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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

Clubcard points bonuses

I like using the Tesco credit card for the extra club card points I gain when shopping Reviewed on: 15th December 2016

Fine

I use a Tesco CC and it's fine. I pay off monthly, so never have any issues or concerns about APR etc. Reviewed on: 13th December 2016

Pay it off and it's amazing

The Tesco Mastercard is amazing as long as you pay off the full balance each month so no interest charged. No fees and I collect extra clubcard points to get free days out! Reviewed on: 12th December 2016

Charges

They charged me £12 for being 1 day late when I owed them £3 - poor Reviewed on: 9th December 2016

useful for club card points

I use my Tesco Club card Credit card for my food shopping as I get more points. I pay it off in full each month, but I might as well get more more points. Reviewed on: 9th December 2016

Every little helps!

I collect points where ever I shop which I convert for to use on club card deals and in some cases you can get three or four times it value Reviewed on: 7th December 2016

Great points scheme

I like that I can collect points when i use it which is nice to save up for treats such as meals out and magazine subscriptions. Reviewed on: 6th December 2016

Used to be good

Used to be a good credit card, but now they have decreased the number of clubcards points it's just OK Reviewed on: 2nd December 2016

Perks?

it’s OK - I pay it off every month, so I don't know about the interest or any perks, other than the Clubcard Points. Reviewed on: 1st December 2016

Great!

0% on balance transfers 23 months interest free! Apple Pay compatible & I collect club card points and Save themfor Christmas Reviewed on: 30th November 2016

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