- No minimum repayments to your Buy Now Pay Later balance.
- No interest for up to 6 months. No worries!
- No deposit.
What is Buy Now Pay Later 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. To find out more about Buy Now Pay Later please use the links below.
I have a Tesco credit card
- What is Buy Now Pay Later (BNPL) and can I get it?
- How Buy Now Pay Later works
- How to take advantage of Buy Now Pay Later?
- Will my BNPL transaction be included when calculating my monthly minimum payments?
- Can I pay off my BNPL purchase before the interest free credit period expires?
- How can I pay off my Buy Now Pay Later purchase?
- If I normally clear all my balance in full every month by Direct Debit, will my BNPL purchases be automatically cleared each month?
- How will I be able to identify BNPL balances on my Credit Card statement?
- What happens when the BNPL period is finished?
- Will I be reminded when the BNPL period is due to expire?
- Is the BNPL offer open to any Credit Cardholders?
I don't have a Tesco credit card
Apply online for a Tesco credit card
What is Buy Now Pay Later (BNPL) and can I get it?
Buy Now Pay Later is an exclusive offer that allows UK Tesco Credit Card holders to purchase selected items from Tesco Direct interest free for a fixed number of months. Buy Now Pay Later applies to selected items only, available via Tesco Direct online and the Tesco Direct Catalogue. This offer is only available to Tesco Credit Card customers who hold a current, UK Credit Card issued by Tesco Personal Finance, with sufficient remaining credit to cover the full cost of their order. Buy Now Pay Later is not available to Tesco Business Card holders.
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.
Choose from a range of selected items at Tesco Direct and use your Tesco Credit Card to benefit from Buy Now Pay Later.
- Buy now, pay nothing for 6 months when you buy selected items over £250.
- Earn extra Clubcard Points with your Tesco Credit Card.
- Exclusive to Tesco Direct.
- A wide selection of products available.
- No deposit.
- No monthly payment required for your Buy Now Pay Later balance.
- No early repayment fees.
- No deferred interest, unlike some of our competitors.
- Exclusive to Tesco Classic, Platinum, Clubcard and Bonus Credit Card customers.
Extra Clubcard Points not applicable with the Tesco Bonus Credit Card.
How Buy Now Pay Later works
Here's an example of Tesco Buy Now Pay Later in action:
- You buy a TV with your Tesco Credit Card at a price of £580.
- Collect 580 Clubcard Points automatically.
- Collect extra Points because you've paid with your Tesco Credit Card. *
- No minimum repayments for 6 months on BNPL purchases.
Typical 16.9% APR (variable)
Terms and conditions
At the end of your Buy Now Pay Later period, the outstanding balance will be treated as a normal purchase balance and charged at your standard purchase interest rate. Your standard purchase interest rate may vary depending on your current Tesco Credit Card purchase rate. A 6 month offer period will apply based on the selected qualifying item. * Extra Clubcard points not applicable with the Tesco Bonus Credit Card.
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.
- Add the product to your basket and proceed to checkout as usual.
- 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.
- Enter your TPF credit card details and confirm your order as usual.
- On your next credit card statement your Buy Now Pay Later transaction will be listed separately in the summary of balances section at the bottom of your statement.
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.
Please note you must always make any minimum payment quoted on your statement.
Can I pay off my BNPL purchase before the interest free credit period expires?
Yes, you can pay off all or part of your BNPL balance at any stage before the BNPL period expires, with no penalties. 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.
How can I pay off my Buy Now Pay Later purchase?
You can pay off all or part of your BNPL balance with your debit card by calling 0845 300 71 83 and specifically requesting to do so at any time and for no additional fee. it will take 5 working days for your BNPL payments to reach your account. Payments will reduce the Buy Now Pay Later balances nearest to expiry first. Standard monthly payments to your account will first be applied to reduce any other balances on your account, before reducing your Buy Now Pay Later balances.
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 Tesco Credit Card statements will show your Buy Now Pay Later balances separately within the summary of balances section at the bottom of your statement.
