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Buy Now Pay Later

What is Buy Now Pay Later/ BNPL and can I get it?

Our Buy Now Pay Later scheme enables UK Tesco Credit Card holders to make purchases from Tesco Direct on selected items interest free for a fixed number of months. Depending on which product you have bought the offer of Buy Now – Pay Later will be for 6 or 12 months. During this time you will not have to make any payment on these items. Please read the specific terms which apply to this special offer.

This scheme offers Buy Now - Pay Later for a set period for selected items bought from Tesco Direct, using a UK personal credit card issued by Tesco Personal Finance.

The offer applies to selected items only, available for purchase at www.tesco.com and over the phone.

Will I earn Clubcard points on any BNPL purchases?

Yes. You will continue to earn Clubcard points at the standard rate for your credit card. Please check your credit card terms and conditions for full details of these rates.

If I am buying several products with different BNPL offers attached, which offer will apply?

The longest BNPL period will be applied to the entire basket.

Will my BNPL transaction be included when calculating my monthly minimum payments?

No. Your monthly payments will be calculated excluding any BNPL purchases. So if you have only a BNPL transaction on your balance you will have no minimum repayments to make.

Can I pay off my BNPL purchase before the interest free credit period expires?

Yes, You can pay off the BNPL section of your balance at any stage before the BNPL period expires. You can do this by making an over payment to your account; paying off your full balance amount and your BNPL balance amount. You can also pay all or part of the balance off with a debit card, at any time, by contacting Tesco Personal Finance on 0845 300 7183.

If I normally clear all my balance in full every month by Direct Debit, will my BNPL purchases be automatically cleared each month?

No. Buy Now - Pay Later balances will not be cleared until the end of the Buy Now - Pay Later period, when they will be taken from your account at the next Direct Debit date. Up until which time no interest will be charged.

How will I be able to identify BNPL balances on my Credit Card statement?

Your statements will show your Buy Now - Pay Later balances separately within the summary of balances section.

Will I be reminded when the BNPL period is due to expire?

Yes. Your statements will warn you 2 months and 1 month prior to the expiry of your BNPL offer when your interest free period is about to run out.

What happens when the BNPL period is finished?

At the end of a Buy Now - Pay Later period, the outstanding balance will automatically be treated as a normal purchase balance and charged at your standard purchase interest rate. The amount will, from then on, be included in your minimum payment calculation and will no longer be displayed separately in your summary of balances.

Is the BNPL offer open to any Credit Cardholders?

No. The offer is only available for customers who hold a current credit card issued by Tesco Personal Finance, with sufficient remaining credit limit to purchase the qualifying item(s). This includes customers who hold the following cards: Tesco Classic Credit Card, Tesco Platinum Credit Card, Tesco Bonus Credit Card and Tesco Clubcard Credit Card.

This scheme offers Buy Now - Pay Later for a set period for selected items bought from Tesco Direct, using a UK personal credit card issued by Tesco Personal Finance, excluding Tesco Business Credit Card.

The offer applies to selected items only, available for purchase at www.tesco.com, Tesco Direct store desks and over the phone.

Can I apply for a Tesco Credit Card now?

You can pick up an application pack in store, call to apply on 0800 406 050, or apply on line at www.tesco.com/finance. Tesco Credit Cards are available to UK residents and over 18s only.

For existing Tesco Credit Card customers with queries, please refer to Tesco Personal Finance on 0845 300 4277†.

Tesco Direct and Tesco Credit Card: Buy Now - Pay Later Special Offer

How to take advantage of Buy Now Pay Later

Please note that to take advantage of the offer you must have sufficient credit to cover the full cost of your order and pay with an approved UK Tesco Personal Finance credit card.

1. Add the product to your basket and proceed to checkout as usual.
2. At checkout you will be asked to tick a box to opt into Buy Now Pay Later that will apply to your whole order. Please read the details of the offer, as shown below, before doing this. If you return to your basket from the checkout page Buy Now Pay Later will be removed.
3. Enter your TPF credit card details and confirm your order as usual.
4. On your next credit card statement your Buy Now Pay Later transaction will be clearly listed separately.

How the Scheme Operates

Our Buy Now - Pay Later scheme enables UK Tesco Credit Cardholders, with sufficient credit, to make purchases from Tesco Direct of selected items interest free for a fixed number of months. During this time you will not have to make any payment on these items or any other items which you pay for at the same time. Please read the following terms which apply to this special offer.

This scheme offers Buy Now - Pay Later for a set period for selected items bought from Tesco Direct, using a UK personal credit card issued by Tesco Personal Finance, excluding Tesco Business Credit Card.

The offer applies to selected items only, available for purchase at www.tesco.com and over the phone.

The offer is only available for customers who hold a current UK credit card issued by Tesco Personal Finance, with sufficient remaining credit limit to purchase the qualifying item(s).

If you would like to take up the offer and if purchasing over the phone please let the member of staff know when you place your order. If you are purchasing from www.tesco.com, you will be prompted to tick a box saying that you wish to opt into the scheme, where applicable. Your card and credit limit will then be validated.

Depending on which product you are buying, the offer of Buy Now - Pay Later will be for 6 or 12 months.

When you buy a number of items from Tesco Direct with your Tesco Credit Card, the longest Buy Now - Pay Later offer period will apply to your whole transaction.

During the Buy Now - Pay Later period you will not be charged interest on the Buy Now - Pay Later balances on your account. Also, your regular minimum payment will be calculated excluding any Buy Now - Pay Later balances on your account.

If you normally clear your credit card balance in full every month by Direct Debit please be aware that Buy Now - Pay Later balances will not be cleared until the end of the Buy Now - Pay Later period , when they will be taken from your account at the next Direct Debit date, up until which time no interest will be charged.

Your statements will show your Buy Now - Pay Later balances separately within the summary of balances section and will warn you when your interest free period is about to run out.

You can pay off all or part of your Buy Now - Pay Later balance with a debit card, at any stage, before the Buy Now - Pay Later period expires with no penalties. You can do this by making an overpayment to your credit card account; paying off your full balance amount and your BNPL balance amount or by calling Tesco Personal Finance on 0845 300 7183 and specifically requesting to so. Payments will reduce the Buy Now - Pay Later balances nearest to expiry first.

Standard payments to your account will first be applied to reduce any other balances on your account before reducing your Buy Now - Pay Later balances. Please note that you must always make any minimum payment quoted on your statement.

At the end of a Buy Now - Pay Later period, the outstanding balance will automatically be treated as a normal purchase balance and charged at your standard purchase interest rate. The amount will, from then on, be included in your minimum payment calculation.

If you have any queries regarding BNPL on your Tesco Credit Card we can be contacted on 0845 300 7183 or via textphone on 0870 154 1192 or by requesting Typetalk on 18001 0845 604 04 09. Calls may be recorded. Maximum call charge from a BT landline is 8p plus up to 8p per minute. Calls from other networks may vary.