreditView report - refreshed every 28 days with any new information passed on from other lenders, local authority, and courts (which Tesco Bank CreditView receive every 4-6 weeks)

If you apply and are accepted for a Foundation Credit Card then we'll send you a welcome email which will include a personal link to sign up to Tesco Bank CreditView.

As part of the sign-up process you will be required to pass TransUnion's identity validation checks before accessing your Tesco Bank CreditView account.

It's worth knowing that only the primary credit card holder will have access to Tesco Bank CreditView.

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