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General
  • I don’t use eshop.tesco.com.my. Can I still sign up for an online Clubcard account? + -
    Yes. All Clubcard customers can sign up for a ‘My Clubcard Account’.
  • One of my family members has passed away. Can I change their card to my name so that their points aren’t lost? + -
    You may apply for a Clubcard at any Tesco stores nationwide. It is free of charge.
     

     No. The Personal Data Protection Act prevents us from changing any details on a card without the owner’s consent. You can have the points transfered to your existing card or new card. However, the request for this must be in writing. Please submit your request with a copy of the death certificate to:
     
    No. The Personal Data Protection Act prevents us from changing any details on a card without the owner’s consent. You can have the points transfered to your existing card or new card. However, the request for this must be in writing. Please submit your request with a copy of the death certificate to:

    Clubcard Department @ Tesco Stores (M) Sdn Bhd, 
    Head Office, Level 3, 
    No 3, Jalan 7A/62A, 
    Bandar Menjalara, 52200 Kuala Lumpur

    Alternatively, you can email your request to Clubcard@tesco.com.my
  • I have more than one account, what should I do? + -
    Contact the Clubcard Helpline 1300-13-1313.
  • How do I leave the scheme? + -
    If you wish to leave the Clubcard scheme, please contact the Clubcard Helpline at 1300-13-1313.
  • What happens when I leave the scheme? + -
    If you leave the Clubcard scheme, your account will be closed. Any vouchers that have been issued will also be cancelled. If you have points in your account or vouchers that you wish to use, we recommend that you do so before choosing to leave the scheme. 
Clubcard Application
  • How can I apply for a Clubcard? + -
    You can apply for a Clubcard at any Tesco store with a minimum fee of RM10.60.
  • Can I apply for a Clubcard if I am not a Malaysian? + -
    Yes, you can. Share with us your passport number or your country’s identification card number and your address in Malaysia or Singapore. Clubcard Statements, Clubcard Discount Vouchers and Clubcard Discount Coupons are only sent within Malaysia and Singapore, and can only be used in Malaysia.
  • Why do I need to register my personal details? + -
    If you don’t tell us who you are or where you live, we won’t be able to send you your vouchers that you have earned. If you have an unregistered card, please call the Clubcard Helpline at 1300-13-1313
  • Are there any exclusions for points collection? + -
    Yes. Points will not be awarded for non-qualifying products, including gift vouchers, tobacco or tobacco related products, mobile reload, IDD reload, online game reload, e-wallet reload, Touch ’n Go reload, and other products which may also be excluded from the Scheme at the discretion of Tesco.
  • How do I redeem my points? + -
    Once you have collected a minimum of 400 points at the end of each collection period, we will convert your points into Clubcard Discount Vouchers and send them together with your Clubcard Statement via post, email or SMS notification depending on your preference.
Clubcard Points
  • How do I earn points? + -
    You can earn 1 point for every RM1 spend in Tesco, except when Clubcard Discount Vouchers/Clubcard Discount Coupons are redeemed. Points can also be earned when you use your Tesco Gift Vouchers.
  • How do I collect points? + -
    You will collect points every time you shop at Tesco or at any Clubcard partner’s outlet and swipe your Clubcard or scan your Clubcard via the Tesco Clubcard Malaysia Mobile App at Tesco. You can also collect points when you shop online on eshop.tesco.com.my, re-use bags, dine at Tesco food courts or make payments with your Tesco-CIMB Credit or Debit card. The amount of points earned will differ depending on where your transaction takes place. Full details on the different ways to collect points can be found on tesco.com.my/Clubcard
  • Will I collect points on every product I purchase? + -
    Points will not be awarded to non-qualifying products, which include gift vouchers, tobacco or tobacco related products, mobile reloads, IDD reloads, online game reloads, e-wallet reloads, Touch ’n Go reloads and other products that may be excluded from the Scheme at the discretion of Tesco.
  • How much are my points worth in Clubcard Discount Vouchers? + -
    You need to collect a minimum of 400 points (per collection period) to receive Clubcard Discount Vouchers. 400 points will give you RM2 in vouchers. After that, every 50 points turns into RM0.25 worth of vouchers.
