Found 28th Feb 2007
Tescos Clubcard Credit Card

It offers 0% on balance transfers and purchases for 9 months

0% for 12 months on all tescos purchases

gain clubcard points where ever you use the credit card which can mean money off your tescos shopping

i just applied for it online and it was very easy to do.

2% balance transfer fee payable

5 points for every £4 you spend at Tesco or Tesco.com and 1 point for every £4 you spend everywhere else!

- dinosteveus
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Welcome to HUKD and thanks for the post/deal
It may be 0% on Balance Transfers but 2% balance transfer fee payable
I have a Tesco Credit Card and it's no big deal to be honest. Tesco clubcard deals are pretty naff now, imo.
I prefer my Smile Credit Card because I get cashback.

Here is a link because yours did not work:-
The very best of CC deals can be found here:


Excellent site and always bang up to date. Lets you know at a glance all the goodies you can get with the card, as used by the Dino.
I have one of the old tesco credit cards and the deals are in no way 'naff' - they are brilliant. Ok so you are probably only really getting 75-80% value out of the 4x clubcard value but that is still brilliant.

Taking into account 80% value I get 1.6% cashback in deals from my tesco cc - show me a credit card which offers a better permanent offer than this.....?

However, the new credit card quite a bit worse compared to the old one.

Deals - goldsmiths, hotels, flights, holidays, days out, motoring, eating out, mfi (what more could you ask for?)
I'm not that impressed with the Tesco Credit Card. The 1 point for every £4 you spend everywhere else is a joke! There are better cards offering new customers similar 0% on balance transfers and purchases, etc.

Now if you pay your balance by the due date every month and don't need a balance transfer, surely a Cashback Card such as Morgan Stanley paying 3% for new customers for the first 3 months up to the first £2000 and 0.5% Cashback for the remaining purchases is a much better deal. After every 12 months you get the standard 1% Cashback Bonus award for the first £2,000 of Purchases than the 0.5% Cashback there after.

Want to know more: ][color=navy]morganstanleycard.co.uk[/COLOR]

The Tesco card is above average and is at it's best when used at Tesco. If you spend a lot at Tesco then it may be worth having their card but outside of the store, definitely not. The 0% for 12 months on all Tesco purchases will attract a few but make sure you can cover it by the due date or you will pay dearly.

The very best of CC deals can be found here:Fool.co.ukExcellent site and … The very best of CC deals can be found here:Fool.co.ukExcellent site and always bang up to date. Lets you know at a glance all the goodies you can get with the card, as used by the Dino.

Unfortunately, Fool.co.uk currently have not listed many important reward Credit Cards such as Morgan Stanley, M&S & More, Sony to name a few, so I don't believe the very best of CC deals can be found here and do not recommend this sight for comparisons.

I guess Fool.co.uk receive commission from the Credit Card Companies they advertise, hence the limited showcase.
I used to work for the RBS call centre in Manchester. They run Tesco's CC's for them.

The old Tesco cards were great - basically doubling your club card points. The new ones are rubbish, and RBS are a horrible, horrible bank. Their refund policy is nasty to say the least and they are really disorganised.

What they were thinking of introducing just as I left (last september) was a pilot 'buy now pay later' scheme with the cards in some stores. I don't know if they ever got around to it, but the basic system would be that you could elect to purchase certain items from Tesco (tellys, washing machines, etc.) and they'd give you a choice of 6, 12 or 18 months entirely interest free. It would then go onto your card as a balance. Not a bad idea if you are really careful with your cards. I guess it'll still be going ahead and I imagine will probably come into effect some time this year.

But yeah, I wouldn't get one, because the support behind them is really bad.

If you do want one or already have one and are charged a late fee or anything, the policy for refunds is to state that they're doing it as a 'gesture of good will'. So if you get charged, phone up and state that you were told it would be refunded as a gesture of good will, they'll refund it under the assumption that you've already been told the refund would be applied.
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