Help for existing credit card customers
Online Banking
Managing your credit card has never been easier, with our convenient and simple-to-use Online Banking and Mobile Banking App. If you do need to give us a call, that’s not a problem. We're here to talk to you 24 hours a day, seven days a week, from right here in the UK.
Online Banking
Our Mobile Banking App
Manage your money and make payments on the go with our Mobile Banking App. We have a range of features, including being able to view your pending transactions as you spend, and even set up and manage your Direct Debit payment.
Quick answers to common questions
Getting set up
Just applied for a new credit card? Here's what you might need to get started.
Managing your card
We've made it easy to do the day-to-day stuff on your credit card.
Something's not right
Not sure about something on your account? We're here to help.
Ways to bank with us
Award-winning Mobile Banking App
The convenient way to stay in control of your money, on the go.
Easy-to-use Online Banking
Not registered yet? You're only a few simple steps away.
Friendly UK-based customer service
Our customer service teams are here to help and are just a phone call away.
Clubcard Plus Credit Card or Premium Credit Card Customer?
Visit our existing customer pages for a reminder of your benefits.
Important information
Collecting Tesco Clubcard Points
Collecting Tesco Clubcard points with your credit card is simple. As long as you've got an eligible card, just use it when you shop, and you'll collect points on almost everything you buy. Your credit card is also your Clubcard, so when you use it to pay in Tesco, you'll collect your extra points as shown below on top of the points you'd normally collect with a Clubcard.
Clubcard and Clubcard Plus Credit Cards
- You'll collect one point for every £4 you spend instore or online with Tesco and Tesco Fuel.
- You'll collect one point for every £8 you spend outside Tesco.
You'll need to spend at least £4 with Tesco or Tesco Fuel, or at least £8 outside of Tesco, in a single transaction to collect points on that purchase.
Premium Credit Card
- You'll collect one point for every £1 you spend instore or online with Tesco and Tesco Fuel.
- You'll collect one point for every £4 you spend outside Tesco.
You'll need to spend at least £1 with Tesco or Tesco Fuel, or at least £4 outside of Tesco, in a single transaction to collect points on that purchase.
World, Classic and Platinum Credit Cards
- You'll collect one point for every £2 you spend instore or online with Tesco and Tesco Fuel
- You'll collect one point for every £8 you spend outside Tesco
You'll need to spend at least £2 with Tesco or Tesco Fuel, or at least £8 outside of Tesco, in a single transaction to collect points on that purchase.
Bonus Credit Cards
- You won't collect any extra Clubcard points for using your credit card. However, your credit card is also your Clubcard, so when you use it to pay in Tesco, you'll still collect the points you'd normally collect with a Clubcard.
A few more things to remember
There are some products at Tesco you can't collect points on. Clubcard points also can't be collected on Tesco Travel Money purchases.
Premium, Platinum, World, Classic and Bonus credit cards are unavailable to new customers.
You must have available credit to collect points. Clubcard points collection rates are subject to change. The Clubcard scheme is administered by Tesco Stores, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.
Get more from your Clubcard vouchers
Every 3 months your points are turned into Clubcard vouchers. These can be used to save on your shopping in Tesco and across a wide range of Clubcard Reward Partners for eating out, family fun days or hotel breaks and travel.
Top Credit Card FAQs
If you think your card has been lost or stolen, you should let us know straight away using Online Banking or our Mobile Banking App.
Log in to Online Banking, click on the arrow to expand your account and open the ‘Your Card’ feature by clicking the ‘More’ button:
From there you will be able to report it either lost or stolen, where we’ll block and cancel your card and send you a new one within 7 days.
If you have any additional card holders, they’ll also get a new card - so be sure to let them know.
Using our Mobile Banking App, open the ‘Lost or stolen card’ feature in ‘Account management’ on iOS or by clicking the button at the bottom of the screen on the left-hand side on Android:
From there you will be able to block your card, all transactions (except pending transactions) and any additional card holders. Unblock your credit card if you find it again.
Report it either lost or stolen and order a new card.
Alternatively you can call us on 0345 300 4278*, Textphone 01423 532 152 or +44 1268 508 027 if you're calling from abroad. This service is available 24 hours a day, 7 days a week.
Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
Don't worry, there's no need to contact Tesco Bank and inform us that you're going abroad. Your credit card will automatically work in shops and cash machines just like it does in the UK.
Read more about our international fees, charges and security.
Some other things to consider:
- Check your credit card to make sure it doesn’t expire while you’re abroad.Check your credit card to make sure it doesn’t expire while you’re abroad.
- Take more than one card with you in case you lose your card or it becomes damaged.Take more than one card with you in case you lose your card or it becomes damaged.
- Make sure you have our overseas contact telephone number with you (+44 1268 508027).Make sure you have our overseas contact telephone number with you (+44 1268 508 027).
- If you're using your card online when you're abroad, you may experience a delay in receiving the code we send to your phone to check it's you making the purchase.If you're using your card online when you're abroad, you may experience a delay in receiving the code we send to your phone to check it's you making the purchase.
- Consider setting up a direct debit or standing order to cover any payments due while you’re away. Find out more about paying your credit card in our existing FAQ.Consider setting up a direct debit or standing order to cover any payments due while you’re away. Find out more about paying your credit card in our existing FAQ.
- Make sure we have your up-to-date contact details including your mobile telephone number.Make sure we have your up-to-date contact details including your mobile telephone number.
- If your cards are registered with a card protection agency, ensure you have their contact telephone number and policy number with you.If your cards are registered with a card protection agency, ensure you have their contact telephone number and policy number with you.
