Collect Clubcard points
The Tesco Clubcard Credit Card is a great way to collect Clubcard points fast. You’ll collect 50% more points at Tesco whenever you use your Tesco Clubcard Credit Card instead of cash or cheques - that’s a total of 3 Clubcard Points for every €2 you spend! Find out more.

Where can you spend your vouchers?
Your vouchers can be used in a number of different ways:

• In-store to save on your Tesco purchases
• On Clubcard Deals - where you’ll get four times their value in Deals Tokens. These can be used for magazine subscriptions, dining out, hotel stays and much more.

The Tesco Internet guarantee

With a Tesco Clubcard Credit Card you can shop online with confidence. We guarantee to cover you against fraudulent transactions carried out without your consent when you use your card at Tesco.ie or anywhere else on the Internet.

Chip and Pin

Tesco has joined forces with the Irish banks, building societies and other retailers to combat increasing credit card fraud. Instead of signing your name on the receipt, you will be asked to enter a 4-digit PIN on the keypad. This means only you the cardholder who knows your PIN number for your card will be able to authorise purchases made on your card - Do not share your PIN number with anyone.

Tesco Active Monitoring

If our FraudSafe specialists become suspicious that someone is using your card details without your knowledge, we will call you as soon as possible on the contact numbers you have given us.

Overseas Emergency Assistance

If your card is stolen, or even lost while you’re abroad, we will ensure that you get a free replacement as soon as possible (normally within 48 hours).

Don’t get trapped by your credit card.

If you need to buy on credit, at least do it with your eyes wide open. Take our quick quiz to test if you are using your credit card responsibly.

• Do you use your cards to tide you over until payday?
• Do you use your card to pay for items that you normally couldn’t afford?
• If you lost your job and were unable to pay your bills, would you be seriously in debt?
• Do you have lots of credit cards with all of them near their spending limit?

World wide, credit cards have become an almost indispensable financial tool in the system of payments.

They are deceptively convenient and make it easier to spend money.

People are often surprised when they receive their monthly statement at some of the costs involved in using a credit card.

There is so much competition in the market today, however, that it’s possible to find a card that is a good match for your financial habits, as long as you do your homework, and will help keep the cost low.

There are a number of things to look out for when deciding on a credit card, not just the APR rate, and it’s important that you arm yourself with the appropriate information before making a choice.

Make sure you understand your credit card fees by reading the terms and conditions of your agreement, and by paying off your balance every month.

Many credit cards carry a variety of fees you may not discover until you have to pay them. These include application and processing fees, late payment fees, transaction fees, fees for exceeding your credit limit, and balance transfer fees.

Some say cash is king while others are of the opinion that it is just a matter of time before cash becomes obsolete.

There’s no doubt that we are using credit cards more these days to pay for everyday items like fuel and food. With the convenience of internet shopping and the security a credit card offers, consumers are becoming more comfortable paying with plastic than in cold hard cash.

Why paying with plastic is safer

• Credit cards offer a fast and convenient way to shop. You can also keep track of your spending by checking your monthly statement.
• Carrying around large amounts of cash can be nerve wracking. With a credit card, you can pay for expensive items safely and securely.
• Strict security measures are in place when you make a purchase. Plus you have the back-up of your bank if you need to dispute a purchase.
• If your card is lost or stolen, you can put a hold on your account immediately. You are also able to reclaim any fraudulent purchases. If you lose cash, it is gone forever.

Every credit card issued has a spending limit.

This is the amount of money you are able to borrow on your credit card. Check your monthly statement to see what your limit is.

Most credit cards offer additional benefits like the Tesco Clubcard Credit Card. You can earn Clubcard points with every purchase. These can be redeemed for a wide range of special offers and exclusive deals and more.

Purchasing goods with your credit card offers valuable protection if something goes wrong.

You have a number of options when it comes to purchasing products with your credit card.

If the item is faulty, not what you ordered, or just does not arrive, knowing your rights can put you in a stronger negotiating position.

Your Tesco Clubcard Credit Card is the ideal travel companion when you go abroad.

Its light, it’s durable, it’s secure and best of all because it’s a Visa Card, and you can use it in over 24 million places across the globe.

We’ve put together some useful tips on how to keep costs down and protect against theft and fraud while you’re abroad.

Keep our customer service numbers with you in case your credit card is lost or stolen. Our helpline runs 24/7.

If your card is lost or stolen while you’re abroad, we will ensure that you get a free replacement as soon as possible, normally within 48 hours.

Active Monitoring can detect suspicious purchases on your credit card at home and abroad. Whether you’re purchasing a carpet in Turkey or a tea set in Egypt, we can track your spending. It’s best to let our Credit Card department know when you’re planning a trip abroad so that we know your foreign purchases are not because your card has been stolen.

If we suspect fraudulent spending, we will contact you as soon as possible to confirm any suspicious purchases.

If you carry out a transaction in a foreign currency we will charge you 1.75% fixed.

Credit cards can be very convenient and there can be perks to using your cards, from getting points for purchases or getting purchase protection or travel insurance when you pay with your card.

You can also use credit cards to manage your spending but they can become a costly burden if not used sensibly. Here are some tips on getting your credit cards to work for you.

• Credit cards are only cheap if you pay off your balance in full every month.
• Avoid having too many cards. With many credit card companies offering free cards it is tempting to apply for lots of cards. Not only can this become difficult to manage, having too much available credit may affect the decision of a lender to approve a larger loan for a house or car.
• Don’t use your card for cash advances. This is an expensive way of using your card as often you will be charged a fee for cash withdrawals, and interest can be calculated from the date of withdrawal, rather than at the end of the month.
• Before you use your card overseas check with your provider on charges for overseas transactions, these can be costly and some cards offer better deals than others.