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Tesco Bank: Clubcard Credit Card 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
No new 1 star reviews
in the past 90 days
See only 5 star reviews
57%
See only 4 star reviews
22%
See only 3 star reviews
9%
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2%
See only 1 star reviews
10%

Latest highest rating:

4

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

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
Sharon 's avatar
Sharon
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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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1
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
Mk's avatar
Mk

They cancelled my card with no warning - as an "industry wide prevention measure"

2
I actually can't believe this just happened. I have had a Tesco credit card for many years. Usually if they think there has been fraudulent activity, they ring you to confirm your transactions. Today I received a text stating my card had been cancelled due to an "industry wide fraud prevention measure". I phoned them to confirm, and they said that it was correct, and a large amount of people have been affected. The new card will come in 9 working days!!!! This is so inconvenient - I am going abroad next week - I was planning on using my credit card, as I don't like carrying large amounts of cash with me. I am so mad about this. They are not even giving a proper reason why so many people have been affected. Ive had credit cards for over twenty years, and never been in such a mess :( Reviewed on: 6th December 2017
Anonymous's avatar
Anonymous

Not a great start

1
Applied for the account over 2 weeks ago, still waiting for my card. Lots of confusion & not a great deal of help. Fingers crossed it gets better from here! Reviewed on: 1st December 2017
Michael Harris's avatar
Michael Harris

no loyalty

1
I have had a tesco credit card for 14 years. I have spent over £740,000 on that card. I was 6 days late paying and have been charges £70 interest and £12 late payment fee. They are venal, smug and immoral, and from now On I will never, ever transact with tesco again Reviewed on: 21st November 2017
tom ryves's avatar
tom ryves

no loyalty

1
I have had a tesco credit card for 14 years. I have spent over £740,000 on that card. I was 6 days late paying and have been charges £70 interest and £12 late payment fee. They are venal, smug and immoral, and from now On I will never, ever transact with tesco again. Reviewed on: 21st November 2017
tom ryves's avatar
tom ryves

Does what is says on the tin

5
Good product, points accumulation a bonus. Efficient customer service especially with issues of fraud Reviewed on: 20th November 2017
ailsa sheldon's avatar
ailsa sheldon

Great Card Extra Points

5
I initially took out my CC to help my credit rating (buying a house), never had a problem with my card and they always have great offers to help save me money (0% transfers) and then I get bonus points too. Thank you - 12 years a customer Reviewed on: 8th November 2017
Georgina Clutten's avatar
Georgina Clutten

Earn Rewards on the everyday

5
Do you need a credit card and want it to earn for your spends too? Then get a Tesco clubcard credit card. I always pay my bill in full each month so love to have a credit card that earns me a reward on my spends that is relevant to my everyday life. I can spend these rewards in store on food, or online or with other linked brands. It's a great reward that accumulates and is a lovely bonus at Christmas should you save them up but they can be used all year. Fair credit limits and online statements so paperless. No issues. Reviewed on: 7th November 2017
Francesca Frags Jones's avatar
Francesca Frags Jones

Excellence

5
After coming across the offer for the card I ultimately received, I was amazed at how quick the process was to apply and whether I was accepted or not, the decision took only a couple of minutes. No waiting around and pondering. The rate given was great, customer service has been brilliant and I couldn't be happier. I get notifications when bills are ready and using the app is very quick and easy. A recommended company from myself. Reviewed on: 27th September 2017
Allan Kimuli's avatar
Allan Kimuli

Easy to use and Clubcard points too!

5
I signed up for this credit card because it was 0% interest for a long time. A credit card is a credit card usually - there's not much difference but at least if I had to be in debt, I was getting some Clubcard points to spend in Tesco. Additionally, the account was extremely easy to maintain online, which made a difference if I ever wanted to make extra payments or do any other account maintenance. Reviewed on: 27th September 2017
Clare Gorst's avatar
Clare Gorst

Check the small print

1
We have had a Tesco Credit Card for years. We tried to claim from them as we believed our purchases were covered for 90 days.... Apparently not the case, so check the small print and if this feature is important to you don't use Tesco. Reviewed on: 15th September 2017
Scally Wag's avatar
Scally Wag

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