- If you or an additional cardholder buy foreign currency from Tesco Travel Money with your Tesco Bank Credit Card, either through our website or at an in-store bureau, this will be treated as a purchase transaction. If you buy foreign currency or travellers cheques from any other seller, this will be treated as a cash advance which will incur fees and charges.If you or an additional cardholder buy foreign currency from Tesco Travel Money with your Tesco Bank Credit Card, either through our website or at an in-store bureau, this will be treated as a purchase transaction. If you buy foreign currency or travellers cheques from any other seller, this will be treated as a cash advance which will incur fees and charges.
- Don’t let your card out of your sight, especially when making purchases in restaurants and bars.Don’t let your card out of your sight, especially when making purchases in restaurants and bars.
- Familiarise yourself with your PIN before travelling and don’t give your PIN or Online Banking security details to anyone – even if they claim to be from the police or your card company.Familiarise yourself with your PIN before travelling and don’t give your PIN or Online Banking security details to anyone – even if they claim to be from the police or your card company.
- Shield your PIN with your free hand when typing it into a keypad in a shop or at a cash machine.Shield your PIN with your free hand when typing it into a keypad in a shop or at a cash machine.
- Should you lose your card, you can block your card permanently or temporarily via the Mobile Banking App. For more info please see our lost and stolen FAQ.Should you lose your card, you can block your card permanently or temporarily via the Mobile Banking App. For more info please see our lost and stolen FAQ.
- Should you block your PIN whilst abroad, you may not be able to unblock it using a foreign ATM.Should you block your PIN whilst abroad, you may not be able to unblock it using a foreign ATM.
When you get back:
- Check your credit card statements carefully for unfamiliar transactionsCheck your credit card statements carefully for unfamiliar transactions
- If there are any, report them to us as soon as possible on 0345 300 4278*If there are any, report them to us as soon as possible on 0345 300 4278*
Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
If you don’t recognise a transaction at all, please visit our unrecognised transactions page for more information.
But if there’s a problem with something you’ve bought, and you can’t sort it out with the retailer, we may be able to get your money back for you. This is because you have extra protection when you pay with Visa or MasterCard called a chargeback.
There are a lot of different reasons you may be able to make a chargeback. For example, if you bought something online that was broken, or you couldn’t return it, or if you paid for a holiday that was cancelled.
Make sure you’ve tried to sort the problem out with the retailer first. They can also challenge your claim which, if it’s valid, might mean we have to re-debit your account.
Have anything related to your purchase on hand while you fill out the form like receipts, a copy of the retailer’s terms and conditions and any emails or letters you’ve written or received.
There are some rules around asking for a chargeback. Check out these details:
- Usually, you’ll need to ask for a chargeback within 120 days of the transactionUsually, you’ll need to ask for a chargeback within 120 days of the transaction
- Or, if you’ve bought something like a holiday or concert ticket that takes place after 120 days, that can be extended up to 540 daysOr, if you’ve bought something like a holiday or concert ticket that takes place after 120 days, that can be extended up to 540 days
- If you’re asking for a chargeback on a wrong transaction amount or a duplicate transaction you have 90 days to make a chargeback claim.If you’re asking for a chargeback on a wrong transaction amount or a duplicate transaction you have 90 days to make a chargeback claim.
Please visit our chargeback pages to make a claim online.
There are a few ways you can check your credit card balance:
- Log in to Online Banking and your balance will be shown on the Online Banking Overview.Log in to Online Banking and your balance will be shown on the Online Banking Overview.
- Log in to the Mobile Banking App and your balance will be shown on the main screen. If you’ve got more than one product with Tesco Bank you might need to scroll left or right to find your credit card.Log in to the Mobile Banking App and your balance will be shown on the main screen. If you’ve got more than one product with Tesco Bank you might need to scroll left or right to find your credit card.
- Phone our 24/7 customer service line on 0345 300 4278*. If you are Deaf, hard of hearing or speech-impaired, contact us through Relay UK. Just add 18001 to the start of any contact numbers.Phone our 24/7 customer service line on 0345 300 4278*. If you are Deaf, hard of hearing or speech-impaired, contact us through Relay UK. Just add 18001 to the start of any contact numbers.
Select option 2 for general enquiries. You'll be asked to enter your 16-digit credit card number so please have this ready. If you’ve registered for Online Banking you'll also need to enter selected digits from your security number. Then, select option 1, and your balance will be read out to you.
Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
Requesting an increase is easy, you can do this in the comfort of your home by logging in to Online Banking, selecting your credit card, clicking 'More' and then 'Credit limit'. Or if using our Mobile Banking App, simply head to the 'Account Management' section and select 'Manage credit limit'.
Approval of any credit limit increase depends on your circumstances. By requesting a credit limit increase you are authorising us to review your credit history and any other relevant information required to process your request. You'll not be eligible for a credit limit increase if:
- Your credit limit has changed in the last 10 months (increase or decrease)Your credit limit has changed in the last 10 months (increase or decrease)
- You’ve had your credit card for less than 6 monthsYou’ve had your credit card for less than 6 months
- You have more than one credit card in your nameYou have more than one credit card in your name
- You’re over your current credit limitYou’re over your current credit limit
- You're in arrears and with our collections team (due to outstanding payments)You're in arrears and with our collections team (due to outstanding payments)
Please carefully consider any increase to your credit limit as it may increase the risk of taking on too much debt, which may be costly or take a long time to pay off.
Decreasing your credit limit can be done easily and at any time by logging into Online Banking or our Mobile Banking App and following the same steps as mentioned earlier. The minimum that you'll be able to decrease your limit to is £100, or 105% of your current balance.
Contact us - we're here to help
Have a question or need help applying? Our friendly, UK-based customer service team is here to help.