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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

200% increase in 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 (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

Great helping hand

Great help in time of need. The discounts enjoyed on selected items are also very useful Reviewed on: 8th July 2022

Perfect and they listen

Having their Mastercard is very useful, and sometimes they do interest free transfers to your bank or wherever your account is, and that helps a lot when you need a little help. Besides the things mentioned I have never had any trouble with Tesco Bank, and I've been with them for a number of years and have never had reason to complain, add on the fact they are always polite and put you at ease when helping you they have never failed to deal with what I've phoned them about, if all banks were like Tesco that side of life would be so easy. A added bonus is the Clubcard points are a bonus because you get points whenever and whereever you use your Mastercard. Reviewed on: 27th June 2022

Excellent service plus clubcard points

Excellent customer service. Plus you can earn clubcard points whenever you use the card. Reviewed on: 4th April 2022

Great service

Always respond quickly and helpful always with any queries Reviewed on: 5th August 2021

Considerate and supportive

Great value and incredibly considerate and supportive when in times of need. Reviewed on: 14th June 2021

Super helpful staff

The staff are always super helpful when you phone, plus I got a long intro offer. Reviewed on: 13th April 2021

Knowledgeable helpful informative

Always found my interactions with this credit card company as a real pleasure. Excellent and honest opinions. Reviewed on: 7th April 2021

Very pleased!

A very good card and I recommend it with confidence Reviewed on: 24th February 2021

Save money with points

I really love Tesco credit card rewards as I get more clubcard point if use the card for monthly expense like travelcards. I’m not keen on the new bright blue design but hopefully they’ll change it in a couple of years. Reviewed on: 17th February 2021

Great

Easy - great app and you earn points as you spend Reviewed on: 15th February 2021

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