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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

No new 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 can help you to find out about the pros and cons of the Clubcard Credit Card credit card. What kind of features do Tesco Bank customers like? Find out more about the Tesco Bank Clubcard Credit Card by reading our trusted Smart Money People reviews. You can also write your own Tesco Bank Clubcard Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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

Earn Points for Shopping

This card allow you to earn Tesco Clubcard points just for shopping which works out very well, especially if you boost the points. Reviewed on: 4th April 2017

Simple customer service. No complaints

Takes awhile to get threw, but are always helpful when I do. Lots of products to choose from. Reviewed on: 4th April 2017

Every Little Helps

It is so convenient to use and as I pay off the balance at the end of the month, it costs me nothing but I earn points for later purchases. Reviewed on: 3rd April 2017

Clubcard points

I put all my spending on my card no matter how small the purchase to maximise my clubcard points. Then each month all my wages stay in the bank and at the end of the month i pay off as much as i can. I never pay interest on my credit cards either if i get to that point i switch to a new 0% card #maxyourmoney Reviewed on: 27th March 2017

A little extra

The clubcard points add up with every transaction and can be saved up and spent in lots of different ways. Great for saving for Christmas. Always remember to pay off in full each month. #MaxYourMoney Reviewed on: 21st March 2017

Club card points bonus

The credit card earns me club card points to spend however I like whenever I buy something. I get a bonus amount on my monthly shop too which gets me even more points Reviewed on: 20th March 2017

Excellent service, customer service is really good and easy to use

I find Tesco clubcard credit card service excellent.. I have never had any issues and find paying extra tonwars sthe balance, easy and straight forward. Reviewed on: 15th March 2017

money grabbing company

bad experience because they are greedy Reviewed on: 12th February 2017

Reliable and secure

Tesco Bank Clubcard Credit Card has been brilliant. They seem to constantly monitor my spending so that if there's any unusual activity, they're onto it. It's always good to know they're on top of things like that. And I earn Clubcard points on my spending too! Reviewed on: 12th February 2017

great

no problems ever - I use the additonal clubcard points towards diy products and white goods to renovate my house Reviewed on: 11th February 2017

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