Lloyds Bank

Compare Lloyds Bank credit cards

Compare balance transfer, rewards, cashback cards and more from Lloyds bank and find the right card for you. APRs ranging from 10.9% to 55%.

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Compare Lloyds Bank credit cards

Table: sorted by representative APR, promoted deals first
1 - 4 of 4
Name Product Rating Finder score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Lloyds Bank Platinum Low Rate Credit Card
Finder score
Expert analysis
(5% (0% fee if transfer is completed within the first 90 days) fee)
10.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 10.94% (variable) p.a., your representative rate is 10.9% APR (variable).
Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard
Finder score
Expert analysis
0% for 19 months reverting to 23.94%
0% for 17 months
(2.99% fee)
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).
Lloyds Bank Platinum 0% Balance Transfer Credit Card Mastercard
Finder score
Expert analysis
0% for 6 months reverting to 23.94%
0% for 25 months
(3.49% fee)
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).
Lloyds Bank World Elite Mastercard
Finder score
Expert analysis
(5% fee)
£15 per month
55% APR (variable)
0.5% on £1 to £15000 of yearly spend. 1% after £15001 of yearly spend. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a. with a fee of £15 per month, your representative rate is 55% APR (variable).

Approval for any credit card depends 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.

Lloyds offers a variety of credit card options designed to cater to different needs. Whether you are looking to transfer existing debt to a card with a lower interest rate or seeking a card for everyday spending that allows you to accumulate rewards, Lloyds has suitable choices.

Being a large bank, Lloyds also has the security, customer service, and global accessibility, ensuring that customers receive the necessary support when required. Additionally, they have a reward scheme that turns your everyday expenses 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.

  • Balance transfer. Lloyds Bank provides a range of balance transfer cards specifically designed for individuals seeking to transfer high-interest debts or loans from other sources to Lloyds at a more affordable rate. These cards come with distinct interest rates, fees, and additional benefits such as cash-back rewards. Generally, balance transfer cards offer a low or even zero interest rate during an initial promotional period, although it’s important to note that there may be a balance transfer fee associated with each card, which can vary. Learn more about balance transfer cards.
  • Everyday spending. 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. Learn more about 0% credit cards.
  • Large purchases. Some momements in life call for bigger purchases, such as buying a car. For these big purchases, Lloyds recommends certain cards. 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.
  • Global usage. As Lloyds Banks’ credit cards are all with Mastercard, it should be accepted for purchases in countries across the world.
  • Fraud protection. 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.”

Lloyds Bank customer in Finder's 2020 survey

How to apply for a Lloyds Bank credit card

You can apply for a credit card in various ways. Apply online, by phone, or in-branch. While all options are available, they suggest applying online for a faster decision making process. Additionally, some card offers are exclusively accessible through their online platform. Choose the method that suits you best and apply with ease at Lloyds.

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.

Eligibility requirements

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.

  • You must be at least 18 years old or over.
  • You must have a regular income.
  • You must be a resident of the United Kingdom.
  • You are not currently declared bankrupt, have any county court judgements or subject to an individual voluntary agreement.
  • You haven’t already applied for a card and been declined in the last 30 days.

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?

There are various factors that could contribute to a potential non-approval of your application. One possibility is not meeting the specific criteria set by the bank for a particular card. A lack of credit history or a track record of late debt payments, including missed payments on credit obligations such as mortgages, car loans, or personal loans, can also reduce the likelihood of approval.

How do I make repayments on a Lloyds credit card?

There are a number of ways to make a credit card payment. The easiest method is Direct Debit, which is a payment taken each month from your bank or building society and paid directly into your credit card account. If you are registered for internet banking then you can do this online by logging in and clicking on “Pay credit card” next to your account on the overview page.

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?

If you are registered for online banking, you can request to increase or decrease your limit. Once logged in from ‘My accounts’ select the ‘More actions’ button next to your credit card account, then “Manage your credit limit” and follow the instructions on the screen to undertake the limit increase.

Lloyds customer reviews

Lloyds Bank received a strong score in our 2024 customer satisfaction survey: 89% of Lloyds credit card customers would recommend the company. Several customers cited its additional card benefits, including cashback, with one stating how the brand offered “excellent service and loyalty points”.

On the reviews platform Trustpilot, the bank overall received a score of 1.7 out of 5, with some customers there citing poor levels of customer service (updated February 2024).

Contact Lloyds Bank customer support

For help, you can contact Lloyds via telephone or video call, or you can pop into your local branch.

Telephone supportYou can call Lloyds on 0345 300 0000 24/7. However, not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to a Lloyds Bank advisor for more information.

Overview of Lloyds Bank credit cards

Representative APR From 10.9% to 55%
0% balance transfer offer Up to 25 months
0% purchases offer Up to 19 months
0% money transfer offer No money transfer offer available
Cashback with brand Up to 1%
Cashback elsewhere Up to 1%
Cash advance From 10.94%
Introductory bonus offer No introductory bonus offers available

Frequently asked questions

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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