Tesco ClubCard Credit VS Lloyds Avios Mastercard

twotonealex

Hey All,

I have the Amex side of avios earning down to a T, but mastercard is another story.

The Lloyds Avios:
1.25 per £5 spent

Tesco Credit:
1 Clubcard point per £4, 250 points = 600 Avios.

Will someone help me understand what I would actually benefit more from? I am unable to get my head around the conversion!

If you could base it on £100 spend?

Cheers,
Alex

guesswho2000

twotonealex wrote: »

Hey All,

I have the Amex side of avios earning down to a T, but mastercard is another story.

The Lloyds Avios:
1.25 per £5 spent

Tesco Credit:
1 Clubcard point per £4, 250 points = 600 Avios.

Will someone help me understand what I would actually benefit more from? I am unable to get my head around the conversion!

If you could base it on £100 spend?

Cheers,
Alex

Tesco £100 = 25 Clubcard points (ignoring any earned if that £100 was spent in Tesco) = 60 Avios (0.6 per £)

LLoyds MC £100 = 25 Avios (0.25 per £).

Don't forget the Tesco rate only applies if you spend in exact multiples of £4 - if you spend £3.99 you get no points. If you spend £399.99 per month, in 100x transactions of £3.99, you get no points. But in general, you're better off with Tesco's card.

twotonealex

That's great, I managed to work out some figures in the end but thanks for helping with that, it's much appreciated!
Cheers