Tesco Clubcard Credit Card

Benefits & Clubcard Points Calculator
Review the benefits of the Tesco Clubcard Credit Card and calculate both how many points you can earn and the cash value of those points.
Last Updated 2022-06-29

If you frequent Tesco or Tesco Petrol stations, the Tesco Clubcard is a no-brainer. It earns bonus Clubcard points on these purchases, allows you to earn Clubcard purchases outside of Tesco, and has no annual fee.

Card Details At-A-Glance

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Issued By
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Annual Fee
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Foreign Transaction Fee
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Tesco Clubcard Credit Card earning rates

5X/£4 Tesco

When you use the Tesco Clubcard Credit Card to pay for purchases with Tesco, you will earn an additional 1 point per £4 spent over the non-cardholder rate. This is a total of 5 Tesco Clubcard points per £4 spent.

5X/£4 Tesco Fuel

When you use the Tesco Clubcard Credit Card to pay for your Tesco Fuel purchases, you will earn an additional 3 points per £4 spent over the non-cardholder rate. This is a total of 5 Tesco Clubcard points per £4 spent.

Do note that you will not earn at this rate when spending with Esso.

1X/£8 Everywhere Else

All other purchases with the Tesco Clubcard Credit Card will earn 1 Tesco Clubcard point per £8 spent.

Tesco Clubcard Credit Card benefits

The Tesco Credit Card does not feature any perks or benefits that are specific to the card itself. It's mainly for earning Clubcard points spending wherever Mastercard is accepted and using those points towards Clubcard vouchers and with Clubcard reward partners.

Tesco Clubcard Credit Card points value

Redemption option Redemption value
Redeeming points for Clubcard Vouchers 1p
Redeeming points with Clubcard Reward partners 1p - 3p

Every 100 Tesco Clubcard Points earned is equal to £1 in value when redeemed directly with Tesco which gives them an average value of 1p each. Points can also be redeemed with partners for up to 3p in value which is a fantastic return.

Tesco Clubcard Credit Card points calculator

Input your monthly and yearly spend amounts into the Tesco Clubcard Credit Card points calculator to see how much you can earn. Compare the results side by side up to two UK credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

Note: This calculator calculates points at the 5x/£4 rate for both Tesco and Tesco Fuel.

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