Is the new Tesco Clubcard Plus credit card, which earns Avios, worth a look?

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

This is our review of the new Tesco Clubcard Plus credit card.  Does it have anything new to offer?

Last November, Tesco launched its new subscription-based Clubcard Plus proposition.  The idea is that, for a monthly fee of £7.99, you get a range of benefits on Tesco products.

Tesco Clubcard Plus credit card review

Here is what you get for your money:

10% off two monthly shops, up to £200 each (INSTORE ONLY)

10% off F&F, Fred & Flo, Go Cook, Fox & Ivy, Tesco Pet and Carousel brands all year round

Double data on your Tesco mobile contract

Exclusive access to a Tesco Bank card with 0% foreign transaction fees

These are on top of the usual benefits you’d get from a ‘standard’ Clubcard, including points earning and spending.

The response to date from the public seems to have been muted, to say the least.

Whether these benefits are worth the £7.99 a month you are paying depends on your personal shopping habits. If you spend £100 on groceries every fortnight in a single shop, you would save £20 per month. That would mean, disregarding all the other benefits, that you were saving £12 a month.

The problem is that many of us are moving away from big weekly or monthly shops, choosing to nip around to the local shop more often to buy fresh produce.  There is no simple answer, so you will have to work out yourself if you will save any money upgrading yourself to Clubcard Plus.

The inability to claim the discount on deliveries is also odd.

Is the Tesco Clubcard Plus credit card any good?

Whilst Clubcard Plus launched in November, the credit card only launched this month.  It looks like this:

Tesco Clubcard Plus credit card review

Here is a summary of the benefits:

No annual fee

No foreign exchange fees

0% interest on purchases for 12, 15 or 18 months depending on status

Earn 1 Clubcard point for every £8 you spend (1 per £4 in Tesco)

Representative interest rate on purchases 19.9% variable

There is NO sign-up bonus.

On the face of it, these benefits are not bad.  The problem is this – they are nowhere good enough, on their own, to justify paying £7.99 per month for Clubcard Plus.

I would go further, in fact, and say that this credit card should play no part in your decision on whether to get Clubcard Plus or not.

The Clubcard earning rate on this card is the same as the rate on the free Tesco credit card.  At 0.125 Clubcard points per £1, you would get 0.3 Avios or 0.312 Virgin Flying Club miles per £1.  It’s not great, but the ability to use your vouchers for other Clubcard deals if you change your mind about Avios or Virgin miles is a strong plus point.

However, if you want a Tesco credit card, you can get the free one which has the same earning rate – there is no need to join Clubcard Plus.

Similarly, there are no shortage of free credit cards offering 0% foreign exchange fees.

There is one genuine benefit.  As well as 0% FX fees, you will also earn Clubcard points on your foreign spend.  This means that it is the only personal credit card which lets you earn Avios on foreign spend whilst paying 0% FX fees.  The Avios rate is so low, however, that you could never justify the £7.99 fee just for this.


Tesco Clubcard Plus is a bit of a missed opportunity and, for Tesco, possibly a mistake.

If you spend £80 or more across no more than two in-store shopping trips per month, it makes sense to join – but does it make sense for Tesco to give you a big discount, whilst also alienating online customers?

For everyone else, the additional benefits – such as this credit card – are so weak that signing up makes no sense.  This isn’t Amazon Prime, by a long way

If you have got Clubcard Plus already and spend a lot of money outside the UK, it may be worth adding this card in order to earn Avios whilst racking up 0% FX fees.  Assuming you already have a 0% FX fees card without rewards, however, I doubt the benefits make it worth adding yet another card to your life.  If you had £5,000 of foreign spend per year you would earn just 1,500 Avios, which is hardly worth the effort of applying.

You can apply for the card on the Tesco Bank website here.

PS.  If you missed it, you should take a look at our recent article on 10 good reasons to get the standard Tesco Clubcard Mastercard credit card.

Is Capital On Tap Business Rewards (15,000 Avios bonus) or BA Accelerating Business Amex the best SME credit card?
Revolut is offering free airport lounge access if your flight is delayed!

Click here to join the 15,000 people on our email list and receive the latest Avios, miles and points news by 6am.

Amazon ad
About Head for Points

We help business and leisure travellers maximise their Avios, frequent flyer miles and hotel loyalty points. Visit every day for three new articles or sign up for our FREE emails via this page or the box to your right.


