Tesco Credit card is offered by Tesco Bank and they are a safe and secure way of managing your credit. There are seven different types of card for you to choose from and really just depends on you and your current situation as to what card you should get. You can compare all of the credit cards on the Tesco website and decide which one is best for you and your financial situation. The Tesco credit card is linked to the Tesco Clubcard and you can collect points as you spend on your credit card, with your Clubcard points getting turned into vouchers every three months. The Tesco website will explain each card in great detail so you know exactly what you are getting into financially.
|Department||Contact Number||Opening Hours|
|Purchases Card||0843 557 3623||8am-6pm|
|Premium Card||0843 557 4878||8am-6pm|
|Customer Services||0843 208 1763||8am-6pm|
|Complaints||0843 557 4878||8am-6pm|
|Travel Insurance||0843 557 3623||8am-6pm|
The purchases card is an extremely popular choice of credit card for Tesco Bank customers as it helps spread the cost of expensive items and charges as little interest as possible and even has a 28 month 0% interest window which means using the hard is stress free. Tesco understand that some things can’t wait, so they can help by delaying and spreading out the cost. As with every Tesco credit card, the Purchase Card also offers the chance to collect and earn Tesco Clubcard points which can reduce the cost of essential things such as food shopping and fuel. The purchase card has 0% interest on balance transfers for the first three months and will have a balance transfer fee of only 2.9 %. The card will allow you to transfer up to 95% of your credit limit – another reason it is particularly attractive to Tesco Bank customers. The card offers a 0% interest period but it is important that in order to benefit from this, you make your repayments on time, otherwise charges might occur. These repayments also need to be made in full. To apply for a Purchase card, you can click ‘apply’ straightaway on the Tesco Bank website, or you can call the contact number listed above for more information. By clicking ‘learn more’ on the website, you will be given a handy guide about using the Purchases Credit Card including the reasons why it might be great for you. You will also be given a representative example. If there is anything that you don’t understand when reading about the card, call the contact number during the opening hours displayed in the table above. The website explains why the card is perfect for those that are thinking of making much-needed home improvements, whether that’s essential refurbishments or buying appliances that all add up in expense. The card helps you spread the cost of all these major purchases to make them more manageable. The card also has a few other handy features such as being able to pay using contactless payment, works alongside Apple Pay for quick and easy payment and you can also manage your card with the Tesco Bank app where you can see everything that you need to know about your purchases card. If you have a Purchases card and are not sure how it works, are having problems using it, or have detected any unusual activity on it then please call the Purchases card contact number straight away.
The premium card is the newest of the Tesco credit cards and it is the fastest way to earn Tesco Clubcard points. This card also offers travel related benefits to its customers to keep holiday planning a hassle free activity. Again, all information about the Premium card can be found online and it is important that you read it through before you commit to applying for a card. Different credit cards suit different people, and if you have any questions at all about what the Premium card does and how it could benefit your financial situation, then please call the premium card contact number where an expert adviser can help you out. Similarly, the contact number is available to those that that have noticed suspicious or unusual activity on their account, have forgotten their log in details so cannot manage their cards by online banking or are just having problems using their card in general. In depth information about the Premium Card can be found online, including a Clubcard points calculator where you can see how many Clubcard points you are entitled to when you spend a certain amount on your Premium card. Because you are going to collect a significant amount of points whilst using this card, you will be entitled to money off expensive things – one of those being travel. The Tesco Bank website gives you ideas on how you can use your Clubcard points, including flights to destinations in Europe using Virgin Atlantic, meals out to favourites like Pizza Express and Café Rouge and adventure days out to Legoland and Alton Towers which are bound to please the whole family. If you spend £5000 in a year using your Premium Card, you will be entitled to a grand total of 5000 Clubcard points which is definitely a great deal. You can enjoy your points by spending them on travel and if you are under 70 years of age you will also be entitled to Tesco Bank Premium Credit Card travel Insurance so you can relax and enjoy your trip. The premium Credit Card has an annual fee of £150. The Tesco Premium Credit Card also acts as your Clubcard which is why you can earn double the points when using it. Applying is simple, you can press the ‘apply now’ button on the Premium Credit Card page on the Tesco Bank website or you can call the Premium Credit Card contact number and do it over the phone. Be sure to read the summary and check the terms and conditions before you commit to anything and when you are applying, you will need to make sure that you are eligible. Factors for eligibility include an annual income of £25, 000 or more, you are at least 18, you have a good, clean credit history and you live in the UK. Full terms and conditions are listed on the website.
