Purchases Credit Card

Enjoy up to 18 months with no interest to pay on purchases.

Purchases Credit Card

Some things can’t wait, but the cost of them can. Help spread the cost of your spending with our Purchases Credit Card.

  • No interest to pay on purchases for up to 18 months from account opening. We may offer you a 0% interest period of 15 or 12 months instead depending on your individual circumstances
  • Collect Tesco Clubcard points almost everywhere you use your card, plus your usual points in Tesco Terms apply
  • Your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full.
  • Direct debits and payment due date alerts can be set up through online banking after your account has been opened to help you avoid paying late or missing a payment.

Representative example

  • Representative rate19.9%APR (variable)
  • Interest rate on purchases19.9% p.a. (variable)
  • Assumed credit limit£1,200

What is APR?

Why choose a Tesco Bank Credit Card

  • Apply online and get a decision in under 10 minutes
  • Collect Tesco Clubcard points almost everywhere you use your cardTerms apply
  • Complete your money transfer with our mobile app and use it to keep on top of all your spending
  • Collect Clubcard points & pay up to £250 at Tesco with your phoneFind out more
  • Available to Tesco Bank credit card holders on compatible Apple devicesFind out more


Can I apply for this card?

Please check that these statements apply to you

  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don’t currently hold more than 1 Tesco Bank Credit Card
  • You have not 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
Other credit cards, if you'd like to transfer the balances to us


Important information

Key product information

Some things to remember

  • 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
  • Your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full.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.

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

Tesco Bank Credit Cards are provided by: Tesco Bank, PO Box 34, 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. 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 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.