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And one thing that’s really making people feel the pinch is rising food bills.
But Martin Lewis’MoneySavingExpert (MSE) has revealed Tesco is making a major change to its Clubcard scheme ahead of Christmas.
Customers using the Tesco Grocery & Clubcard app will now get personalised coupons every two weeks.
MSE said the trial will benefit four million customers with the Grocery and Clubcard app, with frequent and more tailored coupons.
However, given there are 20million Clubcard holders in total, not everyone will benefit.
Previously, shoppers received the offers a maximum of eight times a year.
The coupons will be selected based on your previous shopping and include bonus points and instant discounts to use both in-store and online.
For example, you could get coupons to earn extra points on a Christmas outfit from F&F or money off a cheese board.
The digital coupons will be available to scan on the app, so you don’t need to worry about losing track of paper coupons.
In comparison to the regular Clubcard app, this also includes a stock checker, a shopping list function and various payment options.
Loyal Clubcard members who download the Grocery and Clubcard app may find the coupons there.
The supermarket added there’s potential to expand the trial in the new year.
As part of the changes, the old standalone Clubcard app will close in 2023, although Tesco didn’t confirm a date.
It said it’ll give customers plenty of notice before it does.
Customers also won’t lose any existing points, vouchers or coupons.
Meanwhile, customers who get their Clubcard statement and vouchers by post will continue to do so, if they wish to.
Vouchers will remain the same as before, with these typically sent out four times a year.
With Tesco’s Clubcard, you get one point when you scan your card or app each time you spend £1 in store and online.
You also get one point for every £2 spent on fuel.
One point equals 1p, so 150 points gets you £1.50, for example.
You’ll need a minimum of 150 points to request a voucher.
Once you have enough points, you can turn them into vouchers worth the face value to spend in store at Tesco, or you can triple their worth to spend at reward partners, including restaurants, and on days out.
Customers can see the deals on the website or app each week, then collect the extra points if they buy the item in store or online.
To get one Nectar point you need to spend £1 in Sainsbury’s store, or you get one Nectar point for every litre of fuel purchased in Sainsbury’s fuel stations.