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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

a good way to spend

I dont earn much, but with my tesco bank clubcard i can earn rewards throughout the year. I usually do my daily spending using the card and exchange my points with the tesco bonus and buy a years RAC membership. Reviewed on: 24th December 2015

points booster

Its a great product if you are very loyal to Tesco. Only this way you can take full advantage of the program. I find Tesco clubcard scheme of of the best rewarding and generous. I have had meals, days out for free after converting tesco points. The credit card application process is easy and straightforward and you use the card in a way you would use any other card. Reviewed on: 24th December 2015

Great bonus points

Tesco clubcard gives you hreat bonus points which amount to great free products Reviewed on: 11th November 2015

Great card for 1st 17 months

Great card for 1st 17 months, however when the interest kicked in it was very high Reviewed on: 6th November 2015

Good and Great

great for club points club card Really good credit card. I have never had any problems with it and it gives you clubcard points Reviewed on: 5th November 2015

Great way to earn extra money.

I have had a Tesco Bank credit card linked to my club card account for many years and have found it a great way of saving. I use it for most every day purchases and set up a direct debit to clear the balance, every month, so as not to incur charges. I use the points gained every year with a combination of Tescos deals to buy yearly vehicle breakdown cover for my family. This gives me peace of mind and doesn't actually cost me any money. I feel it's a win, win situation. I have found Tesco customer service to be extremely good as well. Reviewed on: 1st September 2015

great for club points

Have not had any problems with this card and it gives clubcard points on your spending Reviewed on: 31st August 2015

very good

Really good credit card. I have never had any problems with it and it gives you clubcard points Reviewed on: 28th August 2015

Very helpful and informative

I took out Tesco Clubcard Credit Card in order to do a balance transfer. The process was quick and straight forward. Tesco were prompt in sending out the relevant documents and opening the card. Once activated the balance transfer went straight through and took less then 2 working days. They transferred more than was needed (this was my error not theirs) I rang them up and they were helpful and polite. They provided a number of solutions and were very happy to help. Overall I have been very impressed with Tesco. Reviewed on: 26th August 2015

Clubcard points are the only thing keeping me.

We've had a Tesco Clubcard Credit card for a number of years now. The credit card itself is the same as every other credit card. Online banking, mobile apps and call centres that are difficult to get through to. The only bonus of this card compared to others are the clubcard points. Reviewed on: 26th August 2015

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