MSE News: Tesco updates PayQwiq app with new Clubcard offer

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Tesco has revamped its payment app and added a new offer to collect bonus Clubcard points...
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'Tesco updates PayQwiq app with new Clubcard offer'

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'Tesco updates PayQwiq app with new Clubcard offer'

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How can anyone refuse such a generous offer?
I used the previous version, PayQwiq, a few months ago when they offered 50 points a pop for the first ten uses.
It seems like another solution looking for a non-existent problem to fix. It's not even contactless.
Android Pay, and presumably the iThing's equivalent, can store loyalty cards.
Tesco Pay+ doesn't have very much to offer me, especially as it doesn't allow punters to add a re-loadable Tesco gift card for payment, which I have and top up with a 4% discount.
How do u get the 4% discount for the topup is this through your credit card company?