  • What are carried forward points? + -
    In order to receive Clubcard Discount Vouchers, you need to collect a minimum of 400 points per collection period. If you don’t reach this amount, your points will be carried forward to the next collection period. Once you have reached 400 points, we will send you vouchers for every 50 points. For example, if you have 630 points in your account, we will transform 600 of them to RM3 worth of vouchers and the remaining 30 points will be carried forward to your next collection period. If an account is inactive for two years, the carried forward points will expire and are removed from the account.
  • I am missing points. Where are they? + -
    At Tesco, we try to process all points as quickly as possible. Sometimes, it may take a bit longer. Please allow a few days for your points to show in your account. If your points are still missing, please call the Clubcard Helpline at 1300-13-1313.
  • How can I find out how many Clubcard points I have in total? + -
    You can find out by checking your account online by clicking My Clubcard Account on tesco.com.my

    Your points balance can also be found at the bottom of your till receipt. If you have a smartphone, you can download the Tesco Malaysia Clubcard App and use it to view your points balance. You can also call the Clubcard Helpline at 1300-13-1313.
  • I forgot to use my card the last time I went shopping. How do I add the points to my account? + -
    If you forgot to show your Clubcard when you were shopping at Tesco, your points cannot be added to your account. 
  • I have just applied for a Clubcard. Can I claim the points for the purchases I have made earlier? + -
    Points can only be awarded upon presenting the Clubcard when paying at the check out counter.
  • How do I check my Tesco-CIMB points? + -
    Click on My Clubcard Account at tesco.com.my or download the Tesco Clubcard Malaysia Mobile App to find out.
  • I have been using my Tesco-CIMB Credit Card. I have just received my Clubcard statement, but no points from my credit card are shown on it. What should I do? + -
    This could be due to your Clubcard number not being updated in CIMB’s records. Kindly contact CIMB’s customer service at (603)-62047788 to update it. 
  • Why do you remove an account if no points are collected in two years? + -
    We are obliged to not keep personal information for longer than is necessary. Members who don't use their Clubcard for two years are considered to have left the Scheme and their details are removed. Customers are free to join the Scheme again in the future by signing up at a customer service counter.
  • I have signed up for a Tesco e-shop account. Can I collect points when I make purchases online? + -
    Yes. You need to ensure that you have entered your Clubcard number at the e-shop registration page.
Clubcard Statement
  • What is collection period? + -
    Before every statement, we have a cut-off date. On this date, the points you have collected are converted into Clubcard Discount Vouchers and sent to you with your statement. Collection period is the period between the cut-off date of each statement. 
  • How many points do I need to collect in order to receive my statement? + -
    In order to receive your statement, you need to collect a minimum of 400 points before the cut-off date. If you have collected less than 400 points, your next statement that will show the number of points being carried forward will only be sent once you've collected more than 400 points.
  • How can I receive my Clubcard Discount Vouchers and Clubcard Discount Coupons by email? + -
    Sign up at My Clubcard Account on tesco.com.my or download the Tesco Clubcard Malaysia Mobile App. Go to ‘My Account Details’, click on 'My Contact Preferences' and select ‘Online Via email’. You will be notified once your Clubcard Discount Vouchers and Clubcard Discount Coupons are ready. Then log on to your Clubcard account to print the discount vouchers/coupons, or download the E-vouchers/E-coupons via the Tesco Clubcard Malaysia Mobile App
Clubcard Discount Vouchers and Clubcard Discount Coupons
  • When will I receive my Clubcard vouchers? + -
    We will send you your Clubcard vouchers together with your Clubcard Statement 3 times a year. Log on to your Clubcard account to see how long you have until the end of the current points collection period.
  • How can I tell which are the vouchers that I have or have not used? + -
    You can see the status of all your vouchers online by logging on to your Clubcard account. Simply go to ‘My vouchers’. Your active vouchers are listed first along with their expiry dates. You can also see the vouchers that have been used and the details of when and where you have used them.
  • Why have I not received any vouchers? + -
    These are 7 possible reasons why you have not received any vouchers:
    1. We might not have your personal details registered. Please call the Clubcard helpline at1300-13-1313
    2. If your chosen contact preference to receive statements is via post, it may have been lost in transit. If the address we have of you is correct, we will reissue your Statement if you inform us within 4 weeks after the Statement has been sent. If you inform us after this period, we will carry forward your points over to the next collection period. Alternatively, log on to your Clubcard account to print the discount vouchers/coupons, or download the E-vouchers/E-coupons via the Tesco Clubcard Malaysia Mobile App.
