Loyalty cards can be useful in securing store discounts and
saving money. However, they're also a clever ploy by companies to
ensure you return to the shop and spend more
cash. Watch My Wallet explains how to
get the most out of your Tesco Clubcard and where you should draw
the line with consumer loyalty.
How Can I Earn More Tesco Clubcard Points?
You earn 1 point for every pound spent at Tesco supermarket, and
this changes to 1 point for every £2 spent on fuel.
Similarly, points can be gained from Tesco mobile (3 points to
every £1), the opticians (1 point to every £1), and as part of
their recycle scheme which gives a point for every bag reused.
Each point is worth a penny, and they are sent out as vouchers
every three months.
Tesco is also willing to add points on after the time of
purchase. This means that if you've popped to the shops and
forgotten your club card, you can reclaim the points at a later
This system can be exploited by extreme moneysavers who take
advantage of a trend known as "wombling". The basic idea of "wombling" is
that you pick up random receipts off the floor and redeem discounts
or points earned from someone else's purchases. Technically, you'd
be misleading the cashier, so it's not something Watch
My Wallet would recommend.
How Can I Make the Most of Tesco Clubcard Points in the
Tesco points can help to reduce your grocery bill while also
making it easier to budget future shopping trips. The vouchers can
also be used on petrol, clothing, wine, the opticians, travel
insurance, technology and entertainment items.
There are a few exceptions, such as cigarettes and the national
lottery. However, you can use vouchers to secure discounts on most
other everyday products.
Despite the vouchers, the deal may not always be the cheapest.
Check to see if you can find the product for less in other
supermarkets by using the My Supermarket app. Use the vouchers to get
discounts from Tesco when they offer the cheapest price, but still
shop around to see if you can save money elsewhere.
Get familiar with your rights and the language of vouchers to
ensure you are getting the most out of them. Read our guide
to extreme couponing to see how to use
vouchers to the maximum.
Wombling - would you stoop this low to save
Get Free Nectar points - Earn £1 worth of Nectar
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How to get free Nectar points forever
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Can I Use my Tesco Shopping Vouchers in Other Places?
Vouchers can be exchanged for rewards which have a higher value. At the
moment, £5 of clubcard vouchers are worth up to £20 when exchanged
for a Tesco reward voucher, which is a great deal.
There are over 600 different rewards on offer, including cinema
tickets, restaurant deals, holiday packages, and day trips. These
vouchers can be really good value, and come in handy if you're
trying to keep the kids occupied over the holidays while on a
Will a Tesco Loyalty Credit Card Save Me Money?
Tesco's credit card offers a slightly higher number of points
than the regular clubcard, such as Nectar. The biggest benefit is that you
accumulate points on all purchases made on the card, including
things bought at other shops. This means you can earn substantially
more points and save more money in the long run.
The credit card can be beneficial if you pay the full balance
off each month. However, if you can't pay it all off, it may be
worth looking at other credit cards that have more benefits that
suit your needs. It is also easier to fall into debt when using a
credit card so be sure to scrutinise your budget carefully before
Visit the Tesco website for more information on how
you can save money with the clubcard.