  1. Clubcard plus, really, just really? I’m not sure who dreamed this up but I can’t see it being successful. Personally I actively avoid Tesco and haven’t been in one for years and genuinely have no idea who the target audience for this actually is.

    • Perhaps people who spend £60 to £250 a month in Tesco might be persuaded to increase the amount they spend, on stuff that earns Tesco a bigger margin

      This (the 10% discount, not the new card!) could have been pretty useful to me 7 years ago when I lived next to a big Tesco, but I won’t spend an extra 20 mins driving to Tesco for 10% off

      • For comparison, we got £51 off £450 MOC this month, no subscription necessary and we can add giftcards if we don’t want to spend all £450 at Tesco. £5 off £15 on cleaning stuff, 5p off per L gas, and signed up to a month free trial of same day delivery. I don’t see the point of clubcard plus, we just have to develop a strategy that keeps the MOC coming through the letterbox.

        • OH has had no MOCs in months and recently stopped shopping in tesco on my clubcard (cancelled delivery saver and going elsewhere) to try and trigger some on my own account. Nothing yet.

          We used to get serious money off on a regular basis before we subscribed to delivery saver.
          Any tips you’ve learned so far to get the coupons flowing?!

          • Shoestring says:

            always use the first one, failing that one of the 3 to keep them coming

            I tried to get them going again for me by using one of my wife’s MOCs but on my own clubcard swipe – which works fine – but they haven’t started up again

          • In addition, I recommend you call and tell them Nectar now works much better for you, that you would prefer to shop Tesco but will not do so until you get as many coupons as Sainsburys gives you. Last time I did this in reverse I got 6 x £6 off £40 coupons from Sainsburys.

          • RussellH says:

            Do not get coupons from either Tesco or Sainsbury’s anymore.
            I assumed that both had stopped doing them.
            But always difficult to use anyway – even if they were for something that I actually wanted, I had usually bought it before the coupon arrived, and there was no way I would need to buy it again until long after the coupon exprired.

          • Lady London says:

            Yes people on here have said that Delivery Saver stops the MOCs. @BJ has the best strategy.

          • @LadyLondon, I’d actually go to Aldi(‘s) or Lidl(‘s) if I didn’t dislike shopping so much. I only go to the store when I need giftcards or something I cannot get online. My strategy works well for je but not for all.

  2. The Original David says:

    What a woeful product. Why does Tesco offer the same (poor) earning rate across all its cards, whether they’re credit or debit? Surely there’s more margin to be had on the credit card, no?

    • Shoestring says:

      Tesco pet insurance still open to application – 2500 clubcard points/ 6000 Avios/ Virgin miles

      easy to get a policy costing about £3-4/ month if your free of charge, moggy cat is female, 18 months, lives inside, healthy, vaccinated against pussyviruses and you must choose accidents + illnesses (minimum Standard cover) & keep the policy going 35 days (2 payments)

      • First payment came out on Thursday for Popcorn and Candy. LOL

      • The Original David says:

        Thanks, I’ve already done that one (with your tips on what sort of pet I should get!), but that’s not dependent on Clubcard Plus is it?

      • Shoestring – do you know if you qualify for 2*2500 Clubcard points if you take out a policy for your 2 cats OR is it better to take out 2 separate policies, one for each cat? TIA

        • Shoestring says:

          definitely 2 policies and it’s only 1 per person, you might want to start a new clubcard a/c for your mum at your address in case she comes to stay

      • Travel Strong says:

        I’ve just bought a policy using the TOPPET code, but at no point was I asked for my CC number. Where have I gone wrong?! :'(

        • Shoestring says:

          nothing, if you are sure you didn’t miss it – it doesn’t appear if they can match your personal details to what they have on file for you @Clubcard, ie it’s automatic – best take a screenshot of the offer, though

        • Travel Strong says:

          Called them up, and it’s fine. They automatically grab your CC number using your personal details, and only ask for it if that lookup fails. Just in case anyone else has the same worry!

      • The Original Nick says:

        Harry, I can only get my quote for my cat insurance down to £5.76/mth.