    3. If you have joined Clubcard close to a cut-off date (end of collection period) by completing the application form in-store, your details might not have been updated in our database in time. Log on to your Clubcard account or download the Tesco Clubcard Malaysia Mobile App now and update your details completely to ensure that you do not miss out the next time. If you experience any problem logging on to your Clubcard account, please call the Clubcard Helpline at 1300-13-1313.
    4. If you are a Supplementary cardholder (who registered before 30 June 2014) or Associate cardholder, you will not receive a Statement as it will only be sent to Primary cardholders.
    5. If you have collected less than 400 points, log on to your Clubcard account or download the Tesco Clubcard Malaysia Mobile App to view your latest points balance.
    6. We may not have your correct address. You can change your address online by logging on to your Clubcard account. Go to 'My Account Details' and then click on 'My Personal Details'. Alternatively, on the Tesco Clubcard Malaysia Mobile App, go to 'My Clubcard' and select 'My Personal Details'.
    7. If you have changed your address near the end of a collection period or after the collection period, your Statement may have already been issued to your old address. You can change your address online by logging on to your Clubcard account and print out any available discount vouchers/coupons, or download your E-vouchers/E-coupons via the Tesco Clubcard Malaysia Mobile App.
  • How long are my Clubcard Discount Vouchers valid for? + -
    Your vouchers are valid for 1 year.
  • I have found some expired vouchers in a drawer. Can I still use them? + -
    Vouchers are only valid for a year. You won’t be able to use them once they are expired.
  • There are some used vouchers displayed on my Clubcard account, but I don’t think I have used them. What do I do? + -
    If you have any questions on used vouchers, please contact the Clubcard Helpline at 1300-13-1313.
  • Can I use my Clubcard Discount Vouchers and Clubcard Discount Coupons when I shop online with Tesco? + -
    Currently, the Clubcard Discount Vouchers and Clubcard Discount Coupons can only be used in-store only. 
  • I have damaged/lost my vouchers. How do I replace them? + -
    Go to My Clubcard Account on tesco.com.my and select ‘My Vouchers’. All of your active Clubcard Discount Vouchers will be listed. Print your vouchers from here, or download your E-vouchers/ E-coupons via the Tesco Clubcard Malaysia Mobile App.
  • I am a non-alcoholic, but I have received a beer coupon. How do I stop this? + -
    This may happen when you do not inform us about your dietary preferences. Update your dietary preferences – diabetic, vegetarian, halal or non-alcoholic – by going to My Clubcard Account and selecting ‘My Account Details’ followed by ‘My Personal Details’. Alternatively, update your dietary preferences via the Tesco Clubcard Malaysia Mobile App.
  • I received a coupon at the check out counter called a Clubcard Discount Coupon. What is it? + -
    It is an additional thank you from us. These Clubcard Discount Coupons can help you accumulate your points faster.
Lost Clubcard
  • If my Clubcard is lost, stolen or damaged, how can I get a replacement card? + -
    You may purchase a replacement Clubcard at any Tesco store. 
Joining, Merging and Splitting Clubcards
  • How can I merge my account with someone else’s? + -
    Currently, our system is unable to merge different accounts together. 
  • I have 2 Clubcards. Can I merge the 2 accounts into one account? + -
    Currently, our system is unable to merge both of your accounts together. However, we will help you to transfer your points from one Clubcard account to your most frequently used Clubcard account. You may continue to shop and collect points with the most frequently used Clubcard in Tesco. Please contact the Clubcard Helpline at 1300-13-1313 for further assistance. 
  • How do I split my account from someone else’s? Do I need to order a new card? + -
    If you have an account with someone else and wish to create a separate account for yourself, you don’t have to request for a new card. Please call the Clubcard Helpline at 1300-13-1313. The account will be separated into two and any points collected will be split accordingly based on whose card was originally used to collect the points.
My Clubcard Account
  • My Clubcard Account - Login + -
    I have a My Clubcard Account, but I can't log in. What do I do? + -
    If you have forgotten your password, please go to My Clubcard Account, click ‘Forgotten your password’ and follow the instructions so that we can email you your password. If you have logged in and a customer verification screen appears, it means that we need to verify that this is your account before we allow you to access it. Please enter your Clubcard Number and Date of Birth. We will match it against the information we have. The security of your data is really important to us. If there isn’t an exact match, we won’t be able to give you access to your online account. 