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, UK credit card, issued by Tesco Personal Finance, with sufficient remaining credit to cover the full cost of their order. This includes customers who hold the following cards:
- Tesco Classic Credit Card,
- Tesco Platinum Credit Card,
- Tesco Bonus Credit Card,
- 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 offer applies to selected items only, available to purchase at www.tesco.com/direct and via the Tesco Direct catalogue.
What is Buy Now Pay Later (BNPL) and can I get it?
Buy Now Pay Later is an exclusive offer that allows UK Tesco Credit Card holders to purchase selected items from Tesco Direct interest free for a fixed number of months. Buy Now Pay Later applies to selected items only, available via Tesco Direct online and the Tesco Direct Catalogue. This offer is only available to Tesco Credit Card customers who hold a current, UK Credit Card issued by Tesco Personal Finance, with sufficient remaining credit to cover the full cost of their order. Buy Now Pay Later is not available to Tesco Business Card holders.
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.
Choose from a range of selected items at Tesco Direct and use your Tesco Credit Card to benefit from Buy Now Pay Later.
- Buy now, pay nothing for 6 months when you buy selected items over £250.
- Earn extra Clubcard Points with your Tesco Credit Card.
- Exclusive to Tesco Direct.
- A wide selection of products available.
- No deposit.
- No monthly payment required for your Buy Now Pay Later balance.
- No early repayment fees.
- No deferred interest, unlike some of our competitors.
- Exclusive to Tesco Classic, Platinum, Clubcard and Bonus Credit Card customers.
Extra Clubcard Points not applicable with the Tesco Bonus Credit Card.
How can I get Buy Now Pay Later?
To qualify for Buy Now Pay Later you need to have a Tesco Credit Card.
To apply for a Tesco Credit Card:
Tesco Clubcard Credit Card
Fastest way to collect Clubcard Points!
Typical 16.9% APR (variable).
I want to apply for a Tesco Credit Card
To apply for a Tesco Credit Card:
Tesco Clubcard Credit Card
Fastest way to collect Clubcard Points!
Typical 16.9% APR (variable).
How Buy Now Pay Later works
Here's an example of Tesco Buy Now Pay Later in action:
- You buy a TV with your Tesco Credit Card at a price of £580.
- Collect 580 Clubcard Points automatically.
- Collect extra points because you've paid with your Tesco Credit Card. *
- No minimum repayments for 6 months on BNPL purchases.
Typical 16.9% APR (variable)
Terms and conditions
At the end of your Buy Now Pay Later period, the outstanding balance will be treated as a normal purchase balance and charged at your standard purchase interest rate. Your standard purchase interest rate may vary depending on your current Tesco Credit Card purchase rate. A 6 month offer period will apply based on the selected qualifying item. * Extra Clubcard points not applicable with the Tesco Bonus Credit Card.
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.
- Add the product to your basket and proceed to checkout as usual.
- 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.
- Enter your TPF credit card details and confirm your order as usual.
- On your next credit card statement your Buy Now Pay Later transaction will be listed separately in the summary of balances section at the bottom of your statement.
Is the BNPL offer open to any Credit Cardholders?
No. The offer is only available for customers who hold a current, UK credit card, issued by Tesco Personal Finance, with sufficient remaining credit to cover the full cost of their order. This includes customers who hold the following cards:
- Tesco Classic Credit Card,
- Tesco Platinum Credit Card,
- Tesco Bonus Credit Card,
- 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 offer applies to selected items only, available to purchase at www.tesco.com/direct and via the Tesco Direct catalogue.
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.
Tesco Clubcard Credit Card
Fastest way to collect Clubcard Points!
Typical 16.9% APR (variable).
If you have any queries regarding Buy Now Pay Later 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.
Max call charge from a BT landline is 6p, plus up to 2p per minute. Calls from other networks may vary. Calls may be recorded.
Tesco Credit Cards are available to UK residents and Over 18s only. BNPL is not available to Tesco Business Credit Card holders or Tesco Ireland Credit Card holders.