        • Shoestring says:

          even with the excess at £200? could be your postcode – London? (where it seems a lot of cats get killed on the roads)

          try a dummy person living in Cornwall postcode with the same cat details/ some people did fine with 18 month non pedigree dog

          • The Original Nick says:

            Yes with the £200 excess. I’m in Oxfordshire.
            Will try a dummy run. Thanks.
            I’m pretty sure this offer came up 3-4 years ago or was that the Life insurance?

          • The Original Nick says:

            Found it. Took out a poilcy 07/01/2016. Would this prevent me getting the 2500 CC points do you think? It was for a dog then. I’ve got Bagpuss to insure now.

          • Shoestring says:

            not if you cancelled it back in 2016 as well

      • Lady London says:

        Not in London. Min. £8 for anything in London.

        This is a gift for the regions.

        • I got a hefty quote for my west London address even though I said she was a house cat.

  3. They are attempting an “amazon prime” type product but to scared to make the off truly interesting.

    • A bit late for that after they started closing or running down everything except groceries. I just wish nectar could get avios iff clubcard.

      • BJ,
        How’s your new kitten doing???? What did you name it in the end.. thought that was hilarious…

        • Still grieving the last one, and I have an allergy so I’ve yet to do anything about it Polly.

        • … and I think I know what you are talking about. That was taken down because somebody thought it was outrageously sexist which it wasn’t in the slightest as there was nothing stereotypical, prejudicial or discriminatory about it.

  4. After shopping in Aldi and Lidl I have saved thousands, literally, whilst losing clubcard points. I think last year I got £3.50.

    • Prices at ASDA are comparable to Aldi these days, and they offer the free Click and Collect service as well. Meanwhile, my local Tesco is expensive, offers poor choice and no Click and Collect (I’d have to go to one 14 miles away for that!)

      • Lady London says:

        I agree with you Anna. Previously better Asdas were up North. But nowadays clicking and collecting at some of the bigger London ones is giving a good selection.

        Annoying that delivery for Waitrose, Tesco and Asda seems to force you only onto the specific products/stock levels currently available in your local store. So sometimes Click,& Collect is necessary to override this and get access to a better selection in another branch.

        I am becoming a reluctant fan of Asda though. I guess being owned now y Walmart has helped.

    • Erico1875 says:

      Me too. Aldi Cava £5.29. Tesco Tec £6.50.

      • It was down to,3.99 around Xmas, quite delicious

      • So how much are you saving each year on that Erico? And are you coming to Edinburgh meeting if it happens?

        • What’s this chat about an Edinburgh meeting? 🙂

        • Erico1875 says:

          6 a week just on Cava. General groceries are about 20% cheaper so overall about A grand a year. Yes I would be interested in a Edinburgh meeting

          • Shoestring says:

            I reckon I save quite a bit more than £1000/ yr having switched to Lidl/ Aldi plus the quality of the sort of food I buy (ie mostly fresh stuff) is better than Tesco/ Asda/ Sainsbury, meat same as Morrisons

    • Lady London says:

      This. Is why the offer. I think it’s a retention offer for existing Tesco food customers against the likes of Lidl and Aldi.

      • Peter K says:

        I think the same. Tesco is trying to look after loyal customers so they don’t start moving elsewhere. I never assumed that clubcard plus was to attract brand new customers but to increase the inertia that is stopping existing customers from going elsewhere.

      • Agree, I think many stick with Tesco due to habit and don’t even bother evaluating alternatives (I don’t included @Liz and others in that who have clearly figured out hiw to makd it work for them).

  5. “If you cancel your Clubcard Plus subscription, your credit card account will remain active until at least 12 months after your last paid subscription month.”

    That’s got some legs.

  6. For shopping in Tesco, its a far worse deal than the debit card, which gives you one CCP per £ spent.

    I’m currently on the free two month trial of Clubcard Plus but I will be cancelling.

    • Shoestring says:

      I’ve got that 2 months’ free invitation sitting there waiting, did you establish any points earning opps?

  7. Kenneth says:

    Does any one else still have the Tesco Premium Credit Card? I am thankful that I have continued to keep up my subscription. I think it is £24 per year, but now closed for new applicants. I don’t know how long they will let me keep it, but it is probably one of my most valued cards.