    For additional support, please contact the Clubcard Helpine at 1300-13-1313 and we will be happy to help.
    I am already a Clubcard member, but I have not registered for a My Clubcard Account yet. How do I get started? + -
    It's quick and easy to register and access your My Clubcard Account online. Please go to My Clubcard Account, click ‘Register with Tesco’  and then follow the steps accordingly. Once you have completed your log in details and we've verified your account, you will be able to log in any time in the future to view your account online.
    This is my first time registering for My Clubcard Account, but the system indicates that my email address has already been registered. What do I do? + -
    If you have registered for a Tesco e-shop account with the same email address, then you can immediately log on to My Clubcard Account, enter your email address and password in the ‘Sign in’ section. The password entered must be the same password used for your Tesco e-shop account.
    I have forgotten the email address I used for registration. What do I do? + -
    Please call the Clubcard Helpline at 1300-13-1313.
    Can I change the email address initially used for registering My Clubcard Account? + -
    No, you will need to re-register for My Clubcard Account with a new email address and password, and go through the verification process again.
  • My Clubcard Account - Password + -
    I have forgotten my password. What do I do? + -
    Go to the log in page of My Clubcard Account, click ‘Forgotten your password’ and follow the instructions so that we can email you your password.
    How can I change my Password? + -
    If you wish to change your password, go to the log in page of My Clubcard Account, click ‘Forgotten your password’ and follow the instructions accordingly.
  • My Clubcard Account - Your Personal Details + -
    What happens if my details are out of date? + -
    If you have moved in to a new house and forgot to update us on your new address, we’ll continue to send your statement to your old addresss. This means you won’t receive any vouchers you have collected. To update your details, give us a call on the Clubcard Helpline (1300-13-1313) or log in to My Clubcard Account and change your Personal Details by clicking on ’My Account Details’ followed by ‘My Personal Details’. 

    Alternatively, download the Tesco Clubcard Malaysia Mobile App. Then, select ‘My Clubcard’ and click on ‘My Personal Details’.
    I have changed my Tesco e-shop account’s address. Will my vouchers be automatically sent to my new address? + -
    No, you’ll have to change the address registered under your Clubcard too. It’s easy for us to help you change your details. Give us a call on the Clubcard Helpline (1300-13-1313) or log in to your My Clubcard Account. Just update your Personal Details by clicking on ’My Account Details’ followed by ‘My Personal Details’.
  • My Clubcard Account - Keep your Clubcard account safe - some simple steps to staying secure + -
    Choose a secure password + -
    An ideal password is long and has both letters and numbers. Whenever possible, try using eight characters or more. Online criminals use sophisticated tools that can rapidly decipher passwords. So, avoid using the same password/email address combination for multiple websites and never use your personal email account’s password for other websites. 

    For more advice on creating a secure password, visit www.getsafeonline.org
    Check your details are up to date + -
    It is important to keep your details up to date as we want to send your discount vouchers to the right address and sometimes we may need to contact you about changes to Clubcard. Whenever you update your name, email address, address, handphone number or contact preference, we will send you a confirmatioin via email. It is easy to check and amend your details at any time. Simply log in to your My Clubcard Account 
    Phishing – how to spot a fake email + -
    Phishing is an attempt to obtain personal details. You might receive an email that looks legitimate - as though it's from Tesco or your bank for example. It will ask you for personal information that genuine companies would never do. The email is most likely fake if it asks you for passwords, your Clubcard number, date of birth or banking details. Some fake emails may also ask you to click on a link to another website. This website may also ask for personal details. So, if you're not sure about the email in the first place, it's best to delete it. 

    If you want to access your Clubcard account and are unsure about a link in an email, always start at http://www.tesco.com.my/ and click ‘Clubcard’ to find your way to My Clubcard Account. Remember, we will never ask you for personal information in an email unless you have contacted us first and we are replying to you directly. We will NEVER ask you for your password. 
    Update your browser + -
    Your browser is the programme you use to access and view the internet. Examples of browsers you might be using include Internet Explorer, Firefox, Safari or Google Chrome. Whichever you prefer to use, make sure you've the latest version. The newer the version, the higher the level of security it offers. Updating is easy and completely free. 