Choosing a credit card can be a lengthy and sometimes difficult process, particularly when there are so many to choose from. The Tesco Credit Card customer services line is there to help you every step of the way, whether you haven’t yet chosen a card and are just starting out with one or whether you have one and want to cancel it, or have one and are experiencing difficulties. The customer services line is available during the times displayed in the table above and an adviser will do their best in helping you choose what card is right for you. The cards that are available for you to apply for include the Purchases Credit Card, the Premium Credit Card, the Balance Transfer Card, the Money Transfer Card, Low APR Card, 0% Balance Transfer Fee Card and a Foundation Card. The best ways to find out which card is best for you is to either call the customer services contact number or to compare the credit cards online at Tesco Bank using their comparison feature. The comparison feature displays all of the cards in a table and so you can compare what the effects of having each one would be. A lot of the cards are appealing because they have 0% interest rates for certain periods, but please note that these are only valid if you make your repayments on time and in full. To apply for a credit card you will need to check whether you are eligible for one. You can call the customer services if contact number if you are unsure, but if you have read the terms and conditions online and certify that you are eligible then you can apply for the card online (if you are confident to do so). The card will then be sent out to you in the post so be sure you have entered the correct address. If you have applied for a credit card and you have not received it in the time you were told that you would, or you have waited two weeks and still not heard from Tesco Bank call customer services as soon as possible as it may be that your card has been misplaced. You will need to register your card when you have received it so that you can begin using it. If you are having any issues with using or registering it, please call customer services.
Tesco Bank hopes that everything works well with your credit card, but, of course, if you are experiencing any issues with your card, the complaints number is there to assist you and fix them. It is important that you read any terms and conditions before you apply for a card and although a lot of the cards will charge you 0% interest in the first 28 months, if you cannot make your repayments then you will be charged. You need to ensure you are keeping track of what you spend on your credit card and make sure that you can always make a repayment. When it comes to banking, security is paramount and so if you have any security or fraud concern then the complaints number is the place to ring to report it. The security of your accounts is a definite priority for Tesco Bank. Things to look out for are texts or emails supposedly from the bank asking you to confirm your passwords or log in details because Tesco Bank will never ask you to confirm private information over the phone. The password you will use to access your online banking is a six digit PIN – please note that you will never be asked for this either. If you want to be security savvy you can read all about the best tips and advice to keeping your details secure to ensure you are not targeted by hackers or fraudsters. One way to keep your credit and debit cards safe online is by using Tesco Bank Secure. This will ensure that you have an extra layer of security when you are making purchases online and your credit or debit card can be protected against unauthorised use. If you think this sounds like something that will put your mind at rest, you can call the complaints contact number to discuss it or you can apply and register online. The complaints number is also available if you would like to make a general complaint about Tesco Bank, perhaps you have received a bad level of customer service or you feel you have been charged a late repayment fee unfairly. An adviser at the complaints number will be able to help you out as much as possible.
The great thing about certain Tesco Credit cards is that they come with travel insurance included in their fees, meaning you can collect points to enjoy the holiday of a lifetime, knowing that you are fully covered. You can find out all about the different types of travel insurance that are offered with the credit cards by ringing the contact number. If you are a big traveller and would like to have a credit card that prioritises this, an adviser at the travel insurance contact number can help you out with choosing the most beneficial option.
Sometimes it is easier to contact a company over social media, particularly if you have a minor problem or question that can be answered quickly. To discuss Tesco credit cards, you will need to get in touch with Tesco Bank via their social media and say that you have an issue or question about your credit card.
Twitter: @tescobanknews / @TescoBankHelp (please ensure you read the house rules before contacting Tesco Bank on Twitter).
Email: There is a live chat service available on the Tesco Bank website or you can write to the head office address that is displayed at the top of this page. Please make sure you include a contact number or email address in your letter so that you can receive a response.
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