Tesco Clubcard Credit Card 13 Months FREE on Purchases Plus Tecso Clubcard Points - HotUKDeals
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Our Tesco Credit Card is a good little earner. Earn points on everything you buy at Tesco or elsewhere with your Clubcard Credit Card. Buy all shopping interest-free for 13 months from the day you open your account!

Don't miss out apply for this low rate on purchases and extra points today.

0% interest on all purchases for 13 months
0% interest on balance transfers for 9 months from account opening(2.9% fee)
Your way to collect Clubcard points
Apply online for an instant decision
A defaqto 5 star rating for excellent quality
Must have available credit. 1 point awarded per £4 spent (£4 min).

How could you benefit from a Clubcard Credit Card?
Use your Clubcard vouchers - inside or outside Tesco and turn them into rewards or even Airmiles
Protect against fraud with FraudSafe - our built-in card protection system
Online Servicing with Tesco Credit Card Online
Dedicated UK Customer Services Team
10% discount on Travel Insurance - the world's at your feet!
No cash advance fee on Tesco Travel Money and remember you'll get 0% commission on all currency and foreign Travellers' Cheques, excluding Sterling - Call 0845 600 66 67
Special Offers only for existing credit card customers
Buy Now Pay Later on selected items at Tesco Direct
Benefit from optional Identity Protection Alert, Card Protection Plus and Tesco Payment Protection Insurance
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#1
Ok thick question but here we go.......

I get this Credit Card, do my on-line grocery shop at Tesco as normal for which I get Clubcard Points. Do I then get MORE Clubcard Points for paying using this Credit Card? Or do they only give you the one set of points?

Maybe i'm missing the obvious :|
#2
Haylhoo
Ok thick question but here we go.......I get this Credit Card, do my on-line grocery shop at Tesco as normal for which I get Clubcard Points. Do I then get MORE Clubcard Points for paying using this Credit Card? Or do they only give you the one set of points?Maybe i'm missing the obvious :|

You get your original tesco points as you would do normally and then an extra 1 point for every £4 you spend. You also get 1 point for every £4 you spends elsewhere.
#3
Not sure why this is a 'Deal'.

This has been their standard offering for about 4 years....

You can also get 6 months interest free credit on major purchases from Tesco.com with this card even when your initial interest free period has expired (as long as you have credit avalable to the same amount).


Edited By: withabix on Aug 13, 2010 13:03: ...
#4
this deal was on last year..... mine ran out today!!!!! I buy everything on it and pay straight off,... I've had about 25quids work of points from using the card :-) cancel coucil tax direct debit n pay monthly on this card too .... that alone bumps up the spending... great card... i'm going to carry on using it
#5
Hot hot hot 8)
#6
i have this card also worth mentioning you get interest free purchases on selected tesco direct products.
#7
Hmmm I dont like Credit Cards, never had one. But lately my bank have been pressuring me saying I really shouldnt be shopping on-line using my Debit Cards. So the fact this card gives something back (especially being a Tesco customer weekly anyway) interests me.

As said above, any purchase I make would only be ones I have the cash for or pay anyway (good tip about the Council Tax!) so i'd pay it straight off. It's bad enough having over-drafts, I don't want any other outstanding credit lol.

Thanks for the heads up, think i'll talk it over with hubby. Just wish I knew when I bought a Washing Machine from Tesco a couple of weeks back, but hey ho.......
#8
weemee002
this deal was on last year..... mine ran out today!!!!! I buy everything on it and pay straight off,... I've had about 25quids work of points from using the card :-) cancel coucil tax direct debit n pay monthly on this card too .... that alone bumps up the spending... great card... i'm going to carry on using it


Instead of paying it off, you should have put all the money you would have paid off into a savings account. Then you clear the balance just before losing the 0% rate. That way, you get extra money on the interest during the 0% time.
#9
Haylhoo

As said above, any purchase I make would only be ones I have the cash for or pay anyway (good tip about the Council Tax!) so i'd pay it straight off. It's bad enough having over-drafts, I don't want any other outstanding credit lol.