  • My Clubcard Account - View your cards + -
    Why are there card numbers shown on ‘View my cards’ that I don't recognise? + -
    In the past, you may have merged your cards together and occasionally accounts are merged incorrectly. Your points are all collected in the same account and you will receive one Statement. If you think the card numbers shown on ‘View my cards’ do not belong to you, please call the Clubcard Helpline (1300-13-1313) and we will help you to unmerge it.
    I am holding two Clubcards, one of the cards is not listed on View my cards, what should I do? + -
    Currently, our system is unable to merge your separate accounts together. However, we can help you to transfer points from one of the Clubcards to your most frequently used Clubcard. You may continue to shop and collect points with the most frequently used Clubcard in Tesco. Please contact the Clubcard Helpline at 1300-13-1313. 
    I have a Clubcard number listed in ‘View my cards’ that I no longer use. Can I delete it? + -
    No. If you have not collected any points for two years, the account will become inactive and removed from the scheme. All points and Clubcard Discount Vouchers will be deleted. 
  • My Clubcard Account - Technical stuff + -
    The page is not displaying, timing out or slow to display. What do I do? + -
    Please check your internet connection. If it is not a connectivity issue, then we may have a system issue. Please revisit the site later. 
    My vouchers page is not displaying properly. What do I do? + -
    It may be that the internet connection is not working properly or we have a system issue. Please revisit the page later. 
Clubcard with Touch ‘n Go Feature
  • What is Clubcard Touch ’n Go card? + -
    Tesco Clubcard with the Touch ’n Go feature enables members to load and use it as a prepaid smartcard at selected Tesco stores and other Touch ’n Go participating outlets. Members can also enjoy privileges offered by Clubcard as well as participating outlets of Touch ’n Go.
  • Where can I apply a Tesco Clubcard Touch ’n Go card? + -
    You may apply for a Tesco Clubcard Touch ’n Go card at any Tesco store in Malaysia. It costs RM10.60 (inclusive of tax) for a new application or a replacement card.  
  • Can I still use the old Clubcard after upgrading to Clubcard Touch ’n Go card? + -
    Your old card should be surrendered to Tesco and you should start using the new Clubcard Touch ’n Go card.
  • Can I convert my Biz card to a Biz Clubcard Touch ’n Go? + -
    No, there is no refund available for reloads.
  • Where can I reload my Clubcard Touch ’n Go card? + -
    You may reload your Clubcard Touch ’n Go card at any Tesco store in Malaysia. There is no reload fee.
  • Can I reload other prepaid smartcards with Touch ’n Go feature at Tesco stores? + -
    Yes. You can reload your prepaid smartcard with Touch ’n Go feature at any Tesco Store in Malaysia. No reload fee will be charged.
  • Can I get a refund on items purchased using the Clubcard Touch ’n Go card? + -
    Yes. However, refunds are in cash only.
  • How much credit can I store in my Clubcard Touch ’n Go card? + -
    You can store a maximum of RM1,500 at any one time.
  • Do I earn points on Touch ’n Go reloads? + -
    No, points will not be awarded for reloads.
  • Can I get a refund for my credit reload? + -
    No, there is no refund available for reloads.
  • If I don’t use the Tesco Clubcard Touch ’n Go card for any transaction at Touch n Go terminals, can I still use the card? + -
    If there are no transactions within twelve (12) consecutive months, the Touch ’n Go feature will be deactivated. However, you can still use the Clubcard feature to accumulate Clubcard points at Tesco.
  • Where can I use my Clubcard Touch ’n Go card? + -
    You can use it at any Tesco store in Malaysia, selected shopping/business complex and other participating Touch ’n Go merchants. You can also use it to pay tolls or for tickets of LRT, KTM, KL Monorail and RapidKL.
  • Can I use Tesco Clubcard Touch ’n Go card to pay for my purchases at Tesco stores? + -
    Yes, you can. However, please ensure there is sufficient credit available in your card for the transaction. In the event there is insufficient amount available, the balance can be paid by cash or credit card. You cannot reload the Tesco Clubcard Touch ’n Go card during the transaction. Reloads are to be made separately from the purchase transaction and in cash only.
  • Can I check my Touch ’n Go credit balance at a Tesco Customer Service or Cashier Counter? + -
    Yes, you can at selected Touch ’n Go cashier lanes or customer service desks.
