12 month All Round Credit Card
Enjoy 12 months with no interest to pay on purchases and transfers
If you've got balances on other cards and you're paying a higher rate of interest, then our All Round Card could make the difference.
Representative example
- Representative19.9%APR (variable)
- Interest rate on purchases19.9% p.a. (variable)
- Assumed credit limit£1,200
Why choose a Tesco Bank Credit Card
Get 0% interest periods on purchases, balance transfers and money transfers for the first 12 months
If you're looking for a credit card that gives you flexibility, our all-round credit cards are designed to give you a little bit of everything. This card has a 12-month 0% interest period on purchases, which can come in handy when you're looking to make a big purchase. Plus, you'll collect Clubcard points as you spend.
It also has a 12-month 0% interest balance transfer period, with a fee of 0% paid on the amount you’re transferring, so moving your existing debt to us could be cheaper if your current rate of interest is higher.
And with 0% interest on money transfers for the first 12 months you can move cash into your bank account for a 3.94% fee, and pay it back over time. For balance and money transfers you can transfer up to 95% of your available credit limit.
Remember, when transferring funds from your card to pay off other debt, this may give you an initial saving, but if you don't pay it off in the initial 0% interest period then it could end up costing you more in the long run.
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Important information
Key product information
Some things to remember
- 0% interest rates apply from the day you opened your account
- Your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full
- If you request a balance transfer as part of your application, you’ll need to activate your card within 60 days in order for this to be processed
- 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 UK residents 18 and over only, subject to status.
- 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 (please note that not all purchases are eligible for this protection).
Before applying, you should review the Summary Box (PDF) for this product:
- Tesco Bank 12 month All Round Summary Box PDF, 167kb
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 Tesco Clubcard points
How to collect Tesco 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 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 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.
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