Clubcard Plus Credit Card

When you have Clubcard Plus, you can apply for our Clubcard Plus Credit Card.

If you're accepted, you'll benefit from:

  • 0% interest on purchases for up to 24 months from account opening. We may offer you a 0% interest period of 20 or 16 months instead of depending on your individual circumstances. Find out more
  • Paying no Foreign Exchange fees. More on fees
  • Collecting Tesco Clubcard points almost everywhere you use your card, on top of your usual Clubcard points in Tesco. Terms apply
    Clubcard Plus Credit Card

      Representative example

      Representative rate 37.7% APR (variable)
      Based on 19.9% p.a. (purchase rate variable)
      and
      £7.99 a month Clubcard Plus subscription
      Assumed credit limit £1200

        How is your representative rate calculated?

        Since you need Clubcard Plus to benefit from this credit card, the 37.7% APR representative rate includes a variable purchase rate of 19.9% per annum and the £7.99 you already pay for your subscription. Rest assured, you won't need to pay an additional subscription fee for your credit card.


          Things you need to know

          If you cancel your Clubcard Plus subscription, we’ll start charging you Foreign Exchange fees of 2.75% on eligible transactions. We’ll give you at least 30 days’ notice before we do this.

            Make sure you're eligible for the Clubcard Plus Credit Card

            Please check that these statements apply to you

            • Do you subscribe to Clubcard Plus?
            • Do you have an annual income of at least £5,000?
            • Are you are least 18 years of age?
            • Do you have a good credit history?
            • Do you live in the UK, or have a British Forces Post Office address?
            • Do you currently have no more than one Tesco Bank Credit Card?
            • Can you confirm you haven’t applied for a Tesco Bank Credit Card in the last month?

            Get your paperwork ready

            These are things you'll be asked about during your application:

            • Your address history in the past three years
            • Details of your annual income and your monthly take home pay
            • Bank account number and sort code and details of other credit cards, if you'd like to transfer the balances to us

            Ready to apply?

            Click below to Subscribe or to log in to your Clubcard Plus account

            Important information

            Key product information

            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.

            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.

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

              Tesco Bank Credit Cards are provided by: Tesco Bank, PO BOX 344, Newcastle Upon Tyne, NE12 2GF.

                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.

                  Collecting Tesco Clubcard points

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

                  • It’s simple: use your Clubcard Plus 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 in Tesco and 1 Clubcard point for every £8 spent 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.

                    About your fees

                    As a Clubcard Plus member with this credit card you could benefit from no Foreign Exchange fees.

                    But remember, Cash Withdrawals (where you use the credit card at an ATM, over the counter at a bank or from a cash provider), will still incur fees.

                      Cancelling your subscription

                      If you cancel your Clubcard Plus subscription, we’ll start charging you Foreign Exchange fees of 2.75% on eligible transactions. We’ll give you at least 30 days’ notice before we do this. If you resume your Clubcard Plus subscription we’ll stop charging Foreign Exchange fees on all eligible transactions.