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Tesco again imposing the 30,000 points (72,000 Avios) per quarter cap on Clubcard earning

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About four years ago, Tesco changed the rules of the Clubcard scheme.  A cap was brought in, with the maximum number of points you could earn per quarter capped at 30,000 (so 72,000 Avios or 75,000 Flying Club miles).

This cap was rarely enforced. Everyone assumed that Tesco had brought it in to cover its back if it discovered abuse of the scheme, so that it could strip people of points if it wanted.  There is also an exception for people who earn points from Tesco Bank.

About two years ago, Tesco did have a period where it began to randomly enforce the rule.  A number of people reported having their balances reduced to exactly 30,000 points and receiving just £300 of vouchers.

Tesco Clubcard

It all went quiet again.

Frankly, for the last year, it has been very difficult to earn more than 30,000 points per quarter.  However, the emergence of virtual Visa cards – which I described in detail here – means that it is suddenly something that a lot of people could achieve relatively easily.

Last week I had a worrying email from reader Simon.

Simon had a substantial VAT bill to pay – almost £20,000. cards were freely available where he lived, and he bought as many as he could over the last few weeks.  He ended up with 65,000 Clubcard points.

Just a few days before balances were zeroed out last week, he noticed that his balance had dropped to exactly 30,000 points.

When he rang Tesco to ask what had happened, he was informed that Tesco was imposing the 30,000 points per quarter cap that was outlined in the terms and conditions for the Clubcard scheme (clause 24 if you want to look it up).  It was not willing to give him any further information.

There is very little that Simon can do.  The rules are the rules.  It is difficult to claim he was ‘abusing’ the scheme – buying the cards meant that he could pay his VAT bill with a credit card whilst avoiding the HMRC 1.4% surcharge, which seems a good enough reason to buy the cards.  Unfortunately, he has fallen foul of Tesco’s ‘catch all’ rule to weed out what it sees as bad behaviour.

British Airways BA Amex American Express

How to earn Avios from UK credit cards (September 2021)

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

There are two official British Airways American Express cards. Both have increased sign-up bonuses until 2nd November 2021:

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up, no annual fee and an Economy 241 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

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

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points and an unbeatable set of travel benefits – for a fee Read our full review

The 30,000 points bonus on Amex Gold runs to 9th November 2021. The 60,000 points bonus on The Platinum Card runs to 2nd November 2021.

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:

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company 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. This card has a limited time offer of 60,000 Avios when you sign up:

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

60,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios 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.

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

Comments (157)

  • Andy says:

    All check the terms and conditions

  • Tilly71 says:

    1000 points for £60 Wine Spend @ Tesco Wine and valid on sale wine. Code works for new and existing customers – XXHTYA (code available for 5000 people)

    • square2 says:


      out in our place

    • Marco says:

      Code worked for me – thanks for sharing it!

    • Simon H says:

      Many thanks indeed Tilly71 for that code!

      We’ve been buying the ‘Quirky Bird Shiraz’ from our local Tesco Express so just ordered 12 bottles (£5.49 each so £65.88) so bagged the 1000 points plus no delivery charge either.

    • Rob says:

      Thank you !

    • Liz says:

      Thanks Tilly – been waiting for one of these for ages! 3 orders done and dusted with 3000 clubcard points!

    • Fenny says:

      Ta. I was down to my last half a dozen or so cases!

    • Guy says:

      Tilly, Thanks for that! Just nabbed 1000pts!

  • Oliver says:

    Hello all!

    Slough has non and did not have empty racks so unless someone bought them before me and I got there at around 16:00.

    Does anyone know if there is any around the Leeda area?

  • barnaby100 says:

    There is no limit on how many tesco club cards you can have. I had 5. last year I tried to cut them down a bit. Customer services were very helpful. I still have 3- all registered to my name and address but different email addresses. never had any issues. Used to transfer from 1 to BA and from 2 to virgin. Each period 2 different transfers show on 1 virgin account.

    • square2 says:

      It’s not the number of clubcards you hold that’s the issue.

      What they are not so keen on is people opening multiple accounts to use the £15 off £60 offer.

  • square2 says:

    it does give you a warm ‘avios for nothing’ feeling, though 🙂

    Are you a Premium member, Brian?

    I am & get a 5% bonus on my payout in Avios, so something less than 1p/ Avios for me.

    • square2 says:

      You’re right. I save a lot more than the £5 charge pretty much every month by being a premium member, so worth it for me

  • Dave says:

    I don’t want to raise any false hopes, but this happened to be a few years ago (I too had 60k+ points) and when I phoned to complain, they explained that they had reduced the balance to 30,000 (in accordance with the T&Cs) but the missing points would be added back in after the statements had been produced. And they were!

    Since then, I have had quarters where I have gone over the 30,000 limit and received the full allocation and having just checked, I also had points taken off on 22/7 ahead of the statement run.

    Fingers crossed that they will put our missing points back on in a few days time. If not, I’ll be on the phone chasing the missing points.

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