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Tesco credit card Clubcard points

Tesco Bank’s credit card rewards scheme: Learn how to earn and spend Clubcard points, where you can redeem points and the pros and cons.

Tesco Bank offers a range of rewards credit cards that allow you to collect additional Clubcard points along with your regular Tesco Clubcard. You can redeem these point on your next shop or you can spend them on holidays, meals out, leisure attractions and more with its partners.

Tesco Bank credit card points and regular Clubcard points

Your Tesco Bank credit card is considered your Clubcard, so there’s no need to swipe both at the till.

With most Tesco Bank credit cards, you receive 1 point per £4 spent in a Tesco store or online, in addition to the standard Clubcard rewards system of 1 point for every £1 spent. So for every £4 spent in Tesco, you could receive a total of 5 points. With this earn rate, to obtain 150 points (£1.50 voucher), you would need to spend £120 with Tesco.

Alternatively, if you use your credit card for purchases elsewhere, you will receive 1 point per £8 spent.

Tesco Bank offers Premium, World, Classic and Platinum credit cards with higher earn rates, such as 1 point per £1 or £2 spent. However, these are unavailable to new customers and may only be offered to you once you have banked with Tesco for some time and meet other criteria.

How do you redeem Tesco Clubcard points?

Every three months, your points automatically get turned into vouchers that you can spend at tesco.com, in store, on Tesco fuel or with one of the Clubcard Reward Partners. They will usually be sent to you in February, May, August and November.

Most of the reward partners accept Clubcard vouchers, which you can change into partner vouchers. However, if you want to spend your points on British Airways or Virgin Atlantic holidays or flights, you will need to convert your Tesco vouchers into either Avios or Virgin Atlantic Flying Club Miles currency respectively. (At time of writing, you can exchange £150 in Clubcard vouchers for 36,000 Avios or 37,500 Virgin Atlantic Flying Club miles).

Tesco Clubcard vouchers usually have an expiry date of two years. However, if you exchange your Clubcard vouchers to partner vouchers, these are usually only valid for a much shorter period.

Pros and cons

Pros

  • Automatic points redemption every three months
  • Large choice of reward partners
  • Only need credit card instead of carrying additional Clubcard
  • Keep track of your points and redeem faster on the Clubcard app
  • Can open up to two Tesco Bank credit cards
  • Accepts additional cardholders

Cons

  • Low earn rate
  • Reduced earn rate on non-Tesco purchases
  • Clubcard points can’t be collected on travel money
  • Limit of 30,000 points per collection period (3 months)
  • Restrictions on some Tesco purchases (points can’t be collected on tobacco, lottery, stamps, prescription medicine, gift card and infant formula)

Compare credit cards that earn Clubcard reward points

Table: sorted by representative APR, promoted deals first
Updated October 20th, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
N/A
1 point per £4 spent
1 point per £8 spent
£0
5.9% p.a. (variable)
1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction. Exclusions apply. Clubcard points collection rates are subject to change. Must have available credit. Clubcard points are converted to Clubcard vouchers which can be used on your shopping in Tesco, or get even more value through Clubcard Rewards Partners.
Representative example: When you spend £1,200 at a purchase rate of 5.94% (variable) p.a., your representative rate is 5.9% APR (variable).
N/A
1 point per £4 spent
1 point per £8 spent
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
N/A
1 point per £4 spent
1 point per £8 spent
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
N/A
1 point per £4 spent
1 point per £8 spent
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
N/A
1 point per £4 spent
1 point per £8 spent
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
N/A
1 point per £4 spent
1 point per £8 spent
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
N/A
1 point per £4 spent
1 point per £8 spent
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
N/A
1 point per £4 spent
1 point per £8 spent
£0
27.5% p.a. (variable)
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Who are Tesco Clubcard’s partners?

The good news is that you don’t just have to spend your rewards at Tesco as you can redeem your points on a range of more exciting treats, such as meals, days out or even travel abroad.

Tesco Clubcard points are converted into vouchers, which you can spend at a wide selection of travel, restaurant, leisure and lifestyle partners. Alternatively, you can exchange vouchers into other points currencies, such as Avios or Virgin Atlantic Flying Clubcard miles.

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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4 Responses

  1. Default Gravatar
    AlunAugust 1, 2019

    I have had a Tesco Credit Card for many years, and always pay off my balance by Direct Debit monthly.
    How do I apply for a better deal with regards to Clubcard points?

    • Avatarfinder Customer Care
      fayemanuelAugust 2, 2019Staff

      Hi Alun,

      Thanks for contacting Finder.

      Your Tesco Bank credit card is considered your Clubcard. You only need your credit card instead of carrying additional Clubcard. Your points automatically get turned into vouchers that you can spend at tesco.com, in store, on Tesco fuel or with one of the Clubcard Reward Partners. They will usually be sent to you in February, May, August and November. You can also spend your points on British Airways or Virgin Atlantic holidays or flights, you will need to convert your Tesco vouchers into either Avios or Virgin Atlantic Flying Club Miles currency respectively.

      Please review the page above on how to redeem your Tesco Clubcard points.

      Kind Regards,
      Faye

  2. Default Gravatar
    RyanJune 20, 2019

    Hi, If I convert some clubcard vouchers to air miles, can I still convert any remaining clubcard vouchers for instore shopping or other non travel partners?

    • Avatarfinder Customer Care
      BellaJune 21, 2019Staff

      Hi Ryan,

      Thanks for your inquiry.

      As I checked, yes, you may still convert or exchange the remaining Clubcard vouchers into partners vouchers. Please note that if you exchange your Clubcard vouchers to partner vouchers, these are usually only valid for a much shorter period.

      I hope this helps.

      Kind regards,
      Bella

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