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Tesco Bank: Clubcard Credit Card reviews

Name: Clubcard Credit Card
Rating: 4.14 (317 reviews)

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3.98

Based on 317 reviews, last reviewed 15th Jun 2025

500% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

57%

22%

10%

Latest highest rating:

4

Tesco is hard to beat Never any problems, not a bad word to say Reviewed on: 13th June 2025

Latest lowest rating:

2

Slow very difficult contact when u need help Slow very difficult contact when u need help Reviewed on: 15th June 2025

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About this product

Tesco Bank Clubcard Credit Card reviews (317)

Review of the Tesco Bank, Clubcard Credit Card:

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Absolutely shocking company. I wish I had read these bad reviews years before opening a credit card account with them... Do not even deserve 1 star as others have said. I was in an ongoing complaint about how I had no notification about owing them money. It was a year and 8 months later and I only found out then when there was interest and they had defaulted my account and passed a debt I didn’t know I had onto debt collectors who have been hounding me. After calling Tesco furious and in shock, I was told they tried to send letters to an address I wasn’t at and their process can’t email. How ridiculous that they would let their loyal customers feel like this and put them in a position of financial difficulty. I had to call back several times and was kept waiting and receiving letters from a debt collection service before my complaint had even been resolved!! They did not think to email me on the address held on file in all of that time and instead assumed I was ignoring them, defaulted my account (without me knowing), ruined my credit score and passed my details onto debt collectors! Incompetent staff and managers are none the wiser. I’ve never missed a payment in my life, nor am I irresponsible with my money. The lack of customer empathy and service was disgusting. I expected more from a big company like Tesco. If I had known I had this debt (I paid my last payment and put the credit card to the side - a unauthorised payment came out after without my knowledge) I would have been able to either pay it or query it immediately. However the effort was not made to contact me in an effective way after so long. The call handlers offered no resolution or understanding and I have had to go through a debt company with a damaged credit score because of their lack of service. Did not accept any responsibility or resolve my complaint. As a former employee for a big Successful financial company, I can tell you that this Tesco Bank is extremely poor.. from their policies, to their staff.. Staff need to be trained on people skills, their complaints policies need to be revised and improved and the company needs to read these reviews in order to improve their service otherwise they won’t last long.. Will be taking this to the Ombudsman service and FCA. As a loyal customer, I am absolutely appalled and disgusted by the service I have received today and will never use Tesco Bank again. Reviewed on: 25th June 2020

Great rates and fab benefits

Excellent customer service and its great getting clubcard points when you spend. Reviewed on: 5th June 2019

No fuss credit card

Spend to earn points with Tesco Clubcard Rewards . No card fees to pay whilst you're in credit. Reviewed on: 2nd June 2019

Great

This card offers great rewards and the customer service team have always been very helpful and efficient. Applications are processed very quickly. Reviewed on: 26th May 2019

Tesco Clubcard Credit Card

I love this card as you get clubcard points every time you use it ! Reviewed on: 24th May 2019

Friendly, knowledgeable staff

We have a Tesco Clubcard Credit Card. We have had no issues with this card and chose it because we got 30 months interest free on purchases. We mainly interact with them through online banking but, on the occasion that I have had to call them, I have always been impressed that my phone call has been answered promptly. Also, the I have always found the staff on the phone to be extremely helpful, always managing to solve my query. Reviewed on: 11th May 2019

Full refund when firm went bust

Emoov went into receivership and Tesco Bank refunded my full payment which was brilliant Reviewed on: 10th May 2019

Helped build my credit rating

Very clear interest rates, easy to use, and helped build up my credit score. And with the added bonus of earning extra club Card points! Reviewed on: 8th May 2019

A no-brainer

Shopping at Tesco regularly, this credit card was a no-brainer, linking Clubcard points with purrchases and benefiting me. Reviewed on: 29th April 2019

Not as rewarding as it used to be

Since the reduction in Clubcard rewards, the credit card isn't as rewarding as it used to be for those that pay off the balance in full each month. Reviewed on: 21st April 2019

tesco

I had this card on a long purchasing deal and also collected a lot of clubcard points Reviewed on: 16th April 2019

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