Tesco Bank Clubcard Plus Credit Card Review – 2025

The exclusive Tesco Clubcard Plus member card with 0% purchase interest, FX-free spending, and enhanced reward points.

The Tesco Bank Clubcard Plus Credit Card is designed exclusively for Tesco Clubcard Plus subscribers, offering a combination of interest-free spending, foreign exchange fee waivers, and loyalty point boosts. In a competitive UK credit card market, it stands out for frequent Tesco shoppers who also want a travel-friendly card without sacrificing rewards.

Key Benefits

0% Interest on Purchases for up to 24 Months

Cardholders can spread the cost of large purchases with 0% APR for up to 24 months from account opening. Depending on your credit profile, this may be reduced to 16 or 20 months, but it still ranks among the longest purchase offers in the UK.

FX-Free Overseas Spending

While your Clubcard Plus subscription remains active (£7.99/month), you pay 0% foreign exchange fees on international purchases. This makes it one of the few UK reward cards with true FX-free transactions.

Tesco Clubcard Points Boost

• In Tesco: Earn 1 Clubcard point per £4 spent
• Outside Tesco: Earn 1 point per £8 spent
  These points are added on top of your standard Clubcard earnings, meaning you effectively double-dip on loyalty benefits.

No Additional Annual Fee

The only recurring cost is your Clubcard Plus subscription, which also provides 10% off two big Tesco shops per month and other in-store perks.

How It Works

To qualify, you must be an active Clubcard Plus subscriber. Once approved, your purchases—whether in the UK or abroad—earn points automatically. If you cancel your subscription, you’ll lose FX-free spending and revert to a 2.75% foreign transaction fee.

Comparison Table

Feature	Tesco Clubcard Plus Credit Card	Barclaycard Rewards Card	Halifax Clarity Credit Card
FX Fees	None (while subscribed)	None	None
0% Purchase Interest	Up to 24 months	No	No
Reward Points	Yes (Clubcard points)	No	No
Annual Fee	£7.99/month subscription	£0	£0

Primary Use Cases

1. Frequent Tesco Shoppers – Stack in-store savings with credit card rewards.
2. Holiday Spending – Use abroad without FX charges while still earning points.
3. Large One-Off Purchases – Spread the cost interest-free over up to two years.

Cost–Benefit Analysis

If you spend £500/month in Tesco and £200/month elsewhere, you’ll earn:

• In Tesco: 125 points/month (~£1.25 in vouchers)
• Outside Tesco: 25 points/month (~£0.25 in vouchers)
  That’s £18 annually in points—modest, but the real value comes from FX savings (e.g., £30 saved on £1,200 foreign spend annually) and 0% purchase financing.

Verdict

The Tesco Bank Clubcard Plus Credit Card is best for Clubcard Plus subscribers who:

• Regularly shop at Tesco
• Travel internationally at least once a year
• Plan to use the 0% purchase window strategically

For those who only want reward points without paying a subscription, the free Tesco Bank Purchases Credit Card might be a better fit.Continue to Page 2 for a detailed usage guide, advanced tips for maximising points, and a comparison of alternative FX-free credit cards available in the UK.