  • Where can I use my Clubcard Touch ’n Go card to enjoy its privileges & discounts? + -
    You can use your Clubcard Touch ’n Go card at selected Clubcard Partners and Touch ’n Go merchants. For details, visit www.tesco.com.my/Clubcard or www.touchngo.com.my
  • Does the Clubcard Touch ’n Go card comes with a lifetime membership? + -
    Yes, it does. However, the Touch ’n Go feature will expire after 10 years and you are advised to get a replacement card 3 months in advance.
  • Do I need to register my personal details with Touch ’n Go Sdn Bhd? + -
    Yes. You are encouraged to register your personal details at www.touchngo.com.my to protect your credit balance (if any) and for you to check/print your Touch ’n Go statement. 
  • Do I need to report to Touch ’n Go Sdn Bhd or Tesco if my Tesco Clubcard Touch ’n Go card is stolen or lost? + -
    You need to contact Touch ’n Go via its Careline (03-27148888), fax, email or mailing address. You can also walk in to any Touch ’n Go hub and report your lost card to avoid unauthorised transactions and process the credit refund, if any. Thereafter, you can walk into any Tesco store in Malaysia to get a replacement card. A replacement fee will be imposed.
  • If my Tesco Clubcard Touch ’n Go card is not functioning, can I get a replacement? + -
    If the Touch ’n Go feature is faulty or damaged, you are required to bring the card to Tesco for a replacement. There is a warranty of one year from the date of issue (please refer to “SD MM/YY” at the back of your Clubcard Touch ’n Go card). Beyond this warranty period, a replacement fee will be imposed. 
  • I have not used my Clubcard’s Touch ’n Go feature for more than 12 months and now it cannot be accepted at any toll, parking, Touch ’n Go merchants or Tesco. What do I do? + -
    Your card has been deactivated. To obtain your credit balance, you will need to contact the Touch ’n Go Careline (03-27148888). A dormant fee will be imposed for refund of the credit balance in your Touch ’n Go card. 
  • If I want to terminate my Clubcard Touch ’n Go card, can I get the credit balance refunded? + -
    Yes. You can contact the Touch ’n Go Careline (03-27148888) to process the credit refund, if any.
  • Will Touch ’n Go refund my credit balance in cash? + -
    No. Credit refunds will be transferred directly into your bank account.
  • Who are Touch ’n Go merchants? + -
    There are more than 50 participating merchants, which include Dunkin Donuts, Each a Cup and Baskin Robbins. For more details, please visit http://www.touchngo.com.my/Promotion/Personal/Current-Promotions/
  • If I register my details in Tesco’s My Clubcard Account, will my personal details be automatically registered with Touch ’n Go Sdn Bhd? + -
    No. Due to data protection laws in Malaysia, you have to separately register on Touch ’n Go’s website at www.touchngo.com.my.
  • I am an existing Clubcard member. How can I upgrade to the Clubcard Touch ’n Go card? What will happen to my current points after I have upgraded? + -
    You have to apply for a replacement card at a Tesco Customer Service Counter (applicable in Malaysia only). Both your current and your new Clubcard Touch ’n Go card will be joined automatically under your existing Clubcard account and points earned will remain in your existing Clubcard account.
  • I am an existing Clubcard member and Tesco-CIMB card user. What do I do to ensure I will still enjoy the Tesco-CIMB card’s benefits after upgrading to the Clubcard Touch ’n Go card? + -
    Please call CIMB Customer Service at 603-62047788 and update your new Clubcard number to continue enjoying the Tesco-CIMB card’s benefits.
  • I am an existing Clubcard member and existing Tesco Online shopper. After I have upgraded to the Clubcard Touch ’n Go card, would this affect my accumulation of Clubcard points while shopping on Tesco Online? + -
    No. However, please update your new Clubcard Touch ’n Go card number on the Tesco e-shop registration page before your next purchase in order to collect Clubcard points.
     
  • I am an existing Clubcard Supplementary card holder. Can I apply for an upgrade to a Clubcard Touch ’n Go card? + -
    No. Due to system limitations, you will need to apply for a new Clubcard Touch ’n Go card (New Application). You can then swipe and earn points under your new account. Your points earned earlier  will remain in the primary card holder’s account.