Breaking: Tesco to halve earning rate on Tesco Clubcard MasterCard

Comments

2. Nick says:

   2 September 2015 at 16:11

   Sadly, the Lloyds referral programme is entirely a work of fiction. I’ve tried it 7 times, it has never worked.

   • Head for Points says:

     2 September 2015 at 17:49

     Works fine UNLESS the person you are referring is a Lloyds customer, ex or present – in which case the referral does not get sent. They also take 5 days to send out the emails.

     • petewally1976 says:

       3 September 2015 at 11:19

       I’m not sure this is right Raffles…I’m a Lloyds customer and received your referral. I had to chase the 4,500 point bonus but got it in the end.

       Also, I believe if you have a Club Lloyds account, the annual fee for this card is reduced to £12 instead of £24 although they’ve charged me £24 and I’m yet to chase them up on it.

       For anyone who doesn’t know, Club Lloyds is well worth having as a savings account as it pays 4% gross interest on balances of £4k to £5k plus either a free magazine subscription, gourmet club membership or 6 Vue cinema tickets plus access to a 4% regular saver account. Need to make sure you pay in £1.5k a month. My wife has one and we have a joint one with a standing order to transfer £1.5k each way on the same day each month and we get a magazine sub with the one account and Gourmet club with the other (the latter I don’t really rate though!). I could also get one myself but as a higher rate taxpayer the rate’s not so good (still pretty good though!).
4. Danksy says:

   2 September 2015 at 18:05

   Goodbye Tesco Mastercard!

   • cheekychappi says:

     2 September 2015 at 18:16

     Goodbye extra petrol points for nothing when Tesco MC used as a clubcard!

     • Danksy says:

       3 September 2015 at 05:58

       I kissed goodbye to those when I got an electric car!
   • mark2 says:

     2 September 2015 at 19:13

     Goodbye FuelSave more serious!

     • cheekychappi says:

       2 September 2015 at 19:24

       I know people with time on their hands who haven’t paid for petrol/ diesel for a year…@ Morrisons…http://www.morrisonsfuelsaver.co.uk/gift-card-partners

       Getting awfully close to £1000 of giftcards = free fuel

       • cheekychappi says:

         2 September 2015 at 19:25

         Instant maths correction – add on the Amex points and it’s already £1000 = free

         • Jason says:

           2 September 2015 at 20:01

           I preferred the points, plus fuelsave, with pay.com, but £1000 a month on pay.coms will be coming morrisons way if I can find a convenient store to buy them and fill up.
         • Head for Points says:

           2 September 2015 at 22:49

           Of course you can avoid filling up – didn’t you read my Management Today piece this month?!
         • cheekychappi says:

           2 September 2015 at 23:05

           http://www.managementtoday.co.uk/news/1360700/execs-cars/

           I read it & very nice it was too 🙂

           Need a car round here, running 5 currently, not so bad as 3 of them are worthless! Badass 4WD, old Volvo. old BMW? All worthless, cheap to insure.

           Wife has a nice company Audi, I drive a 4YO BMW for daily stuff, nothing like as expensive as the article might make us fear.

           So – for the first 3 the depreciation has gone away & insurance all in is about £500. My car is depreciating @ £1500 pa (this year) plus insurance £250. Hers – forget the depreciation as not our cost, no free petrol so not a tax cost, but I guess it eats into her income tax etc so net cost not far north of £1500.

           Overall £3500 pa or so, will decrease. How does your taxi fare etc compare?
         • cheekychappi says:

           2 September 2015 at 23:18

           I suppose they cost a few quid to maintain
6. Andrew says:

   2 September 2015 at 19:17

   Does anyone know whether HSBC premier would match an account for a customer with a Natwest Black account…..? Could do with this premier master card paying avios, not sure what the HSBC premier benefits are though? Natwest black is a pretty strong set of benefits

   • Head for Points says:

     2 September 2015 at 21:07

     You either meet the criteria or you don’t unless you work for them or can show you are on a strong career trajectory. Premier is free so is actually a better proposition than Black unless you get your moneys-worth from the NW benefits.
8. Saf says:

   3 September 2015 at 04:00

   I have started to use USA credit cards for all my spending, even in the UK; much better sign up bonuses and most don’t charge any foreign transaction fees. I tent to receive 1.5 avios points per $ spent.

   • Danksy says:

     3 September 2015 at 06:04

     I was thinking about this, I presume you have a U.S. Address too?
   • Stuart McIntyre says:

     3 September 2015 at 06:57

     I have a US address I can use, but don’t you need a US SS number too? I’m guessing that would be the biggest hurdle?