2 Year 0% Balance Transfer Fee Free Credit Card + possible cashback - £31.50 @ Tesco Bank

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2 Year 0% Balance Transfer Fee Free Credit Card + possible £31.50 cashback @ Tesco Bank

£31.50 Tesco Bank8 Jul 16

Source: HotUKDeals | Deals > All categories

Opening post

Chanchi32

8 Jul 16

Tesco have moved their fee free balance transfer card from 21 months to 24 months - so 2 years 0% with no fee.

Best 2 year fee free balance transfer deal in my opinion as no additional conditions upon acceptance e.g. AA has a £500 min balance transfer condition and Halifax only guarantees the headline offer for a % of customers

£31.50 TCB as a bonus

Top comments

maccy1

8 Jul 16 9 #2

£31.50 cash back as well?

http://4.bp.blogspot.com/-mE5gz3xD8eE/T4x_ki-0TCI/AAAAAAAAA9k/ES4dMG45bM0/w1200-h630-p-nu/surprised-baby.gif

I'm shocked :laughing:

maccy1

8 Jul 16 8 #6

Not often I'm lost for words, but who doesn't like...

http://media3.giphy.com/media/xDqnFsdTb1i2Q/giphy.gif

:laughing:

937666 to muffboy

8 Jul 16 6 #9

vassy4u

8 Jul 16 5 #12

Heat added OP :smiley:

All comments (51)

Chanchi32

8 Jul 16 4 #1

TCB link https://www.topcashback.co.uk/tesco-bank-credit-card-with-no-bt-fee/

maccy1

8 Jul 16 9 #2

£31.50 cash back as well?

I'm shocked :laughing:

Chanchi32 to maccy1

8 Jul 16 5 #5

Two people lost for words on Friday

Must get Zippy to spread the word of free money

http://stream1.gifsoup.com/view1/1316982/zippy-2-o.gif

muffboy

8 Jul 16 #3

cblfal

Chanchi32 to muffboy

8 Jul 16 4 #4

You must be lost for words muffboy :smiley:

937666 to muffboy

8 Jul 16 6 #9

maccy1

8 Jul 16 8 #6

Not often I'm lost for words, but who doesn't like...

:laughing:

sradmad

8 Jul 16 5 #7

Free money im in, heat added chanchi :smiley:

937666

8 Jul 16 3 #8

Good find op, heat added :wink:

ollie87

8 Jul 16 1 #10

Why are all these gifs so short?

Bigfootpete to ollie87

8 Jul 16 1 #20

Possibly a space restriction - they used to have the user pictures as gif's but not any more :disappointed:

4737carlinsir to ollie87

8 Jul 16 #32

As children they didnt eat their crusts

BenderRodriguez to ollie87

9 Jul 16 1 #41

http://www.wired.com/wp-content/uploads/2015/03/8552.gif

bellboys

8 Jul 16 1 #11

Whether it'a good thing or not is open to conjecture but Tesco credit cards have very low %tage min monthly payback terms.

vassy4u

8 Jul 16 5 #12

Heat added OP :smiley:

cjdean1983

8 Jul 16 1 #13

Heat. Looks like £29 quidco for any non TCB users

gurdevshehri

8 Jul 16 #14

Can I get the credit card, and then I can use it whenever I like, and I don't get charged for 2 years? What happens after the 2 years? And what do people usually do after the 2 years?

agnostic to gurdevshehri

8 Jul 16 3 #15

Who`s going to tell him?

Lord vader to gurdevshehri

8 Jul 16 #17

Yeah, obviously,get one , get two!

Lord vader

8 Jul 16 1 #16

I got this last year. Good card and cheap- acts as a clubcard as well.

Be warned the cashback takes months to come through.

daBluone

8 Jul 16 1 #18

f I already have a Tesco Credit Card, can I apply for another one?

started by Employee Nick_F on ‎27-04-2015 10:41 AM - last edited on ‎19-10-2015 10:10 AM by Employee mattpj

Yes, subject to a successful credit check, and as long as you have not applied for a Tesco Bank credit card in the last month or have an application currently in progress, you can hold more than one credit card with Tesco Bank.

Trapperuk

8 Jul 16 #19

anyone know how I can predict what the limit they will offer? or how they work it out?

Chanchi32 to Trapperuk

8 Jul 16 1 #25

Depends on a number of factors so difficult to say as each lender has different scorecards and credit line strategies, but influencing factors will be:

- Balance Transfer intention - generally lenders will give you more credit limit headroom if you indicate in the application that you intend to do a balance transfer
- Your income vs your expenditure including debts held elsewhere e.g. how indebted you maybe. They will also use information available from credit reference agencies

ta

ollie87

8 Jul 16 2 #21

http://www.imgur.com

summerof76

8 Jul 16 4 #22

Money for nothing :wink: Thanks for posting :laughing:

bsb007

8 Jul 16 1 #23

Have used them twice in the past.. excellent as long as you are within control to take advantage during promotional period and pay back.

veedubjai

8 Jul 16 2 #24

:smile::laughing:

jaffanator

8 Jul 16 #26

I've had a quick look around the site but can't find any info on when this offer ends. Anybody any info on this?

