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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

OK

The Tesco club card credit card is ok for an emergency and that's about it Reviewed on: 30th November 2016

Clubcard points

My Clubcard credit card is ok and gives double points on shopping Reviewed on: 29th November 2016

Clubcard points

The Tesco Clubcard Credit Card is great because of all the extra clubcard points you get when spending Reviewed on: 28th November 2016

Great Credit Card - no problems!

We hadn't had a credit card before but decided to get one to benefit from the Clubcard points. It was quick and simple to set up, cards came really fast, it is simple to understand the bill and pay via online banking each month. No problems at all and we are earning Clubcard points for all our spending :) Reviewed on: 16th November 2016

great product

Great customer service from Tesco Reviewed on: 6th September 2016

Tesco CC has enabled us to have family holidays in lean times

We both hold tesco credit cards & use them to build up points which we then boost for our ferry journeys to go on holidays in the summer. Tesco CC have been great to deal with whenever we've had any trouble with fraud too. Reviewed on: 6th September 2016

Declined card

Appalling customer service from Tesco banking. Hubby and I visited Cheshire Oaks Outlet. Out of 130 shops, we made purchases in 12. We had dinner the night before and breakfast before shopping. Decided to pop into Bicester outlet on the way home. Shopped in one shop the our card was declined. NO PHONE CALL, NO EMAIL, NO TEXT. We were abandoned in Bicester with no means to buy fuel to get home and no means to buy food for my husband who is insulin dependant diabetic. Unable to speak to customer services as our passwords are locked in the safe at home. Prime example of Tesco looking after their own interests and not caring about their customer. Presently researching to find a card supplier who cares about their customer. Reviewed on: 5th September 2016

Great!!

Great service and credit card and bonus clubcard points too!! Reviewed on: 5th September 2016

Great rate, friendly call centre

Great rate, friendly call centre Reviewed on: 1st August 2016

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Tesco Bank: Clubcard Credit Card reviews

500% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

4

Latest lowest rating:

2

About this product

Tesco Bank Clubcard Credit Card reviews (317)

Read the reviews on trust pilot

OK

Recommended

Clubcard points

Clubcard points

Great Credit Card - no problems!

great product

Tesco CC has enabled us to have family holidays in lean times

Declined card

Great!!

Great rate, friendly call centre

Do you have a different Tesco Bank product?

Want to see more from Tesco Bank?

Current Account

Life Insurance

Instant Access Savings

Join Smart Money People

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