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

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• Mike P says:

  1 Feb1 February 06:15

  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.

  • John says:

    1 Feb1 February 06:35

    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

    • BJ says:

      1 Feb1 February 07:56

      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.

      • Dave says:

        1 Feb1 February 09:22

        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:

          1 Feb1 February 09:30

          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

        • BJ says:

          1 Feb1 February 09:50

          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:

          1 Feb1 February 11:11

          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:

          1 Feb1 February 13:39

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

        • BJ says:

          1 Feb1 February 17:54

          @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.

• The Original David says:

  1 Feb1 February 06:16

  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?

  • xcalx says:

    1 Feb1 February 08:20

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

  • The Original David says:

    1 Feb1 February 08:22

    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 says:

      1 Feb1 February 08:25

      apologies, I just figured 25% of readers won’t have seen it yet 🙂

      • The Original Nick says:

        1 Feb1 February 08:42

        Thanks Harry.

  • Oz says:

    1 Feb1 February 09:47

    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:

      1 Feb1 February 09:51

      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

      • Oz says:

        1 Feb1 February 10:00

        Cheers. Reassuring that Tiddles is going to be locked after.

  • Travel Strong says:

    1 Feb1 February 10:47

    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:

      1 Feb1 February 10:53

      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:

      1 Feb1 February 10:57

      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:

    1 Feb1 February 10:52

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

    • Shoestring says:

      1 Feb1 February 10:56

      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:

        1 Feb1 February 12:04

        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:

        1 Feb1 February 12:08

        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:

        1 Feb1 February 17:17

        not if you cancelled it back in 2016 as well

  • Lady London says:

    1 Feb1 February 13:42

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

    This is a gift for the regions.

    • Simon says:

      1 Feb1 February 18:54

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

• Bazza says:

  1 Feb1 February 06:43

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

  • BJ says:

    1 Feb1 February 08:20

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

    • Polly says:

      1 Feb1 February 16:17

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

      • BJ says:

        1 Feb1 February 17:04

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

      • BJ says:

        1 Feb1 February 17:15

        … 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.

        • Polly says:

          3 Feb3 February 13:47

          We thought it was hilarious, we were even talking about it at the party!

• david says:

  1 Feb1 February 06:45

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

  • Anna says:

    1 Feb1 February 08:05

    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:

      1 Feb1 February 13:52

      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.

      • James says:

        1 Feb1 February 21:55

        I am finding ocado works really well for me at the moment.

  • Erico1875 says:

    1 Feb1 February 09:29

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

    • Polly says:

      1 Feb1 February 16:05

      It was down to,3.99 around Xmas, quite delicious

    • BJ says:

      1 Feb1 February 17:20

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

      • Alan says:

        2 Feb2 February 00:42

        What’s this chat about an Edinburgh meeting? 🙂

        • Lady London says:

          2 Feb2 February 08:42

          Let me know when in good time and I’ll tie in my trip to Dundee!

      • Erico1875 says:

        2 Feb2 February 15:07

        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:

          2 Feb2 February 15:20

          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:

    1 Feb1 February 13:45

    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:

      1 Feb1 February 13:54

      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.

    • BJ says:

      1 Feb1 February 17:26

      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).

• pauldb says:

  1 Feb1 February 06:46

  “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.

• Nick_C says:

  1 Feb1 February 06:52

  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:

    1 Feb1 February 07:52

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

• Kenneth says:

  1 Feb1 February 07:31

  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?

  • Brian P says:

    1 Feb1 February 08:17

    Yep. Put about £8k of tesco sirens thru and £12k of non Amex spend thru annually. Use it with curve when abroad.

  • Lady London says:

    1 Feb1 February 13:54

    Niiiiiice.

    • Lady London says:

      1 Feb1 February 13:54

      for @Kenneth

• BJ says:

  1 Feb1 February 08:02

  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.

  • Relaxo says:

    1 Feb1 February 08:50

    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.

    • BJ says:

      1 Feb1 February 10:01

      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?

    • eli says:

      2 Feb2 February 12:18

      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?

  • Steve says:

    1 Feb1 February 19:17

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

    • Harry T says:

      1 Feb1 February 21:34

      @Steve how do you manage that?!

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