Chanchi32 to jaffanator

8 Jul 16 1 #28

No offer ends date I can see - usually depends on what the other card providers are offering and current trend has been fee free balance transfer offers getting longer.

That said given current economic environment and uncertainty I could see some of the lenders tighten up their credit policy and also reduce credit limits for new accounts, so maybe better getting a fee free balance transfer sooner rather than later if you are in the market to shift a balance.

HotOrNotYouDecide

8 Jul 16 1 #27

I have an average credit history and never had a credit card before. They offered me ££3,700 which I gladly took to help improve my credit score. Keep the usage low to help improve your credit score.

rooney10

8 Jul 16 #29

Anyone know if it is possible to do a balance transfer from 2 different cards onto the new Tesco one or does it only allow you to do one single transfer from another card ?

Obviously providing the total transferred was within the set credit limit :wink:

Chanchi32 to rooney10

8 Jul 16 1 #33

Can't see why not - maybe phone to double check

edit: gary rip confirmed can do multiples - comment 35

summerof76

8 Jul 16 4 #30

Wow 'thats a big helmet' :confused::laughing:

937666

8 Jul 16 4 #31

Took your time with that reply :wink:

jaffanator

8 Jul 16 1 #34

Sound advice, thanks.

gary_rip

8 Jul 16 2 #35

I did from three different cards as part of the application... Option to do even more.

Chanchi32

8 Jul 16 #36

thanks for confirming gary

Chanchi32

8 Jul 16 1 #37

Forgot to mention - you can also get 1000 Clubcard bonus points if an existing Tesco Bank cardholder refers you (they also get 1000 points)

You can do this retrospectively e.g. up to 2 months once the account is opened. This stacks on top of any cashback however Tesco have been very slow at crediting the points recently, reports of taking a few months and having to follow up with customer service

https://www.tescobank.com/assets/sections/credit-cards/pdf/tesco-credit-cards-recommend-friend.pdf

rooney10 to Chanchi32

9 Jul 16 1 #42

If I have just opened an account then and recommend a friend who opens an account , obviously we would both qualify for the points but could my friend then recommend me (retrospectively) so we get 2000 each for the 2 new accounts ?

AStonedRaichu

9 Jul 16 #38

I already have the 6% no promotional card, can I apply for this too?

Chanchi32 to AStonedRaichu

9 Jul 16 #39

is that a Tesco credit card legacy product?

comment 18 by daBluone

"If I already have a Tesco Credit Card, can I apply for another one?

started by Employee Nick_F on ‎27-04-2015 10:41 AM - last edited on ‎19-10-2015 10:10 AM by Employee mattpj

Yes, subject to a successful credit check, and as long as you have not applied for a Tesco Bank credit card in the last month or have an application currently in progress, you can hold more than one credit card with Tesco Bank.

AStonedRaichu

9 Jul 16 1 #40

Not sure about legacy but it's a Tesco Clubcard Credit Card Low APR card,

I'll give it a go thanks Chanci

Chanchi32

9 Jul 16 1 #43

Interesting question, reading the terms and conditions I cant see anything that would stop this.

However if for any reason they didn't credit the points they could argue that your friend was not an existing cardholder when you got the card. That said their terms and conditions don't cover this so should honour them.

Also if any problems go direct to the CEO customer service office, will be resolved much quicker :smiley:[email protected]

rooney10

9 Jul 16 1 #44

Gone for it anyway , nothing to lose really :wink:

alastairgreen

11 Jul 16 #45

This worked for me a while ago.. Brilliant

cts_casemod

20 Jul 16 #46

I just signed for this two weeks ago (for the 21months deal) received the card today (haven't activated)

Can I ask the new deal?

Chanchi32 to cts_casemod

21 Jul 16 #47

phone customer service and ask - nothing to lose

tkop

23 Jul 16 #48

Great deal; Thank you OP. I had a balance on another CC which was coming to the end of it's 0% period. Applied for the Tesco CC and got 19k credit limit in 5 minutes, wow! They also accepted the transfer from my other CC. A bit worrying that banks are giving out so much 'free' (before anyone jumps on this I mean 0% for 2 years) cash; trends of pre-2008 lending! My CC is going in the safe so that I am not tempted by the remaining 13k available credit on it. You get 3 months 0% balance transfers and also 1 month 0% on all purchases!

Alansmithee to tkop

12 Aug 16 #50

I've just done it and was thinking the same thing - I haven't swopped cards in a while and thought it would offer something like £3000 or £4000, I also got offered 19K - god grief! - I might ring them and get them to reduce it once it's set-up.

mspychala

7 Aug 16 #49

How hot is this? £30 cashback + my girlfriend will reffer me so we both get 1000 Clubcard Points!

senukas

3 Mar 17 #51

Happy days! Played this offer to the full advantage. As I already have Tesco cc I have referred my wife, got £33.30 TCB plus 1000 clubcard points each. Then she referred me so I applied for my second Tesco cc, again £33.30 TBC plus 1000 points each. All confirmed and applied to relevant accounts :smiley:
Cheers OP!

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