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Compare Lloyds Bank credit cards
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Whether you want to transfer existing debt to a card to pay at a lower rate, or get a card for day-to-day spending to build up rewards, Lloyds has several options that may suit you, including low rate cards, suitable for large purchases.
As a large bank, Lloyds also has the security, customer service and global reach to give customers support when it’s needed. There is a reward scheme that helps you turn everyday spending into flights, upgrades and holidays.
Types of credit cards available from Lloyds
Lloyds has a range of cards, although fees and rates vary from person to person on application.
Lloyds Bank offer several different balance transfer cards which are designed for you to transfer debts or loans that you are paying at an expensive rate elsewhere to a lower rate with Lloyds. They each have different rates and fees as well as various benefits like cash-back available. The rates on transfer cards typically have a very low or zero interest rate for an initial promotional period but there can be a balance transfer fee which varies from card to card.
Lloyds’ everyday spending cards can also double up as balance transfer cards. They typically offer a promotional period of up to 29 months, although this may vary, during which they charge 0% interest rate although there can often be a balance transfer fee. With these cards you can also earn rewards in exchange for purchasing a range of good and services.
Lloyds also recommends certain cards for making large purchases such as buying a car. These cards typically charge a low or 0% interest rate, low charges and low balance transfer fee. Rates offered are obviously susceptible to changes however, and they may vary from person to person.
The benefits of a credit card with Lloyds
If you get a credit card with Lloyds you can enjoy a range of benefits outlined below:
Rewards and cashback
Certain cards allow you to earn points on everyday purchases which can be exchanged for travel rewards or cash-back. Rewards include flights, hotels, car hire and upgrades along with days out. Cards with the rewards feature do, however often, come with annual fees so it is worth checking that before applying. They may also require a certain level of spending a month to make the card worthwhile.
Mobile payment technology
You can link your Lloyds credit card with Apple Pay or Android Pay to purchase items quickly and easy with your phone, wherever these payment options are available.
Online and mobile banking
Lloyds has a modern online management system so you can see your credit card balance, transactions and any other activity associated with your account from any device with internet. It also has mobile banking so you can manage your account from your phone or tablet, bank in branch and get text alerts.
As Lloyds Banks’ credit cards are all with Mastercard, it should be accepted for purchases in countries across the world.
The bank offers a free service called ClickSafe, which is designed to ensure you are the only person using your card. It can help you feel safer when shopping online because you are protected from fraud.
A reputable and reliable big bank that I’ve found has always sorted out our problems quickly.”
How to apply for a Lloyds Bank credit card
You can apply for a card online, over the phone or in branch but they recommend doing it online as you receive a decision more quickly. Some card offers are also only available online.
The bank also suggests that when applying you should keep important details to hand such as address, annual income, current bank account details and other credit or store cards you may hold that are not with Lloyds.
Before you apply you should be aware of the basic eligibility requirements. If you don’t match them you will likely not be successful. You can do a quick check of your eligibility for a card, it’s free and will not affect your credit score.
If you are not approved, Lloyds Bank suggest going to the three credit rating agencies and asking for a copy of your credit report, although this may require a fee.
Why might you not be approved?
One reason you might not be approved is because you do not meet the bank’s specific criteria for a certain card. However you are also less likely to be approved if you have no credit history, or a history of not being able to pay off debt in time, and have missed payments on credit in the past like a mortgage, car or personal loan. You may also be rejected due to other information gathered from your bank account and general finances.
How do I make repayments on a Lloyds credit card?
If my payment is received after the due date will I be charged?
If your payment is received after the due by date you will be charged a £12.00 late payment charge.
Can I request an increase or decrease to my credit card limit?
Lloyds customer reviews
Customers in Finder’s 2021 customer satisfaction survey were mostly positive, with many customers highlighting Lloyds’ reliability and good service. One customer said Lloyds is a “trusted brand that alerts me of any issues with my card and provides good rates.”
Some also praised Lloyds’ customer service but others mentioned issues with using their online account. Lloyds received a rating of 5 stars out of 5 in our 2022 customer satisfaction awards, with 87% of customers also happy to recommend the brand to a friend.
Help and support for Lloyds customers impacted by coronavirus
If you’re a Lloyds customer who has been affected by coronavirus, you may be able to get support. For example, you could apply for a payment holiday on your credit card or consolidate your existing debts into one loan. Visit Lloyds’ coronavirus support page for more information.
Frequently asked questions
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