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Home / Credit Cards / Tesco Lotus Visa Platinum

Tesco Lotus Visa Platinum

The new Tesco Lotus Visa Platinum Card now containing your Club Card number is the contactless payment innovation from Visa payWave which gives you more convenience and joy in shopping with various privileges to suit lifestyle in each day and each special moment. Card members receive more value faster. When using Tesco Lotus Visa Platinum Card in Thailand and in other countries, card members accumulate points that can be redeemed for Club Card cash coupon for use as discount in your next shopping at Tesco Lotus.


  • Privileges
  • Points
  • Purchasing Power

Exclusive Privileges Only For
Tesco Lotus Visa Platinum Card Members

3 Easy steps to earn Clubcard points with Tesco Lotus Visa Card at Any Tesco Lotus

Tesco Lotus Credit Card Points

  • For every Baht 20 purchase at any merchant outlets, card members earn 1 points and 1 Tesco Lotus Visa Rewards (equivalent to 10 Club Card points or Cash Coupon value 0.5% of the spending).
  • For every Baht 20 purchase at Tesco Lotus and Tesco Lotus Shop Online, card members earn 6 Tesco Lotus Visa Rewards points and 10 Club Card points (equivalent to 70 Club Card points or Cash Coupon value 3.5% of the spending).

Transfer of Tesco Lotus Visa Rewards to Club Card and Delivery of Club Card Cash Coupons

  • In each quarter, every 250 points from your Tesco Lotus Visa Platinum Card will be converted to 2,500 Club Card points for redemption of Baht 25 Cash Coupon for use at any branches of Tesco Lotus.
  • Your Tesco Lotus Visa Platinum Card point balance will be converted to Club Card points for redemption of Club Card Cash Coupon in January, April, July and October every year.

Remark: You may check your Tesco Lotus Visa Credit Card points that are converted to Club Card points at Club Card Service Center Tel 1712 press 1 press 3 on the 15th of February, May, August and November.

Increase your purchasing power

  • Enjoy interest-free period of up to 50 days, subject to the posting date and the due date.
  • Apply for up to 4 supplementary cards per one principal card/li>
  • Temporary increase of credit line in case of emergency i.e. while traveling, emergency expenses.

Emergency Cash Advance at Anytime

  • Withdraw cash from ATM with logo 24 hours up to 100% of your credit line.
  • Change PIN at any Krungsri ATM nationwide.
  • Withdraw cash from various channels, i.e. Tesco Lotus Visa Credit Card Service Center Tel 1712 or www.tescolotusfs.com or Tesco Lotus Money Service mobile app.

Convenient Payment Methods

  • Pay without fee! at any Tesco Lotus
  • Pay at Bank of Ayudhya, Bangkok Bank, Krungthai Bank, SCB, KBank, or anywhere with logo

Flexible Payment

  • Pay minimum 10% of the outstanding amount with maximum interest and credit line fee at 20% per annual.
  • Choose payment plan by paying equal monthly installments for products or services with Tesco Lotus Visa Credit Card with special interest rate at 0%-0.8% at Tesco Lotus and participating merchant outlets nationwide.
  • Convert any transaction items to payment plan with only 0.8% interest per month for up to 10 months.
  • Enjoy one-bill payment for electricity charges, water charges, mobile phone charges and cable TV charges with monthly automatic debit to your Tesco Lotus Visa Credit Card.
  • Pay insurance premium and mutual fund for tax deduction i.e. Tesco Broker Insurance Co., Ltd., AIA PLC and Krungsri Asset Management Co.Ltd. (specified LTF and RMF only).

Smart Account Management

  • Check the credit balance, outstanding payment, minimum payment, due date and points by sending the last 4 digits of your credit card via SMS to 081 250 7777.
  • Manage your account and check unbilled transactions at www.tescolotusfs.com or from mobile app.

Online Shopping with Confidence

  • Enhanced safety with 3D Secure for every internet transaction with PIN / OTP and Personal Assurance Message.
Payment by VISA payWave

VISApayWave is a contactless payment method which helps you pay faster without inserting or swiping the card with the reader.

Benefits of VISA payWave

Fast purchase and no queuing.
Convenientas it is used instead of cash.
Safewith self-service payment.
Time-savingsince no signature required on product/service slip./span>

2 Ways to use VISA payWave

  • By waiving the card, card members are not required to sign in the sales slip for transaction below Baht 1,500 at any merchant outlets worldwide with logo.
  • By swiping or inserting the card, card members must sign the sales slip for purchase of products or services at any merchant outlets worldwide with logo.

Merchant Outlets accepting VISA payWave (only those with )

Interest Rates & Fees
Payment Channels
  • No fees! when you pay for Tesco Lotus Visa Platinum Card at every Tesco Lotus branch. Your credit line is adjusted instantly upon payment. Click here to find branches
  • Pay at bank tellers.
  • Pay via ATM with automatic debit.
  • Pay at any service points with logos.
Payment Fees
Privileges Conditions