There are a number of cashback credit cards. AMEX have a deal where you get 5% cashback for 3 months. So if you are going to buy something expensive, check the firm takes amex, sign up, purchase and get the cashback. I spent just over £4K on having heating installed, paid by amex, got £200 cashback.
#10
Been using mine for the last 4 months, once maxed will pay off near to end of the 12 months.
#11
Mine finishes it's 12months 0% IN September otherwise i'd go for this...again!
#12
Just a quick tip for those who don't already know...

Make sure you set up a direct debit to pay at least the minimum amount owed each month as they don't automatically do that for you.

If you miss a payment you lose the 0% 12 months purchase and balance transfer rates. I had this for a year and it was great, moved to a Virgin card now.
#13
Haylhoo
Hmmm I dont like Credit Cards, never had one. But lately my bank have been pressuring me saying I really shouldnt be shopping on-line using my Debit Cards. So the fact this card gives something back (especially being a Tesco customer weekly anyway) interests me.As said above, any purchase I make would only be ones I have the cash for or pay anyway (good tip about the Council Tax!) so i'd pay it straight off. It's bad enough having over-drafts, I don't want any other outstanding credit lol.Thanks for the heads up, think i'll talk it over with hubby. Just wish I knew when I bought a Washing Machine from Tesco a couple of weeks back, but hey ho.......

NEVER ever ever ever use a debit card IMO. I once used a debit card in a computer shop the item was out of stock so they were going to post it out the following week - not only did they not post BUT they took payment again in error but trying to get my money back via the bank was an absolute nightmare - form filling etc, all the time the money was not in my account.

I now only use a credit card .....you can still choose only to spend what you have in your bank account and are able to pay back at any time.

PLEASE cut your debit card in half & either use a credit card or cash don't get caught out 'cos there is virtualy NO protection against debit card theft.

Heat from me btw for the heads up OP
#14
Cut your debit card in half and use cash?? Hmmm.
#15
I've been using DC without problems for small transactions for years no problem.

Pretty much anything over £50 and might be problematic and everything over £100 goes on my CC.

I have this Tesco Clubcard Credit Card from when it was 16months in March, i've been tarting on it without problem.

And yes, setting up minimum payment on DD is MUST
#16
far-queue

PLEASE cut your debit card in half & either use a credit card or cash don't get caught out 'cos there is virtualy NO protection against debit card theft.

Heat from me btw for the heads up OP

Last time I checked there was no protection AT ALL against cash theft (_;)
The majority of banks, however, do give protection on debit card fraud - I imagine the problems arose in your case because you did authorise the original transaction. (I do agree, you would have got a quicker resolution had you spent on a credit card, however)

Edited By: muffinman on Aug 13, 2010 15:46: formatting
#17
Haylhoo
Hmmm I dont like Credit Cards, never had one. But lately my bank have been pressuring me saying I really shouldnt be shopping on-line using my Debit Cards. So the fact this card gives something back (especially being a Tesco customer weekly anyway) interests me.


As others have said it's often easier to sort out if anything goes wrong if you pay by credit card. Also, remember your debit card is linked to your bank account so in theory they could empty that, leaving you with nothing. With a credit card it's loaned money and you still have money in your bank account for living expenses.

Also, I have no idea what your credit score is like but if you've never had a loan as well as avoiding credit cards then it's likely you won't have much of a credit history and are more likely to be turned down for credit (loans, credit cards, mortgages) in the future or you offered a higher interest rate than the advertised "typical APR".
#18
What is so special about this deal?
#19
I may sound dumb here but 0% interest on all purchases? Does this mean you can buy something and not pay for it for a whole year without any charges?
#20
bigpappa
I may sound dumb here but 0% interest on all purchases? Does this mean you can buy something and not pay for it for a whole year without any charges?


Yes, but be careful. They're banking on you not paying it all up by the time the time the interest free period runs out and then slapping a relatively uncompetitive APR on top while you slowly pay it back.

