Already a Clubcard Plus Credit Card Customer?

Information about your benefits

We hope you’re enjoying the benefits your Clubcard Plus Credit Card brings. Here’s a reminder of what you’re benefitting from:

  • Paying no Foreign Exchange fees.
  • Collecting Tesco Clubcard points almost everywhere you use your card, on top of your usual Clubcard points in Tesco. Terms apply
  • If you applied before 21st July 2020 you won’t pay Over Limit fees, Late Payment fees or Returned Item fees
  • Balance Transfers, Money Transfers, Cash Transactions and Cash Withdrawals will still incur fees. More on fees
    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

        Things you need to know

        As a Clubcard Plus Credit Card customer, you won’t be charged Foreign Exchange fees and, if you applied before 21st July 2020, you also won’t be charged Over Limit, Late Payment or Returned Item fees. Although we won’t charge you these fees, we still expect you to keep your credit card in good order by making your minimum payment on time and staying within your credit limit.

        Remember, paying late, missing payments and spending over your credit limit could affect your ability to get credit in the future.

        If you cancel your Clubcard Plus subscription, your credit card account will remain active until at least 12 months after your last paid subscription month. We can end this agreement at any time for other reasons but we’ll always give you at least two months’ written notice.

          See your other Clubcard Plus benefits

          Important information

          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

            Tesco Bank is a trading name of Tesco Personal Finance plc. Registered in Scotland No. SC173199. Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ. Authorised by the Prudential Regulation Authority.

              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 balance will be determined by the APR.

                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 can't be collected on Tesco Travel money purchases.
                • Clubcard points collection rates are subject to change.
                • You must have available credit.
                • Remember, while you can collect points with your credit card, you'll need to tap your Clubcard Plus app to redeem any Tesco shopping discounts.

                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.

                  As a Clubcard Plus member with this credit card you could benefit from:

                  • No Foreign Exchange fees

                  If you applied before 21st July 2020, you could also benefit from:

                  • No Over Limit fees – normally this would be charged every time you go over your credit limit or stay over the limit at any time during your statement cycle
                  • No Late Payment fees – normally this would be charged if you don’t make your minimum payment on time
                  • No Returned Item fees – normally this would be charged if a Direct Debit, cheque or other payment is returned due to a lack of funds

                  But remember the card will still have other fees for example Balance Transfers, Money Transfers, Cash Transactions (where you’re using the card to buy cash or credit elsewhere – for example purchasing non-sterling currency outside of Tesco, payments to a pre-paid card and share trading, among others, are regarded as cash transactions) and 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.

                    If you cancel your Clubcard Plus subscription, your credit card account will remain active until at least 12 months after your last paid subscription month. We can end this agreement at any time for other reasons but we'll always give you at least two months' written notice.