Terms and Conditions for receiving Club Card Cash Coupons with a maximum discount of 3.5%
Spending at every branch of Tesco Lotus and Tesco Lotus Online Shop with payment via Tesco Lotus Visa Platinum Credit Card and presentation of a Club Card number can be traded for Club Card cash coupons offering a 3.5% discount on total spending not exceeding 15,000 baht per billing cycle per account. Outstanding spending exceeding 15,000 baht will be eligible for a 1.5% discount cash coupon/one billing cycle/account.
The reward points from the Tesco Lotus Visa Credit Card and Club Card will be automatically transferred to the Club Card, which will be converted to Club Card cash coupons every 3 months. The coupons will be delivered by Tesco Lotus in compliance with the terms and conditions of the Tesco Lotus Club Card at www.tescolotus.com.
Club Card coupons for the first 15,000 baht in spending comprise 3% cash coupons for spending via credit card. (Every 20 baht in spending with the Tesco Lotus Visa Credit Card receives 6 reward points. The first 2 reward points will be shown in the customer’s billing cycle for the same period in which the spending took place. The remaining 4 reward points will be shown in the billing cycle within 60 days from the date of the spending). Any amount exceeding 15,000 baht in spending will receive 1% Club Card cash coupons. (Every 20 baht spent will receive 10 Club Card reward points.) The company reserves its right to change the terms and conditions without prior notice. The company’s decision is deemed final.

Terms and Conditions for receiving Club Card 0.5% Cash Coupons
Spending from anywhere in the world with the Visa sign, as well as online shopping can be traded for Club Card 0.5% cash coupons. (Every 20 baht spent will receive 1 Tesco Lotus Visa Rewards point. The reward points will be shown in the customer’s billing cycle for the same period in which the spending took place.) The reward pints gained will later be automatically transferred to the Club Card. Exceptions are spending at Tesco Lotus, Tesco Lotus Shop Online, Esso service stations; purchases of mutual funds and AIA insurance policies; installment payments, cash advance withdrawals, transfers of outstanding payments from other cards, fees charged for cash advance withdrawals, expenses arising from debt collection, annual fees, fees of new card issuance in case of loss, interest and fees from usage of the credit line from Tesco Lotus Visa Rewards points.

Terms and Conditions for receiving the maximum 3% Cash Back
Tesco Lotus Visa Platinum Credit Card
Receive 3% cash back at Esso service stations that have joined our promotion nationwide.
There is no minimum payment. The cash-back sum will be credited instantly to the customer’s credit line. The cash-back credit is reserved for gas spending of no more than 1,000 baht per slip at Esso stations, and must not exceed 6 times per one billing cycle. The terms and conditions are valid until December 31, 2017.

Terms and Conditions for receiving the maximum 5% discount from Tesco Lotus Shop Online
For spending of 2,500 baht per sales slip at Tesco Lotus Shop Online between Jan. 1 and Dec. 31, 2015.
The company offers cash coupon returns from Tesco Lotus Visa Rewards points, which will be transferred to Club Card reward points. The combined reward points can be traded for cash coupons every 3 months, and will be delivered by Tesco Lotus in compliance with the terms and conditions of the Tesco Lotus Club Card at www.tescolotus.com.
Cash coupon details consist of: 1) Regular 3% cash back coupon for Platinum Card members on spending via the card. (Every 20 baht spent will receive 6 Tesco Lotus Visa Rewards points. The first 2 reward points will be shown in the customer’s billing cycle for the same period in which the spending took place. The remaining 4 reward points will be shown in the billing cycle within 60 days from the date of the spending.) This applies to spending not exceeding 15,000 baht /one billing cycle/account. Amounts exceeding the first 15,000 baht will receive a 1% cash coupon/ one billing cycle/account. (Every 20 baht spent will receive 2 Tesco Lotus Visa Rewards points and be shown in the billing cycle for the same period in which the spending took place.) 2) Additional 2% cash back coupon for every type of card with spending of 2,500 baht/sales slip at Tesco Lotus Shop Online. The customer can trade for additional cash back coupons 1 time/1 card account/month (the 2,500 baht per card account per month is equivalent to 500 reward points). The company will present the benefits in the form of Tesco Lotus Visa Rewards points, and then transfer the points to the cardholder’s account within 60 days from date of the spending. Please note that spending on alcoholic drinks and cigarettes, instalment payments and interest does not qualify.

Terms and Conditions for receiving 5-Time Reward Points
For spending via Tesco Lotus Visa credit cards at shops that join our promotions and are located inside Tesco Lotus shopping centers from today until Dec. 31, 2015.
For restaurants that join our promotion, every 300 baht/sales slip spent via cards receives 5 times the Tesco Lotus Visa Rewards points to a maximum of 750 points/card account/month (equivalent to maximum spending of 3,000 baht/month). For the IT & Technology and Shopping & Lifestyle departments under the promotion, every 800 baht/sales slip spent via the cards receives 5 times the Tesco Lotus Visa Rewards points to a maximum of 800 points/card account/month (equivalent to maximum spending of 3,200 baht/month). Every 20 baht spent will be calculated for one regular reward point in addition to 4 special reward points at the participating shops. The company will credit the special reward points to the customer’s account within 3 days from the date of the customer’s transaction. This promotion cannot be used with other sales promotions. The company reserves its right to change the terms and conditions without prior notice.

Terms and Conditions for receiving 10% discount on car insurance purchases
This offer is available at every branch or Customer Service Center of Tesco Lotus from today until Dec. 31, 2015.
Receive a 10% discount on the purchase of a voluntary motor insurance when the full premium amount is paid via Tesco Lotus Visa Credit Card, equivalent to 16,000 baht and up per item at financial service counters and insurance brokers at Tesco Lotus or Tesco Lotus Insurance Customer Service Center (call 1712, press 2).