Applying for a Tesco Bank credit card implies knowing what to prepare, how the eligibility check works, and which card features match your goals.
Below you’ll find a clear, step-by-step guide with verified details on rates, fees, application steps, support contacts, and addresses.
Where terms vary by product, this guide points that out so you can pick the best fit.
About Tesco
Tesco is a British multinational grocery and general-merchandise retailer—the UK’s largest supermarket group by market share.
With hundreds of thousands of employees and operations focused mainly in the UK and Ireland.
Its loyalty programme is Clubcard, which gives members exclusive prices and points redeemable for vouchers and partner rewards
What Tesco Bank is Offering Right Now
Tesco Bank issues a range of Visa credit cards in the UK, including options focused on balance transfers and everyday spending with Clubcard points.
The range is currently advertised with a representative 24.9% APR (variable); your personal APR and credit limit can differ based on your circumstances.
If you specifically need a promotional balance transfer, Tesco Bank promotes a Low Fee Balance Transfer Credit Card.
Always check the product page before a Tesco Bank credit card application, as promotions can change.
Interest Rates and Common Fees (what to expect)
Your final APR depends on your credit profile and may vary from the advertised rate.
Standard balance transfer fees are typically 3.99% when you move a balance to an existing Tesco Bank card.
Standard money transfer fees to an existing account are often 3.99%.
On balance-transfer-focused products, purchases are shown at 24.9% p.a. (variable) in the representative example.
Tip: Always read the “representative example” box on the specific product page you plan to choose; it shows the APR, assumed credit limit, and purchase rate used for the typical example.
How to Apply for Tesco Bank Credit Cards
Decide whether you want promotional 0% periods (e.g., balance transfers for 18 months with a low 0.99% fee) or a simple low rate.
Run the eligibility check
Use Tesco Bank’s Eligibility Checker to see your likelihood of approval without impacting your credit score.
Gather your address history (last three years), annual income, monthly take-home pay, and rent/mortgage details.
Apply online
If results look good, proceed to the online application. Tesco Bank indicates you can complete this process in about 10 minutes for some products.
Have your ID information ready and ensure your credit file is accurate.
If approved, set up the account
Activate your card, add it to your mobile wallet if you use one, set up Direct Debit for at least the minimum payment, and register for online banking.
Product pages and help sections guide you through activation and account setup.
Add the Tesco Bank credit card to Apple Pay for smoother transactions.
Manage your promotional periods carefully
Track when your 0% periods end, and plan repayments or transfers before the expiry to avoid reverting to the standard variable purchase/transfer rates and fees.
Practical Usage: Making The Most of Your Card
Move higher-interest balances during the 0% window and factor in the 0.99% fee on the Low Fee Balance Transfer Card.
If using a money transfer for cash-flow needs, budget for the 3.99% fee and plan to pay off within the 0% 9-month period if applicable.
If you prefer stability over promos, consider the Low APR option at 10.9% APR representative (variable) and pay in full each month when possible.
Most Tesco Bank credit cards collect Clubcard points on eligible spend; check your chosen product’s page for specific earn rates and exclusions.
Choose the Right Tesco Bank Credit Card
Pick the card type that matches your single biggest need (BT savings, 0% purchases time, low ongoing APR, or credit build).
Confirm you can finish within the promo (if applicable) using a fixed monthly payment.
Lock in Direct Debit + alerts to protect the rate and your credit file.
| Card | Rep. APR (variable) | 0% on Purchases | 0% on Balance Transfers | Money Transfers | Notes / Typical Use |
|---|---|---|---|---|---|
| Low Fee Balance Transfer Credit Card | 24.9% | — | 18 months from account opening, 0.99% fee | 0% for 9 months, 3.99% fee | Best if you want a low-fee 0% BT period and can repay before promo ends. |
| Balance Transfer & Purchases Credit Card (All-round) | 24.9% | 0% for 20 months from account opening | 0% for 20 months, 2.99% fee (complete within 90 days) | — | Balanced option if you need both 0% on new spending and transfers. |
| Low APR Credit Card | 10.9% | — | — | — | Simple low ongoing rate for everyday use; good if you don’t need intro promos. |
| Foundation Credit Card (credit build) | 29.9% | — | — | — | Aimed at building/improving credit; starting limits £200–£1,500 plus access to CreditView. |
Do you already have debt elsewhere at a higher APR?
Yes → Prioritise a Balance Transfer card (low fee + long 0% window).
Will you need time to pay for new purchases?
Yes → Look at an All-Round card (0% on purchases and balance transfers).
Do you mainly pay in full and want a predictable low rate just in case?
Yes → Consider Low APR.
Is your credit thin or recovering?
Yes → Consider Foundation (credit-builder).
Contact Details
Credit Cards customer service phone: 0345 300 4278 (UK). Opening hours are typically Mon–Fri 8am–9pm and Sat–Sun 8am–6pm (UK time).
For lost/stolen or suspected fraud, use the same number; overseas callers should check costs with their provider.
Complaints postal address (Credit Cards): PO BOX 27010, Glasgow, G2 2DR. You can also submit via the online complaints form.
Registered office (issuer/legal): Tesco Bank is a trading name of Barclays Bank UK PLC. Registered Office: 1 Churchill Place, London E14 5HP.
Conclusion
You can request a Tesco Bank credit card in minutes by first using the eligibility checker, then applying online for the product that best matches your needs.
Keep an eye on promo end dates, set up Direct Debit, and contact 0345 300 4278 if you need help along the way.
Disclaimer: All rates, fees, features, eligibility criteria, opening hours, and addresses in this guide may change at any time. Verify the latest terms on Tesco Bank’s official product and help pages before you apply or make financial decisions.
