You want a simple way to earn points on daily spend and keep fees clear. The Tesco Bank Clubcard Credit Card does both.
You apply online in minutes. You manage the card in the Tesco credit card app on iOS or Android.
Why choose this card (quick wins)
You earn Tesco Bank credit card Clubcard points on most purchases. In Tesco, you collect your normal Clubcard points plus an extra 1 point per £4 spent.
On Tesco Fuel (excluding Esso), you collect 1 point per litre plus 1 extra point per £4. Outside Tesco, you collect 1 point per £8.
Points are calculated on single transactions, and exclusions apply.
Your card doubles as your Clubcard at the till. Tap to unlock Clubcard Prices, then tap again to pay.
Step-by-step: apply online
Apply for the Tesco Bank Clubcard Credit Card this way.
- Check eligibility. Run the soft check at tescobank.com. Confirm the product that fits your goal (purchases, balance transfer, money transfer, or low APR).
- Start your application. Provide personal details, address history, income, and outgoings. You may be asked for identity verification.
- Review key rates and fees. Check the Tesco Bank Clubcard credit card APR for your chosen card and any introductory offers.
- Submit and wait for a decision. Decisions depend on credit checks and affordability.
- Set up the app and online banking. Register and link your card to manage payments, transfers, statements, and limits.
- Activate your card and add it to your wallet. You can add your card to Google Wallet/Apple Wallet for contactless payments.
Interest rates and fees (what to expect)
Consider all of them.
- Tesco Bank Clubcard credit card APR: often 24.9% APR (variable), rep example; product-specific APRs vary.
- Low APR card: 10.9% APR representative (variable) on purchases.
- Clubcard Plus Credit Card: 37.7% APR representative (includes subscription).
- Late fee: £12. Foreign use: 2.75% (most cards; no fee on Clubcard Plus Credit Card).
- Cash: 3.99% withdrawal fee (min £3). Cash transactions: 3.99%. Interest from day one.
Can I withdraw money from a Tesco credit card?
Yes, but use it sparingly.
Cash withdrawals and cash transactions (e.g., money orders, some finance payments) incur fees and interest from the transaction date.
Expect a 3.99% cash withdrawal fee (min £3). If abroad, add the foreign exchange fee unless your product has a waiver.
If you only need funds to your bank, consider a money transfer if your offer includes a 0% period; fees still apply, and interest begins after the 0% window.
Managing your card in the Tesco credit card app
Download the Tesco Bank Mobile Banking App for iOS or Android. Registration is quick.
You can make payments, view statements, complete balance/money transfers, manage your credit limit, and block/unblock your card.
You can also add your card to Google Wallet/Apple Wallet for easy contactless payments. Follow the in-app steps to verify your card.
Which Tesco Bank Clubcard Credit Card fits you?
Everyday spender: You want simple rewards and flexibility on purchases. Look at purchase or all-around cards.
Transferring a balance: You want 0% on balance transfers for a set period. Watch the transfer fee and the 90-day transfer window, where applicable.
Low, steady rate: You prefer 10.9% APR representative (variable) on purchases and fewer promos. Consider the Low APR card.
Clubcard Plus user: You already pay for Clubcard Plus and want the linked card. Note the 37.7% APR representative that includes the subscription cost.
Contact information
Phone (Credit Cards customer services): 0345 300 4278 (UK). From overseas: +44 1268 50 80 27.
Other numbers are available for fraud, financial difficulty, online/app help, and more. Check hours before calling.
Postal address (credit card operations): Tesco Bank Credit Card Operations, PO Box 343, Newcastle Upon Tyne, NE12 2GD.
Provider note: Tesco Bank credit cards are provided by Barclays Bank UK PLC; you’ll see this on product pages and legal notices.
Tips to get approved and stay in control
Use the soft-search eligibility tool first.
Keep utilisation low and pay more than the minimum by Direct Debit.
Avoid cash advances unless necessary due to fees + immediate interest.
Track Tesco credit card benefits in the app and redeem Clubcard vouchers with partners when valuable.
Competitors
Here’s how the Tesco Bank Clubcard Credit Card stacks up against the main UK alternatives (rates/features checked 8 Sep 2025).
Snapshot comparison
See:
| Card | Rewards at own brand | Rewards elsewhere | Rep. APR | FX fees | Notable extras |
|---|---|---|---|---|---|
| Tesco Bank Clubcard Credit Card | Collect your usual Clubcard points + extra 1 point/£4 at Tesco. On Tesco Fuel (ex-Esso): 1 point/litre + extra 1 point/£4. | 1 point/£8 | 24.9% APR (var.) | 2.75% FX fee (Clubcard Plus CC: no FX fee) | Card doubles as your Clubcard; unlocks Clubcard Prices at tills. |
| Asda Money Credit Card | 0.75% Asda Pounds on Asda (groceries, fuel, George, services). | 0.2% back | 27.9% APR (var.) | FX fees apply | Rewards go to your Asda Rewards Cashpot; issued by Jaja. |
| John Lewis Partnership Credit Card (NewDay) | 5 points/£4 at John Lewis & Waitrose (double points for first 60 days). | 1 point/£10 outside JL/Waitrose (from Aug 2025). | 28.9% APR (var.) | FX fees apply | Vouchers: £5 per 500 points. Periodic points boosters (e.g., August promos). |
| M&S Rewards Credit Card | 5 points/£1 at M&S for first 6 months, then 1 point/£1. | 1 point/£5 | 23.9% APR (var.) | 2.99% non-sterling fee (cash abroad: 2.99%, min £3) | Points convert to M&S vouchers; regular 0% periods on purchases/BTs. |
| Barclaycard Rewards (Visa) | n/a | 0.25% cashback on eligible spend | 28.9% APR (var.) | No FX fees (incl. overseas ATM withdrawals) | Simple for travel; eligibility checker available. |
Conclusion
You can apply for the Tesco Bank Clubcard Credit Card online in minutes. You earn points on everyday spend and manage everything in the Tesco credit card app.
Check eligibility first, compare APRs, and avoid costly cash withdrawals unless essential.
Disclaimer: Card availability, APR, fees, promotional periods, and Tesco Clubcard credit card benefits change over time. Always read the live rates, fees, and rewards pages and the card Terms & Conditions before you apply.