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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.
Lloyds has a range of cards, although fees and rates vary from person to person on application.
If you get a credit card with Lloyds you can enjoy a range of benefits outlined below:
A reputable and reliable big bank that I’ve found has always sorted out our problems quickly.”
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.
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.
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.
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 your payment is received after the due by date you will be charged a £12.00 late payment charge.
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 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).
For help, you can contact Lloyds via telephone or video call, or you can pop into your local branch.
|You 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.
|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%
|Up to 1%
|Introductory bonus offer
|No introductory bonus offers available
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