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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

Use to be great

Clubcard really did reward in the past. I've found that loyalty bonus points are not really handed out anymore, if they are it's not much. 5 years ago, I managed to save my points to take my family on a holiday to Jamaica, that would be impossible now. Reviewed on: 24th December 2016

No problems

I had a credit card with tesco bank and got an offer sent through for 0% purchase card. It was easy to apply for it online and the app on my phone shows both cards separately and is easy to do everyday transactions using it and set up the direct debit Reviewed on: 24th December 2016

Every Little Does Help

Had a Tesco credit card for years and always felt very valued. Able to collect loads of points in store and anywhere when buying. Great to have some rewards when shopping! Reviewed on: 24th December 2016

Credit card

Have used this for 5+years, MasterCard is accepted in many place I visit & have had no issue. Bill paid off by Direct Debt each month Reviewed on: 24th December 2016

Good For Points

I like the fact that I can collect Clubcard points with my spending on my card no matter where I am but my card doesn't really offer me any other incentive/reward for staying with them. Reviewed on: 24th December 2016

Great creditcard

I like the credit card. Interest free on purchases for 22 months is great! I also really like the app and would recommend this to other people. Reviewed on: 21st December 2016

Great collecting clubcard points

clubcard points are great as I use the points for savings on family holidays Reviewed on: 19th December 2016

Better than most banks

I use Tesco credit card and it's very good. It gives longer 0% interest free time than most banks. Reviewed on: 19th December 2016

Love it

I love my tesco clubcard credit card as i gain loads of clubcard points whilst i spend on it, so its great Reviewed on: 19th December 2016

Got a good deal

I use the Tesco clubcard and they are fine, had a good deal with interest free Reviewed on: 16th December 2016

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