
Imagine a credit card that doesn’t just help you manage your expenses but actively rewards your loyalty, adds convenience to your shopping, and opens doors to exciting savings opportunities. The Clubcard Plus Credit Card, offered by Tesco Bank, is more than a financial tool—it’s a companion for smarter spending.
Clubcard Plus
Paying no Foreign Exchange fees Tesco Clubcard pointsDesigned with versatility in mind, this credit card combines valuable benefits, including no foreign exchange fees and competitive interest-free purchase periods, with Tesco’s beloved Clubcard rewards program. It’s the perfect choice for shoppers who want to maximize every penny spent.
Benefits of the Clubcard Plus Credit Card
- 0% Interest on Purchases: Enjoy peace of mind with up to 24 months of 0% interest on purchases from the day your account is opened. This flexible feature helps you spread out payments on larger purchases without worrying about additional costs. Depending on your individual credit profile, you might also be offered 20 or 16 months of interest-free spending.
- No Foreign Exchange Fees: Shopping abroad or online from international retailers is hassle-free with the Clubcard Plus Credit Card. Say goodbye to foreign exchange fees, making it a cost-effective option for travel or cross-border purchases.
- Collect Clubcard Points Everywhere: Earn Clubcard points not only at Tesco but also on almost all your purchases:
- 1 point per £4 spent in Tesco
- 1 point per £8 spent elsewhere
- Combine these with the standard Clubcard points you earn at Tesco for even greater rewards.
- Tesco Mobile Bonus: Save up to £40 on Tesco Mobile bills every month when using the Clubcard Plus Credit Card, making it an ideal choice for loyal Tesco customers.
- 24/7 Customer Support: Tesco Bank provides round-the-clock assistance for all your Clubcard Plus Credit Card needs. Whether you have questions about your statement or need help with account management, their dedicated team is always ready to assist.
- Enhanced Security and Fraud Protection: The Tesco Bank Clubcard Plus Credit Card is equipped with advanced security measures, including real-time fraud monitoring, purchase notifications, and secure online shopping tools.
- Manage Your Card Anywhere: The Tesco Bank app lets you track transactions, check balances, and make payments with ease, keeping your finances under control on the go.
Why Choose the Clubcard Plus Credit Card?
Smart Spending and Unmatched Rewards
The Clubcard Plus Credit Card turns everyday expenses into opportunities for savings and rewards. By using this card for regular purchases, you’re not just spending—you’re earning rewards in the form of Clubcard points, which can be redeemed for groceries, fuel, and experiences with Tesco’s partners.
Clubcard Plus: Convenience and Flexibility
Tesco Bank offers seamless integration with the Tesco Clubcard program and user-friendly account management through its Mobile Banking App. Track your spending, manage your rewards, and enjoy greater control over your finances—all in one place.
Savings on International Transactions
Frequent travelers and online shoppers will appreciate the absence of foreign exchange fees, making this card a practical choice for spending outside the UK.
The Security You Deserve
Your security is Tesco Bank’s priority. The Clubcard Plus Credit Card offers:
- Fraud protection measures to safeguard your transactions.
- Real-time account alerts and monitoring via Tesco’s Mobile Banking App.
- Built-in features to help you spot unusual account activity, ensuring peace of mind.
Representative Example
- Representative APR: 37.7% (variable)
- Purchase Rate: 19.9% p.a. (variable)
- Credit Limit: Assumed at £1,200
- Clubcard Plus Subscription: £7.99 per month
This example highlights how costs may vary depending on your subscription and spending habits.
Tesco Bank Account Benefits
Pairing a Tesco Bank account with your Clubcard Plus Credit Card unlocks even more convenience. Manage your spending and rewards in a single app, enjoy seamless transactions, and access tailored financial tools for effective money management.
How Do Rewards Work?
Your spending with the Clubcard Plus Credit Card earns Clubcard points, which can be redeemed for Tesco vouchers. These vouchers can then be used for:
- Discounts on groceries and fuel at Tesco.
- Reward Partner offers, including dining, travel, and entertainment experiences.
This system allows you to maximize the value of your everyday expenses effortlessly.
Clubcard Plus: Eligibility Criteria
To apply for the Clubcard Plus Credit Card, ensure you meet the following requirements:
- Be at least 18 years old.
- Have an annual income of £5,000 or more.
- Hold a good credit history.
- Reside in the UK or at a British Forces Post Office address.
- Be a current subscriber to Clubcard Plus.
- Own no more than one Tesco Bank Credit Card and have not applied for another in the last month.
How to Apply for the Clubcard Plus Credit Card
Applying is quick and straightforward. Here’s how:
- Gather Your InformationEnsure you have your address history for the past three years, monthly income, bank account details, and information about any balance transfers ready.
- Subscribe to Clubcard PlusA subscription to Clubcard Plus is required to access this credit card.
- Visit Tesco Bank OnlineNavigate to the Tesco Bank website and locate the Clubcard Plus Credit Card application page.
- Complete the ApplicationEnter your personal, financial, and subscription details accurately.
- Submit and Await ApprovalAfter submitting your application, Tesco Bank will review it and notify you of the decision. If approved, your card will arrive promptly.
Frequently Asked Questions
- Can I apply without a Clubcard Plus subscription? No, a Clubcard Plus subscription is mandatory.
- Are there fees for overseas purchases? No, foreign exchange fees are waived with this card.
- How quickly can I earn rewards? You earn Clubcard points on every eligible purchase, which can be redeemed during Tesco’s regular voucher issuance cycles.
- What happens after the 0% interest period ends? Standard purchase rates of 19.9% p.a. (variable) will apply.
- Can I manage my account online? Yes, Tesco Bank offers comprehensive online and mobile account management tools.

Santander Edge Card — A Smart, Practical Way to Save on Everyday Spending <p style=' font-weight: normal; line-height: 1.9rem !important; font-size: 17px !important;'> A modern card offering meaningful rewards on essential purchases — helping you get more from your everyday spending. </p>
Amazon Business American Express® Card — Smarter Purchasing Power for UK Businesses <p style=' font-weight: normal; line-height: 1.9rem !important; font-size: 17px !important;'> Discover how this business credit card helps UK companies streamline expenses, unlock Amazon rewards, and strengthen financial control. </p>
AIB Options 2 Card — Straightforward, Secure and Built for Everyday Use <p style=' font-weight: normal; line-height: 1.9rem !important; font-size: 17px !important;'> A simple, dependable and convenient credit card designed for daily spending and stress-free financial control. </p>