If you are going to get one of these then don't spend more on it than you can afford to have paid back fully within the interest free period or put the money you would have otherwise spent into a savings account instead to earn interest.
#21
bigpappa
I may sound dumb here but 0% interest on all purchases? Does this mean you can buy something and not pay for it for a whole year without any charges?


i think that is correct,

but.... its likely you will hit your credit limit (for example 1,000 debt) before the 12 month period.

when i applied they only offered me about 500 quid credit limit.
#22
bigpappa
I may sound dumb here but 0% interest on all purchases? Does this mean you can buy something and not pay for it for a whole year without any charges?


yep thats right. all the information about the card is here
#23
far-queue
Haylhoo
Hmmm I dont like Credit Cards, never had one. But lately my bank have been pressuring me saying I really shouldnt be shopping on-line using my Debit Cards. So the fact this card gives something back (especially being a Tesco customer weekly anyway) interests me.As said above, any purchase I make would only be ones I have the cash for or pay anyway (good tip about the Council Tax!) so i'd pay it straight off. It's bad enough having over-drafts, I don't want any other outstanding credit lol.Thanks for the heads up, think i'll talk it over with hubby. Just wish I knew when I bought a Washing Machine from Tesco a couple of weeks back, but hey ho.......


NEVER ever ever ever use a debit card IMO. I once used a debit card in a computer shop the item was out of stock so they were going to post it out the following week - not only did they not post BUT they took payment again in error but trying to get my money back via the bank was an absolute nightmare - form filling etc, all the time the money was not in my account.

I now only use a credit card .....you can still choose only to spend what you have in your bank account and are able to pay back at any time.

PLEASE cut your debit card in half & either use a credit card or cash don't get caught out 'cos there is virtualy NO protection against debit card theft.

Heat from me btw for the heads up OP


Also i had a problem with an item 13 months old, got no help at all from online store but if i had of paid by credit card i may have been able to get a refund. never use a debit card anymore
#24
Might apply for this. Least your getting something back by using the card.

Silly question, but how does this work when you need to check your balance? As is do you just log into Tescos.com and then see your account information? or how does it work?

Thanks in advance.
#25
We$ton
Might apply for this. Least your getting something back by using the card.

Silly question, but how does this work when you need to check your balance? As is do you just log into Tescos.com and then see your account information? or how does it work?

Thanks in advance.


They have an on-line facility. You can link it to your bank account and pay your monthly bill or pay extra at any time...

Credit Card Login

Edited By: southwell65 on Aug 13, 2010 18:24: More info...
#26
We$ton
how does this work when you need to check your balance? As is do you just log into Tescos.com and then see your account information? or how does it work?


It's very similar to every other online banking website; view accounts details, balance, pay in, pay out etc.
#27
I would never vote any credit card as a hot deal tbh
#28
Thanks for the extra info southwell65 and mikepegg.
#29
Good deal for 13 month Interest Free, good for emergencys :D Heat addd
#30
muffinman - Aug 13, 2010 15:15
far-queue

PLEASE cut your debit card in half & either use a credit card or cash don't get caught out 'cos there is virtualy NO protection against debit card theft.

Heat from me btw for the heads up OP


Right i've cut my debit card in half now to go get some cash from the hole in the wall..
sh1t anyone lend us some cellotape
#31
whatyadoinsucka
muffinman - Aug 13, 2010 15:15
far-queue

PLEASE cut your debit card in half & either use a credit card or cash don't get caught out 'cos there is virtualy NO protection against debit card theft.

Heat from me btw for the heads up OP



Right i've cut my debit card in half now to go get some cash from the hole in the wall..
sh1t anyone lend us some cellotape


lol!!!!!!!!!!!!!
#32
Might go for this but the last card the wife had from Tesco she kept getting pestered to have the payment protection. The wife did not require this and kept saying no then one day she had 3 calls in 1 day and told them not to call again the next statment had deductions for the payment protection ! Ran by MBNA if I remember. Probably a dodgy advisor wanting commission.
#33
you could spend hundreds and still not get many points
#34
lol there closed not waiting for a bank to open ,also is 16.9% £16.50, to them every hundread you o?
#35
sorry late nite. £16.90p to every tonne ya o
#36
Thanks for all the help and info guys - I signed up for one last night and got excepted with a very good credit limit (although I ticked the box to say I don't want it automatically increased at any time).

