I actually use both and it's the only card I carry with me now as it's good to have a physical card for places that don't accept ApplePay (which can sometimes be a pain to use while wearing a mask). I also have the Pay+ app but haven't had a chance to use it much.
Monzo's customer service didn't seem to keep pace with its growth and has become rather poor, another reason to choose Tesco with its excellent customer service.
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Also I didn't want a full bank account that Monzo had become. Clubcard Pay+ offers all the things I need without the hassle of a full bank account and is much more useful.