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Tesco Visa gift cards DO now qualify for 150 bonus Clubcard points on £50 spend

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For a surprisingly long time now (over six months) Tesco has been offering 150 bonus Clubcard points when you spend £50 on gift cards in-store.

Here is the Tesco webpage which outlines the deal and here is one of my earlier articles on it.

There were two exceptions to which gift cards counted for this promotion. You were not allowed to buy Tesco gift cards (makes sense!) and you were not allowed to buy Visa debit cards.

Tesco has now changed the rules. The Visa debit cards DO now count for the 150 bonus Clubcard points bonus.

In-store signage has not been changed so you will still see notices showing that they do not count. However, it is on the Tesco web site. Go here and scroll down to the section on Visa gift cards, and you will see:

Do I get Clubcard points when I buy a Visa Gift Card?

If you’re a Clubcard customer, you’ll earn 150 Clubcard points for every £50 you spend in a single transaction on Branded Gift Cards (including the Visa branded Cards) at the time of purchase.

I have done a test purchase this morning at Canary Wharf and can confirm that it works. 150 Clubcard points were showing on my receipt.

Visa gift cards come with a huge list of terms, conditions and fees. However, there are only four things you need to know:

A £25 card carries a £2.95 fee, a £50 card carries a £3.95 fee

Tesco limits you to £2,000 of purchases per year (not sure how this is tracked) and 5 cards per transaction

You need to register the card before you can use online or by phone, presumably to put a name on file to match up with the card details the retailer enters, but for face to face transactions it can be used immediately. (When you have registered one card, adding additional cards is very quick and painless.)

It is treated as a debit card when you use it

1 hour after buying a £50 card, I was able to use it to pay £50 off my tax bill and it was treated as a debit card with no fee.

How can I benefit from this?

Let’s assume that you have payments for which debit cards are accepted but credit cards or Amex cards are not.

When you buy a £50 Visa debit card, the maths looks like this:

Fee paid: £3.95

Avios points earned from Tesco: 150 Clubcard points = 360 Avios

Avios points earned from BA Premium Plus (as eg): £54 spend = 81 Avios

Total Avios points earned = 441 Avios, or 0.895p per Avios

This is not a bad deal. However, there is an extra benefit – you can use it to put additional spend through whatever American Express card you use in Tesco, which may help you hit a target for a sign-up bonus.

You would also get an even better deal if you saved the Clubcard vouchers for an Avios (or indeed Virgin Flying Club) conversion promotion.

There may be a better deal as well!

Reader Andrew emailed me to say that Tesco is now selling a different sort of Visa gift card. This one is designed exclusively for online shopping.

The pack contains an authorisation number which you input into a website after purchase. You then receive a ‘virtual’ credit card number which can be used online.

Andrew says that these cards do NOT come with a purchase fee! A £25 Visa debit card costs just £25, which you can pay with your Amex in Tesco! He said that he had managed to successfully pay part of his council tax bill online using one.

I have tried to track down one of these ‘virtual’ cards to test it, but I can’t find them. However, I have only been in a couple of Metro stores. Keep an eye out for these ‘virtual’ gift cards next time you are in Tesco.


How to earn Avios from UK credit cards (March 2023)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

SPECIAL OFFER: Successfully apply for either of the Barclaycard Avios credit cards by 2nd April 2023 and you will be entered into a free draw to win ONE MILLION AVIOS! Full details are on the application forms here (free) and here (paid). This competition is exclusive to Head for Points readers. T&C apply.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £12,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points.

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

30,000 points and unbeatable travel benefits – for a fee Read our full review

Run your own business?

We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

Until 30th March 2023, the sign up bonus on American Express Business Platinum is increased to 120,000 Membership Rewards points – click here. The bonus on American Express Business Gold is increased to 60,000 Membership Rewards points – click here. T&C apply, see the application forms for details.

American Express Business Platinum

Crazy 120,000 points bonus (to 30th March) and a £200 Amex Travel credit every year Read our full review

American Express Business Gold

60,000 points sign-up bonus (to 30th March) and free for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (134)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • ComeFlyWithMe123 says:

    If you don’t have council tax bills to pay, you can play about with the fees to get a good pence per avios ratio

    The maximum that 1 prepay number can hold is £1000. Assuming you get your hands on the £50 cards, that’s 20 cards.

    It costs £1.75 each to transfer a balance – 19 balances = £33.25
    It costs £3.50 to transfer to your bank account = £3.50
    Total expenditure = £36.75

    You can lower your expenditure if you have the £5 off £40 spend voucher.

    Using your Amex Gold to pay for vouchers (double points 1st year) = 2000 MR / avios
    Clubcard points 3000 – converted at usual rate (£2.50 – 600avios) = 7200 avios
    Total Avios = 9200

    3675 / 9200 = 0.40 pence per avios which isn’t bad as you are also spending to hit 2-4-1 (in my case)

    I hope my maths is correct!

    • Rasper says:

      As the 3V’s available if £50 denominations? I thought they’re only in 25’s. That would change it to (1.75×39)+3.5= 71.75

      71.75/9200 would give 0.78p/avios. Not bad though.

