Tesco Clubcard Pay+ review

Is this prepaid debit card worth using for your spending?

After closing down all Tesco Bank current accounts, Tesco has launched a new way to pay whilst still earning Clubcard points. It’s called Tesco Clubcard Pay+ and here’s what you need to know about it.

What is Tesco Clubcard Pay+?

Despite the similar name, this is nothing to do with the Tesco Clubcard Plus membership scheme.

The card also also isn’t a replacement for the Tesco Bank current account. Rather than a place for you to do all your banking, it’s mainly just a way to pay.

Effectively it’s a prepaid Visa debit card. You need to connect your bank account to the Tesco Bank app, and then use this to top up the Clubcard Pay+ card. It can take up to 24 hours for money to appear in the new account.

This means you can only spend what’s on there. If you run out of cash the transaction will be declined. You’ll need to add more money and try again.

Tesco is also trying to encourage customers to use the card as a way to save and earn rewards – more on these in a moment.

You can’t set up Direct Debits out of the account. And since there’s no sort code or account number you also can’t receive payments. There’s also no overdraft facility.

Since it’s operated by Tesco Bank you’ll get full FSCS protection on any money put on the card or held in savings.

Applying for Tesco Clubcard Pay+

You can apply for a debit card online via the Tesco website. You need to be over 18 years old and a UK resident to get the card. You’ll also need a Clubcard – though that’s free to get. You can have a maximum of two per person.

Since it’s not a bank account there’s no hard search on your credit report, though there will be a soft check to confirm your identity.

Tesco says it’ll take up to seven days for your debit card to arrive.

Earning Clubcard points

The big sell from Tesco is the ability to earn Clubcard points with all spending on the card, not just at Tesco – though this is quite limited.

Spending at Tesco

In Tesco stores, the Clubcard Pay+ debit card replaces your existing Clubcard and you’ll just get the same one point per £1 spent. There are no extra points as standard, though the welcome offer gives a temporary boost.

You won’t earn points on

  • tobacco or tobacco related products,
  • lottery,
  • stamps,
  • prescription medicines,
  • infant formula milk,
  • Tesco gift cards,
  • 3rd party gift cards,
  • saving stamps,
  • in-store concessions

Though this sounds like no change, I think using the card for Tesco purchases will actually lose you cashback or rewards. You’re much better using a separate Clubcard to get the exact same point per £1, and then earning another 1% on top with a Chase Bank current account or up to 1.25% back from an Amex credit card.

Spending elsewhere

At all other retailers you’ll get one Clubcard point for every £8 spent. That’s the equivalent of 0.125% back on each transaction – but only if you spend multiples of £8. If you spend £5 you’ll get no points (so 0% back). If you spend £15 you’ll get just one point (so 0.067%. back).

This is a pitiful return. Even if you manage to boost your Clubcard point value, at best that’s 0.375% back. Again you’ll beat it by paying with the best cashback cards.

Welcome bonus

For the first 100 days you’ll actually earn double Clubcard points for every £1 you spend in Tesco and on Tesco Fuel. That works out as 2% back in points. There are no extra points for spending at other retailers.

Round Up savings feature

When you do use the debit card, you’ll also be able to use a round up feature to send money to savings pot. Your change (calculated to the next pound) will be moved over. So say you spend £23.80, the remainder of 20p will be deducted from your overall balance.

The feature is automatically switched on when you activate your card, so you’ll need to use the Tesco Bank app to turn it off if you don’t want to use it.

Other banks also offer this save the change feature, along with a full banking experience. My pick of these would be Chase Bank as you’ll earn 5% interest on those roundups. Other banks offering this include Lloyds, Starling, Revolut and Monzo. Or you could connect your current account to an app like Plum instead. All far better options.

Is Tesco Clubcard Pay+ any good?

Andy’s analysis

I’m not really sure what Tesco is hoping for with this card.

The Clubcard points feature is either exactly the same as using your standard Clubcard in a Tesco, or so poor at other retailers that I think it’s a waste of time. Even the welcome boost is a waste when compared to other ways to earn cashback.

The ability to round up isn’t any kind of selling point either. And if you did like the idea of it, you’re probably better using a different provider. And better still, put it in an account where you’ll earn interest.

So if it’s not for people wanting to earn extra points, and it’s not for people looking for ways to save more, who is it for?

All it leaves are those who like the idea of a prepaid card. Something that gives them to ring-fence supermarket spending on a single debit card so that cash can’t be spent elsewhere.

But once again, this feature is available with other digital banks, most notably the new Chase Bank account.

And since Tesco Clubcard Pay+ is only accessible via the Tesco Bank app, it’s not even as if this debit card will appeal to those less tech savy.

All I can say in Tesco’s favour is that this is still a trial. So perhaps there will be more features when it’s fully launched. I’m not holding my breath though.

5 thoughts on “Tesco Clubcard Pay+ review

  1. Hi,
    Firstly a correction to the above review… The Clubcard Pay+ Card does indeed have a sort code and account number, so these can be used to transfer money into it from another bank account. Maybe this feature was added to newer cards after the initial release, but my card (got in 2023) certainly does have these details printed on the back, along with the usual long card number, expiry date, CVC, and also your long clubcard number. The clubcard number might be different from your original clubcard number (mine does), but both cards are linked to your clubcard account, so both can be used to collect points.
    The only point for me getting the Clubcard Pay+ was to cut down on the number of cards I carry around in my wallet (I used a separate debit card for my Tesco shopping anyway, so wouldn’t need a Clubcard too). Yeah I use my phone to pay for things, but still keeps the cards handy for dead phone battery scenarios. But as it turns out, it’s not as straightforward as it should be to use the single card in store, to collect points and pay for shopping at the same time. I thought it would be as simple as tapping once for both purposes, or at worst tapping twice – once for points, once for payment. But rarely does the card-reader recognise which action to do in the correct order… The cashier usually has to hit cancel and asks me to insert the card and enter the pin instead. So, pointless having a contactless card that doesn’t work when it just should.
    Even more frustrating is that Google Pay on Android doesn’t allow Clubcard Pay+ cards to be added. Ok, you can add it (and other payment cards) to the Tesco Shopping app, to pay with a QR code on from your screen, but Google Pay would just be easier.

  2. I thought this was a debit card until I tried to activate it using the pin for a transaction. Nowhere in the information provided did I see that this is actually a prepaid card.
    It is of no benefit to me. I am going to cancel it and revert to using my club credit card

  3. No end of problems with this card,could pay by swiping then it suddenly stopped and demanded pin number,entered pin number and it was refused.This is the second time it’s happened,so I could not use it for five weeks.

  4. Applied for and got this card as thought it had some benefits. Wasn’t worried about using the app. However, the real technology failure is the way they send the PIN number. Am on my second now and it is quite impossible to read. They’re using a technique a bit like those puzzles which ask ‘can you read the number’ when it’s mixed in with a lot of coloured dots. Except in this case there is no contrast between the no and the background despite trying every means possible to read it. Tesco say there’s no other way to send the pin so that’s that. Made me laugh when the Tesco guy said it was ‘so that no-one else can read it’. So, I’m meant to be the only one that can? Crazy!

  5. Hi Andy,

    I just applied for this a couple of days ago as it happens. The only selling point (and its marginal) for me was that I have a large HMRC bill to pay and I’m hoping to at least generate some clubcard points off of it as there no longer seems any other free way to get anything back for it. From other sites it seems this will still work with HMRC so fingers crossed.


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