Maximise your Avios, air miles and hotel points

Clubcard and Nectar news: 6000 Avios from pet insurance, Booker 3% cashback deal

Links on Head for Points may support the site by paying a commission.  See here for all partner links.

We decided to pause our sister site, Shopper Points, at the end of 2019 due to the lack of relevant points-driven content coming out of Tesco Clubcard and Nectar.  We’ve kept the site intact and we’ll bring it back if there is a sustained pick up in activity.

For today, I wanted to run through a few things which are not strictly HfP related and which would have gone onto Shopper Points in normal times.

Get 6,000 Avios with Tesco Bank pet insurance

The Tesco Bank pet insurance offer ends in a couple of days.

You will earn 2,500 Clubcard points, which converts into 6,000 Avios or 6,250 Virgin Flying Club miles, when you take out a policy.

A lot of readers have succesfully applied since it launched in January, with the Clubcard points arriving on schedule after 35 days.  Once you have the points, you can cancel the policy.

Full details are on the Tesco Bank website here.  The offer is open to all Clubcard holders and does not say it is targeted.  Note that the cheapest ‘Accident & Injury’ policies do not count.

The last date to apply is 31st March.

Oxfam leaving Nectar on 31st March

Oxfam is the latest business to bail out of Nectar.  The partnership ends on 31st March.

This was always a tricky partnership for us to cover.  Oxfam used it to promote their ‘Tag Your Bag’ initiative.  This allows Oxfam to claim Gift Aid from the Government on items you donate for resale in its shops, but in order to do this all donors have to be registered and all items of clothing registered.  Only items donated by UK tax payers are eligible for Gift Aid.

This offer worked both ways.  Oxfam emails you every few months and tells you how much your items sold for.   You can then enter this sum on your tax return under ‘charitable giving’ and get 20% of the sum deducted from your next tax bill.

What was good for Oxfam is that it got to promote ‘Tag Your Bag’ to the huge Nectar customer base.  The ‘downside’ was that Oxfam had to pay Nectar for the points that were issued every time your clothing sold.

Oxfam must have been happy with the results because the deal ran for seven years.  Someone has clearly decided to review the expenditure, however, and the offer ends next week.  With Oxfam shops closed anyway, the deadline is a moot one.

Our review of the American Express Nectar credit card is here if you are interested in other ways of boosting your Nectar points.

Tesco offering Booker / Makro customers 3% cashback if they refuse Clubcard points

Tesco bought the cash and carry group Booker in 2017 for almost £4bn.

If you have a Booker or Makro card, Tesco is offering 3% cashback if you scan it at the supermarket check-out.  The cashback is added to your existing Booker / Makro account.  Vouchers are issued every quarter and can be deducted from the cost of your next purchase at Booker / Makro.

You can’t, for clarity, use the cashback vouchers in Tesco.

You cannot claim cashback from online Tesco shopping.  It is only valid on in-store purchases.

You need to choose between earning Tesco Clubcard points and Booker / Makro cashback.  The maths is relatively similar:

You get 1p of Clubcard points for every £1 you spend in Tesco, but via Clubcard Boost you can triple this to receive 3p of credit for Pizza Express, etc etc

You get 3p of Booker / Makro credit for every £1 you spend in Tesco

At the end of the day, it comes down to which is most convenient for you.

Changes to how Clubcard points are calculated

A change in the way Clubcard points are awarded

Finally, Tesco is making a small change to the way that Clubcard points are awarded on 20th April.

The value of any money-off coupons or Tesco Clubcard vouchers will be deducted from your total spending before points are awarded.

This means that if you spend £20 but use a £5 Clubcard voucher and £2 of coupons, you will only receive 13 points.

Of course, you should not be using Tesco Clubcard vouchers to pay for your shopping anyway.  It is not sensible given that you can get 3 x face value for them with a Clubcard Boost partner.

Comments (50)

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

  • Nick_C says:

    I’m not transferring CC points to Avios any longer. No guarantee Avios will be around in future, so no need to add the large stash I may lose.

    Also not sure it’s worth faffing around for £25, and putting an extra burden on Tesco Insurance staff, who must be struggling to try to keep a vital service going.

    • Genghis says:

      As we’ve discussed before, £25 to you, £75 (sometimes, probably more like £64) to me.

      • Nick_C says:

        But of course if you can get 3p of value for every CCP, you shouldn’t ever be transferring CCP to Avios. That means you are paying 1.2p/Avios

        • Genghis says:

          Exactly. And that’s why I don’t.

          • Harry T says:

            @Genghis what do you use your CC points for?

          • Genghis says:

            Used to use for Uber – alas – and not really redeemed since. No need currently for vouchers as have loads of vouchers to use – and not going anywhere for a bit. I liked our Intrepid redemption a few years ago so will prob keep on saving for the moment.

        • Callum says:

          That’s not really a given considering every Avios redemption I make gives me far more than 1.2p/Avios in value.

          • Genghis says:

            In which case, assuming you have use for something else, buy the avios for 1p cash and use the Tesco vouchers at to be slightly better off? (Note if you’d normally book a cancellable stay this probably isn’t the best advice).

      • Sam says:

        @Genghis, how did you come to those figures?

        • Genghis says:

          Genuine 3x is a railcard, less say a few bips for cc spend.
 is 3x but you lose the reward night, so down to 2.7x and then you lose going through a portal and earninf cc spend so that takes it down to say 2.57x. YMMV.

      • Nick_C says:

        “Note if you’d normally book a cancellable stay this probably isn’t the best advice”

        Indeed. For Tokyo in December, I initially paid £565 for the hotel through Between booking in July and setting off in November, I cancelled and rebooked twice, saving £176. Final price was £389. Booking with Tesco vouchers would not have been good value.

        Add to that, I got 71000 Avios from Tesco last year. If I hadn’t transferred CCP to Avios, I would have been paying cash for some of my flights. I got more than 4p/Avios value on our one way flights in J from HKG to TYO.

        So what is right for me may not be right for you.

        But I do find your views interesting, and thanks for sharing them.

    • Secret Squirrel says:

      Think Avios will be ok!

      • Nick_C says:

        I hope you’re right. But if it isn’t, it’s safer to keep your CCP with Tesco until you actually need them.

        Although there is a risk that Tesco could drop Avios as a partner.

  • BrightonReader says:

    Am thinking of signing up my imaginary cat and dog – both called ‘Raffles’

  • Nelson says:

    Anybody succeeded getting points on more than one account per address?

    • Secret Squirrel says:

      Yes, aslong as under different names.

      • Boi says:

        Signed up 3 different people at same address, received 5000 into same cc account even though all 3 have separate cc account. Is there a way of knowing which one is still pending? Now I don’t know which to cancel!

        • KINGB says:

          How much are you guys paying for your insurance if you dont mind me asking?

  • R P McMurphy says:

    Well I would have normally jumped on this, but I contacted Tesco today who refunded all my clubcard vouchers which I had converted to vouchers and used for a 1 week booking in Seoul. The booking had already passed and said the vouchers couldn’t be refunded, yet Tesco sorted it out in less than 5 minutes for me, with zero questions or hassle.

    Doesn’t feel right to deliberately rip-off a company who treats their customers like that by signing up for a month, knowing full well I intend to cancel.

  • Ken says:

    Just remember folks, if you don’t have a real pet, you are committing an offence under the Theft Act 1968 by taking out this insurance.

    Not really something to boast about at any time really, never mind currently,

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

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.