    No special perks attached to it though. I just use it for points. So, if I spend £2500 a year at Tesco, doing shopping I would do anyway, I receive 2500 extra Tesco points, plus an end-of-year bonus of 2500 Tesco points. And that’s on top of the 2500 I get for just using the clubcard. So that is a total of 7500 Tesco points which converts to a nice 18000 Avios or 19500 Flying Club points.

    Unfortunately I can no longer pay my Tesco CC bill with my Revolut card. Unless anyone still has a way around this?

  8. I decided to ditch my Tesco current account for £175 from HSBC. Looks like it will be going anyway but if not then it sets me up for any new variant/offer that might come along.

    • Same here. There’s also a £100 each refer a friend bonus for switching to TSB until end of Feb (usually £75). Works nicely for a couple.

      • Thanks, my partner has TSB account. We have both had bonuses before so I’ll not get the £100 but I’ll check the small print to see if he can still get the £100 for recommending me.

        Any idea if we can still use our cancelled debit cards as clubcards when buying petrol?

      • I just got my wife to change her account to TSB, only after that did I pay attention that she is part of my joint account.

        not gonna get the £100 are?

    • Ditching the tesco current account? School boy error. I make 60k points from our family’s accounts each quarter.

  9. You always know when the title of the article is a question, the answer is almost always “no”!

    If the answer was “yes” the title would be “jump on this deal before it gets pulled”!

    • Secret Squirrel says:

      I thought the biggest bang with this was max out the 2x spends per month by purchasing gift cards.

      • Shoestring says:

        does that actually work?

        • I don’t think so. Besides, you already know that a 10% discount on giftcards is common place these days without subscribing to anything, and bigger discounts can often be obtained.

          • Secret Squirrel says:

            If your referring to Amex morries then this is not every month whereas Tesco is!

        • Secret Squirrel says:

          Yes, mix it up with a little bit of shopping.

          • No, I meant that I don’t know why Harry was getting interested about a 10% discount when he can normally do better without a subscription such as 15-20% MOC, and that place he is always singing about 🙂 However, I guess he usually jumps at anything 10%+ provided he can use it.

          • Shoestring says:

            I’m trying to quell my inner FOMO

  10. Spurs Debs says:

    I might of signed up for this BUT it doesn’t apply to shopping.
    I spend approx £150 a week on shopping but I have it delivered. I’m not trekking into Tesco’s and lugging all that shopping about when they bring it straight to my back door, not even to save 10%.

    • Brian P says:

      Yes, this is the weird bit.. Not applicable to home deliveries.. Frustrating.

      • Richard Shakeshaft says:

        Thank you for adding this critical detail! Spending an least £40pw to avoid the basket charge was making me think this was worth it, and just wondering how the shops for the 10% saving were chosen.

      • They want you to go in store so they can tempt you to buy more stuff. It doesn’t work as well online.

        • They are trying to do this at Sainsbury by mixing offers and suggestions into favourites lists, I find it very annoying.

        • RussellH says:

          Yes, we sometimes find that they have deducted 13p from the bill for something that is on “clubcard special” that day. But we only find out about the offer at the checkout!

          As far as we are concerned, on-line grocery shopping is useless as you never get the real bargains – the ones with the yellow labels on.

        • It’s more to do with the fulfilment cost. The supermarkets all now regret their arms race on home delivery and are pulling back where possible.

          • Lady London says:

            Like it or not though except for certain niches, delivery is going to replace a lot of bricks and mortar cost. Look at the mayhem in the high streets with shops closing and properties not re-letting.

            The thing is delivery has scale advantages through centralisation of logistics and fulfilment. But distance to reach customers means more of the costs left are variable and
            financially distances to customers cannot profitably be infinite. As Royal Mail and courier co’s indicate with their lists of exclusions and extra charges. Legislation will be needed to fix that eventually so that seller and other customers share the burden of those customers who are expensive to deliver to after the reduction phase in bricks and mortar shops.

            I am sure the pension funds must be rebalancing any investment with high street property exposure for some years now. Unless there is a strategy by the investee to work with the trend e.g. convert high street to residential.

            So like it or not Tesco is going to have to keep delivering as that is where the expansion is and eventually people being delivered will have to be funded as a mixed fixed and variable cost (as compared to fixed cost of bricks and mortar) and will have to receive incentives as well.

            Massive OT but it’s Sunday and socially important.