Hubby and I talked it through and decided it was a good, so now we will pool all our cash/payments together in one bank account and set-up a Direct Debit to pay off the balance each month. Going to transfer some regular monthly payments onto this card too I think to help knock up the ClubCard points even more.

The thing Hubby liked is that we always get our fuel from Tesco and nearly always pay cash - but now we can pay at the pump and our Clubcard points will automatically be added. So obviously i've requested two cards.

You have to be sensible with these things, I KNOW we will be as we have always been very sensible about money (especially money that isn't ours and has to be paid back) and we don't splash out as we can't afford to.

I have store cards but i've not used them in a very long time, avoid them where possible! Unless of course they are offering a good % off your purchase and you can pay the balance at the end of the month (_;)

Thanks again all......
#37
How does this compare to a credit card that say gives yo a flat 0.5% or 1% cashback?

1 point for every £4 spent doesnt seem particularly generous to me. For example, if you spent £100 that would give you 25points, ie 25p to spend in the shop as opposed to 50p or £1 if you get a credit card cash back deal. However, i guess if you use the points to get something else the 25p becomes £1 worth of clubcard points (I think).

I probably spend about £1,000 a month on my card (pay it all off each month) so trying to work out what would be best for me....

Thanks
What do others think?
#38
Haylhoo
Thanks for all the help and info guys - I signed up for one last night and got excepted with a very good credit limit (although I ticked the box to say I don't want it automatically increased at any time).

Hubby and I talked it through and decided it was a good, so now we will pool all our cash/payments together in one bank account and set-up a Direct Debit to pay off the balance each month. Going to transfer some regular monthly payments onto this card too I think to help knock up the ClubCard points even more.

The thing Hubby liked is that we always get our fuel from Tesco and nearly always pay cash - but now we can pay at the pump and our Clubcard points will automatically be added. So obviously i've requested two cards.

You have to be sensible with these things, I KNOW we will be as we have always been very sensible about money (especially money that isn't ours and has to be paid back) and we don't splash out as we can't afford to.

I have store cards but i've not used them in a very long time, avoid them where possible! Unless of course they are offering a good % off your purchase and you can pay the balance at the end of the month (_;)

Thanks again all......

Don't forget your 13 months interest free period, so during that time, keep saving up the cash you would have spent, but you only need to make the minimum repayment each month during those 13 months - leave the rest in the savings account until the end of your interest free period and pay the full accumulated balance off then. Most credit cards allow you to set up a direct debit for just the minimum payment, and then you can change it to start paying off the full balance each month after the interest free period ends.
banned 1 Like #39
bigpappa
I may sound dumb here but 0% interest on all purchases? Does this mean you can buy something and not pay for it for a whole year without any charges?

I dont think anyone has mentioned this but its important to know that, you can use this card or any other CC that offers interest free on purchases for that period without getting charged interest. HOWEVER, u must make the minimum payments every month, regardless.

I.e if you spend say £1000 on the card, you wont get interest on that amount for 12 months, providing that you make the minimum payments every month, which some cards charge a minimum of £25 (virgin, amazon etc) and some charge i think 5% or £5, whichever's greater. So on a £1000 purchase in the first month you would have to pay £50, second month £47.50, third month £45.13 etc.

The best thing to do is set up a direct debit payment which automatically takes the minimum amount form your bank account every month.

Hope this helps.
#40
PoisonJam
Yes, but be careful. They're banking on you not paying it all up by the time the time the interest free period runs out and then slapping a relatively uncompetitive APR on top while you slowly pay it back.

If you are going to get one of these then don't spend more on it than you can afford to have paid back fully within the interest free period or put the money you would have otherwise spent into a savings account instead to earn interest.


This isn't strictly true. All banks get interchange fees from merchants for you making purchases. With Tesco there's an extra incentive for them to be marketing a credit card that you use to make all of your purchases with (even if you never pay them anything in interest). Tesco have the highest spend per card in the industry and that means more profit.

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