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Platinum 28 Month Balance Transfer Card

Good for:

  • Saving - 0% interest for up to the first 28 months on balances transferred within the first 90 days (3% fee)**
  • Balance Transfer fee refund - refunds part of an Initial 3% fee so overall a 2.45% fee is payable.
  • Shopping - 0% on purchases for the first 6 months.*

* To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

Our best balance transfer card
With our Platinum 28 Month Balance Transfer Card, you can save money by transferring your balance.

How the balance transfer fee refund works

  • You'll initially be charged a 3% fee for each balance transfer
  • We'll then refund 0.55% of each balance transferred to us within 90 days, so overall you will pay a fee of just 2.45% for each balance you transfer
  • We'll process the refund to your credit card account within 90 days of the qualifying balance transfer completion date.
  • Minimum balance transfer amount is £100

** Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. Balance transfer fee applies. If you don't pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers, Cheques, followed by the default charges.

Representative example

  • Purchase rate:18.94% p.a. (variable)
  • Representative:18.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200 over 12 months. Credit limits and interest rates will vary based on your individual circumstances

Showing 1 of 1 cards

Platinum 15 Month Balance Transfer Card

Good for:

  • Saving - 0% for the first 15 months on balances transferred in the first 90 days (with a 3% fee).**
  • Balance transfer fee refund - refunds part of an initial 3% fee so overall a 0.70% fee is payable.
  • Shopping - 0% on purchases for the first 6 months.*

* To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

Our lowest balance transfer fee

Our Platinum 15 Month Balance Transfer Card has our lowest ever balance transfer fee.

How the balance transfer fee refund works

  • You'll initially be charged a 3% fee for each balance transfer.
  • We'll then refund 2.3% of each balance transferred to us within 90 days, so overall you will pay a fee of just 0.70% for each balance transfer.
  • We'll process the refund to your credit card account within 90 days of the qualifying balance transfer completion date.
  • Minimum balance transfer amount is £100.

** Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. Balance transfer fee applies. If you don't pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers, Cheques, followed by the default charges.

Representative example

  • Purchase rate:17.95% p.a. (variable)
  • Representative:17.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200 over 12 months. Credit limits and interest rates will vary based on your individual circumstances

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Platinum Purchase Card

Good for:

  • Shopping – 0% interest on purchases for the first 13 months.*
  • Saving - 0% interest for the first 13 months on balances transferred in the first 90 days (with a 3% fee).**
  • Balance Transfer fee refund - refunds part of a 3% fee so overall a 1% fee is payable.

Great introductory offers

Get this card if you want a great introductory offer on purchases and balanced transferred.

How the balance transfer fee refund worksBalance transfer fee refund

  • The standard balance transfer fee of 3% will be applied when a balance transfer is processed. For example, if a customer transfers £1,500 a BT fee of £45 will be applied.
  • We'll refund 66.6% of that, i.e. £30 into the customer's credit card account within 30 days of the qualifying balance transfer completion date.
  • Minimum balance transfer amount is £100.

*To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

** Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. Balance transfer fee applies. If you don't pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers, Cheques, followed by the default charges.

Representative example

  • Purchase rate:17.95% p.a. (variable)
  • Representative:17.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200 over 12 months. Credit limits and interest rates will vary based on your individual circumstances

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Lloyds Bank Choice Rewards Credit Card

  • Spend – Get a choice of rewards for your everyday spend. 0% interest for the first 13 months on purchases and on balances transferred** within the first 90 days (3% fee applies).*
  • Collect – 10 Choice points for every £1 of eligible spend¹ on the Choice Rewards American Express® Card and 10 Choice points for every £5 of eligible spend¹ on the Choice Rewards MasterCard®.
  • Reward – Whether it’s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you’ll get to choose the reward you want, when you want.
  • Get there quicker – with double Choice points on eligible spend¹ for the first 6 months on your American Express Card (Terms and Conditions apply).

Get a choice of rewards for your everyday spend

Introducing the new Lloyds Bank Choice Rewards Credit Card, where you'll collect Choice points towards all kinds of rewards, just for using your credit cards. You could treat yourself to something small straight away or save up for something much larger. It's completely up to you.

*To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

** Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. Balance transfer fee applies. If you don't pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers, Cheques, followed by the default charges.

1Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.

Representative example

  • Purchase rate:17.95% p.a(variable)
  • Representative:22.7% APR  Tooltip(variable)
  • Based on borrowing:£1,200 over 12 months.
  • With an annual fee of £24Credit limits and interest rates will vary based on your individual circumstances.

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Lloyds Bank Avios Rewards Credit Card

  • Collect Avios 5 times faster with 1.25 Avios for every £1 of eligible spend1 on the Lloyds Bank Avios Rewards American Express® Card.
  • Collect 1.25 Avios for every £5 of eligible spend1 on the Lloyds Bank Avios Rewards MasterCard® in over 33 million MasterCard locations around the world.
  • Collect double Avios on eligible spend1 for the first 6 months on your American Express Card (Terms and Conditions apply).
  • Collect a flight upgrade voucher when you spend £7,000 in one year.
  • No Foreign Transaction Fees (typically 2.95% when using your card abroad).

Turn everyday spending into travel rewards

Collect Avios at home and abroad. With two credit cards you have the flexibility to collect Avios as fast as possible – carry both when you shop to benefit from great collection rates and worldwide acceptance.

To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

1Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.

Representative example

  • Purchase rate:17.95% p.a(variable)
  • Representative:22.7% APR  Tooltip(variable)
  • Based on borrowing:£1,200
  • With an annual fee of£24Credit limits and interest rates will vary based on your individual circumstances

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Advance Credit Card

Good for:

  • Shopping – 0% on purchases for the first six months*
  • Spreading purchase costs with our lowest available APR
  • 4.9% p.a. for 12 months on balances transferred in the first 90 days (with a 3% fee)**
  • New Lloyds Bank credit card customers only

Our banking guarantee ensures you’re not out of pocket if you’re the victim of online fraud.

*To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

** Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. Balance transfer fee applies. If you don't pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers, Cheques, followed by the default charges.

Representative example

  • Purchase rate:11.95% p.a.(variable)
  • Representative11.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances

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Student Credit Card

Good for:

  • Helping you cover unexpected costs
  • More flexibility with a credit limit of at least £500
  • Students aged 18 or over with a Lloyds Bank Student Account


Keep your finances under control


If you have a Lloyds Bank Student Current Account, then our Student MasterCard® Credit Card is the perfect partner for helping you stay on budget.

Our banking guarantee ensures you’re not out of pocket if you’re the victim of online fraud.

Representative example

  • Purchase rate:19.94% p.a. (variable)
  • Representative:19.9% APR  Tooltip(variable)
  • Based on borrowing:£1,000 over 12 months. Credit limits and interest rates will vary based on your individual circumstances

Credit card services

Make the most of your Lloyds Bank credit card with services to protect you from fraud and help you stay in control of your finances.

Useful telephone numbers available 24/7

Lost or stolen cards 0800 096 9779 (+44 1702 278 270 from overseas).

Credit card enquiries 0845 606 2172 (+44 1702 278 272 from overseas).

Activation 0800 389 1558 (+44 2074 812 548 from overseas).

Balance Transfer 0845 606 2172 (+44 1702 278 272 from overseas).

Online security

We use the latest security measures to make your Lloyds Bank online banking experience as safe as possible.


Find out moreFind out more about online security