        • Spurs Debs says:

          Speaking to 2 long term Tesco employees this is exactly the reason. If I have to go into a shop I always spend more, with home deliveries the only time I have something different or extra is if they send a substitute.

          • Spurs Debs says:

            Lady London, my Son has worked for them for over 20 years, and he believes in 20/30 years time it will all be

    • Sussex bantam says:

      I agree completely. Would have been all this if it included on_line but where I would comfortably spend enough to make it work. Haven’t done an instore big shop for years !

    • Mr(s) Entitled says:

      I think this is a cut and paste article repeating the same error. The 10% only applies to in-store purchases. A pretty fundamental detail.

    • Your post should say “might HAVE”, not “of”. An error of seemingly increasing occurrence.

      And it’s called Tesco, not Tesco’s. Tesco’s what? Never understood why some folk feel the need to make some proper nouns possessive, but not others, e.g. ” I’m going to Asda’s “, said nobody, ever.

      • You have clearly never met a working class Northerner. It is relatively standard do to pluralise names. I will still occasionally say ‘I’m going to Tescos’.

        • Shoestring says:

          my kids (urgh!): I’m going Tesco, I’m going town after school

        • Mr(s) Entitled says:

          Sweet Jesus. Is that for real?

          As the comment was directed to Spurs Deb any sweeping comments about her that you can enlighten us on based off her language?

          • I can tell you based on her name she is a woman of discerning taste and intellect when it comes to choosing a football team 🙂

          • An acquired taste you mean?

          • Spurs Debs says:

            @Doug M and BJ

            Many people would say I’m an acquired taste 🤣

            Supporting Spurs teaches you all about managing your expectations and disappointment. Both skills you need in life.

          • Lady London says:

            Could be worse. You could support West Ham.

        • You stopped being a working class northerner the moment you left Oakwood!!

          • Very possibly 🙂

          • Having said that, works both ways, 2nd son is now a paid up northerner having spent the last three years of a four year masters at Sheffield, he loves it up there.

        • RussellH says:

          Yes, I hear ‘I’m going to Tescos’ all the time. Or even ‘gan Tesco’s’ Not Asda’s though. Surprising really, since Asda is much bigger and busier than Tesco here.
          And of course, it IS Sainsbury’s, NOT Sainsbury or Sainsburys.

          What you really need to be aware of round here is “Gan yam.”

        • “I’m going to th’ASDA” is still common round here!

      • Spurs Debs says:

        Get a life Scott or in good old Bucks language FO
        Has your post added something of value to the article no, mine did. All yours has done is show you up to be an arrogant twat.

        • OK, I’ll F off in a bit…but would you say you were going shopping at Asda’s ? Or flying with Virgin’s? Or exchanging currency at Bank of Scotland’s? I’m going to bet you wouldn’t, so why the inconsistency with Tesco’s ?

          As to Rob’s comment about never having met a working class Northener – class/region offers absolutely no explanation for the points raised (my background is more working class than 99% of folk on here.)

          • Hope you’re not the Tory son of good Socialist stock Scott? If not then stick around, the rest we can forgive.

          • Spurs Debs says:

            I also say “ me foot is hurting or me back half hurts “
            Instead of my, I know just shoot me for my crime of bad grammar. My point still stands your post added nothing of value to the subject, you just want to try and belittle me. Well you crack on if you have nothing else in your life but to spend your time correcting people’s grammar I feel sorry for you. On plus side with the invention of internet at least you and your hobby will never run out of people to feel superior too.

      • Travel Strong says:

        “I’m off to ASDA’s” said everyone, in south wales, always.

      • Scott, as you’re the grammar police, don’t you think might have should in fact have been ‘may have’ anyway. Might have implies there is still a decision, given Deb’s has made her decision I believe it’s may have. In many ways correcting this sort of thing is as tedious as my own post, we all type at speed on different devices, there is no correction or comeback, once you click that’s it.
        Correcting Rob is fair game, he posts the site content and should be held to a higher standard than the comments 🙂

        • Peter K says:

          I hear Asda’s all the time, and Tesco’s. On the other hand I also hear “I’m off to Sainsbury”.

  11. Had a free two months of Clubcard plus in the mail yesterday. Check your spam! It’s worth a free trail for sure. Cancel anytime.

Please click here to read our data protection policy before submitting your comment.