      But there is a 650 redemption limit in 1 year, unless they further verfiy you’re ID, but they don’t stipulate how

    • Rob says:

      Ironically, I did an almost identical calculation this morning for a post tomorrow.

      Although I don’t think there is much more to say tomorrow that is new! I will summarise it all for the 950 email readers and the RSS people who never see the comments, though.

  • Steve says:

    Does anyone know if you can use the Visa Debit cards to pay for your shopping in Tesco?
    ie 150 avios for the card + 100 avios for the actual spend + 50 clubcard points for spending in store?

    • Steve says:

      Edit: meant to say 150 cc points + 100 avios for spend + 50 cc points

      • Rasper says:

        I don’t see why not. 150 points for buying the card, the another 50 when spending it on groceries instore, or on petrol (if you’re using a tesco cc as a clubcard)

        The would have to be the visa branded giftcard though, and the only extra clubcard points are the 150 for buying the card, which cost £3.95 (you were going to get 50 for shopping there anyway) so 1.1p per avios.

  • sandgrounder says:

    I’ve bought the last two on the shelf from my local Tesco this evening and paid £50.00 to HMRC. I will try to get hold of a few more before the inevitable shutdown happens!

    Has anyone got the bottle to overpay HMRC by a daft amount and then have the funds repaid to their current account? 🙂

  • Squillion says:

    I think I’ve re-discovered my mojo 😉

    This is great. Chasing round the countryside grabbing the cards – just like the old days.

    And the best thing is the staff are all smiley this time.

  • Iain Beale says:

    HUGE stack of them in my local tesco. Got £150 worth and used a £5 off voucher too. Paid off some of my council tax with them. My councils website doesn’t seem to allow pasting into fields or remembering anything I’ve typed in before so it’s a bit of a faff. It might just be me being thick though.

  • Anon says:

    Funny how you forgot this Raffles. There were comments about using 3v cards on one of your previous giftcards posts. You even talked about them on PTS. 😉

    For what it’s worth you’ve been able to get points on these since the promotion started even if it was against Tesco’s T&Cs.

    I’ve been using them on my Sky and Water bills no problem.

    • Rob says:

      Truth is that I had never seen one.

      The post today was meant to about the fact that the Visa cards with the fee now counted for the 150 points promo. That was new news, at least to me, and was meant to be the focus of todays post.

      I only mentioned in passing that someone had mentioned the virtual cards again.

      It was purely by chance that I passed Covent Garden Metro last night, popped in on the off chance and found the 3V cards for the first time.

  • Louie says:

    Can someone explain to me how 3V make money on these cards?

    • Rob says:

      1. £2 per month fee from month 9
      2. They keep ALL the money on your card after 12 months
      3. Fees for combining cards (£1.75) and withdrawing to bank (£3.50)

      • Rasper says:

        I think they must be targetted towards people who wouldn’t normally get a visa to do online purchases. It strikes me that the main income for the company make money on the fee to join up cards to make large purchases, and on weird funny numerical balances that people forget about after 9 months.

        I can confirm the 3v is good for amazon gift certificates, so if you have some money left on a 3v that you’ll forget, or is too small to purchase something you would want to buy online, as long as you have over 10p convert it to amazon.
        Also if you were planning a big spend on amazon it’s a nice way to earn cc points.

        Raffles, seeing as today’s theme was the branded visa, not the 3v, did you buy any branded ones yet? And have you found any imaginative uses for them?

        • Rob says:

          The branded ones worked fine to HMRC, didn’t try paying my card bill. These are theoretically ‘proper’ debit cards so may be more flexible. Not super cheap Avios, though, due to the £3.95 per £50 fee, for 360 Avios plus whatever your credit card earns.

      • Squillion says:

        I think 3V will also make a % when the cards are used for purchases from retailers.

  • Trevor says:

    I’d heard about the V3 cards before, either here or elsewhere, but never used them. Bought a single £25 card today though and tested successfully on council tax bill. So went back to buy 4 more (pity they are only in denominations of £25), got 300 CC points, and all has gone smoothly – great! Just a shame I hadn’t used for council tax and hence to get spend through on Amex cards previously, or used to keep topping up my prepaid credit card I’ve just spent a bundle on while away. Oh well, can’t know all the tricks from the start, but I’ll certainly be using these free 3V cards in the future as a when I can.

    • What's the Point says:

      I used the £12 off voucher when you spend £80 or more – bought some shopping and £100 worth of the Visa Gift Cards. So more than covered the cost of the card issue fees. It didn’t scan, so the staff member just typed in the £12 off.
      I also put a deposit down for the new Call of Duty Ghosts game (£5 and got 500 points for my troubles!) I wonder if I kept going back and paying £5 I would keep getting 500 CC points? There didn’t appear to be any T&Cs saying I couldn’t. On the pre-order coupon it doesn’t look like I actually have to go and buy the game to keep the 500 points. So 5 quid gets you you 505 CC points = 1,200 Avios = 0.42 pence per point!

      • Rob says:

        Post on Call of Duty tomorrow. Don’t buy more than 1 of each (Xbox, PS3) for safety.

        • What's the Point says:

          Raffles – I look forward to your thoughts on the matter!
          Thanks for all the other tips and hints by the way, Virgin Upper Class here we come (well maybe sometime in 2014…)

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