Current account rewards calculator

Your Tesco Bank debit card is your Clubcard too, so when you use it you can collect your regular Clubcard points at Tesco, plus a little extra

Monthly spend

How much do you spend a month?

How do we calculate Clubcard vouchers?

How Tesco Clubcard works

  • Collect points as you spend

    Collect Clubcard points when you use your debit card - online, in stores, or when you fill up at the pump.

  • Get your vouchers

    Every three months, your Clubcard points get turned into vouchers.

  • Reward yourself

    Save on your shopping at Tesco or use your vouchers with a great range of Clubcard Reward Partners such as Cineworld, PizzaExpress and Avios.

How your Clubcard points are calculated

How do we calculate Tesco Clubcard vouchers?

The calculator uses how many Clubcard points you could collect if you had a Tesco debit card and used it to pay for items in and out of Tesco (1 point = approximately £0.01).

Based on the Clubcard points you say you typically collect in each quarter, we can then give you an idea of the Clubcard vouchers you could receive.  The actual number will depend on how you use your debit card.

Don't forget that you’ll need to spend a minimum amount to begin collecting Clubcard points. And please also bear in mind that this is just an indication.

Tesco Fuel

Collect one Clubcard point for every £1 you spend at Tesco Petrol Filling Stations (excluding Esso fuel) in each debit card transaction, and you’ll also collect normal Clubcard points on top at an enhanced rate of 1 point per £1 spent (usually 1 point per £2 spent with a Clubcard). The minimum qualifying spend is £1.

In Tesco

Collect one Clubcard point for every £1 you spend in each debit card transaction, and you’ll also collect your normal Clubcard points on top. This includes your spend at all Tesco grocery stores. The minimum qualifying spend is £1.

Everywhere else

Collect one Clubcard point for every £8 you spend in each transaction on your Tesco Bank debit card. The minimum qualifying spend is £8.

WhereUsing Tesco Bank debit cardUsing Tesco Clubcard only
Tesco Fuel (excluding Esso)2 Clubcard points per £1 spent1 Clubcard point per £2 spent
In Tesco spend*2 Clubcard points per £1 spent1 Clubcard point per £1 spent
Out of Tesco spend1 Clubcard point per £8 spentn/a

*Clubcard points exclusions apply to certain products at Tesco.

Clubcard points collection rates are subject to change.

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 points.

Clubcard Points – what’s not included

While you can collect Clubcard points on most of your debit card transactions, there are some exclusions, including: payments from your current account (like standing orders and Direct Debits), in-store cash deposits and refunds.

Other transactions where Clubcard points can’t be collected:

  • If you use your debit card to pay for bills at banks or other financial institutions.
  • When you use your card to get cash. This includes cashback, in-store cash withdrawals and withdrawing cash at an ATM.
  • If you use your card for gambling, purchasing travel money, wire transfers and purchasing foreign currency.