Lloyds Bank Platinum Credit Card

Platinum 28 Month Balance Transfer Card


    • 0% interest for 28 months from account opening on balance transfers within the first 90 days.
    • Balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
    • 0% interest on purchases for the first 12 months after your account is opened.
    • Worldwide use - Accepted in over 36 million MasterCard locations worldwide.

    Representative example

    • Purchase rate:18.94% p.a.(variable)
    • Representative18.9% APR(variable)
    • Based on borrowing£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances.

      Important Information

    • Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Lloyds Bank products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.
    • It’s good to know where you stand. View our Terms & Conditions and download the summary box for an overview of all the key credit card features of the Platinum 28 Month Balance Transfer Card.

      Your APR explained

    At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable). Others will get a rate of 21.9% APR (variable) or 25.9% APR (variable).

    Enjoy these features:

    • Lloyds Bank ClickSafe®

    A free service that gives you extra protection when you're shopping online.

    Find out more

    • Register your credit card for Internet Banking

    Access your details and transactions online

    Find out more

    • Money Manager

    Keep track of your money across different Lloyds Bank accounts

    Find out more

    Important information about the Platinum 28 Month Balance Transfer Card

    Lloyds Bank is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you’d like to talk to us about the choices you’ve made we will be happy to refer you to a member of staff that will be able to help you. They will also be able to talk to you about your options if you’re experiencing financial difficulties.

    The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply. Terms and conditions apply to all Lloyds Bank credit cards and full details will be sent with your card.

    Information about Balance Transfers
    Balances must be transferred from non-Lloyds Bank credit cards or store cards within 90 days of account opening. Balance transfers are subject to your credit limit and must be of at least £100. 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 and Cheques, followed by the default charges. (see section 6 of customer terms and conditions for further details on payment allocation).

    After the introductory period has ended balance transfers will be charged at the standard rate for purchases. Introductory balance transfer offers are available to new Lloyds Bank credit card customers only and in order to keep your promotional rate you must make your minimum payments on time each month and stay within your credit limit.

    Information about Purchases
    The interest free period on purchases is up to 56 days if the full balance is paid off by the due date on both the previous and the latest statements.

    Information about Fraud loss
    You are not liable if someone uses your card account without your or an additional cardholder’s consent. However, you and additional cardholders must take all reasonable measures to protect your cards and PINs. You should never disclose your PIN, not even to Lloyds Bank staff or the police. You can give suppliers your card details (but not PINs) and won’t be liable if they misuse them. However, if you’ve given someone else your card details you are liable for all transactions unless you have told us first they are not authorised.

    To apply for a Platinum 28 Month Balance Transfer Card you must be:

    • Aged 18 years or over
    • A UK resident (with a UK registered address)
    • Free of any county court judgments

    What you’ll need when you apply

    • Your bank account number and sort code
    • Your present address in the UK (or addresses for the last 3 years)

    Want to transfer a balance from an existing credit card?

    You just need to have your credit card details to hand to make an online transfer.

      Apply now

    • If you're successful your new card will arrive in 7 days.
    • Our form is completely secure and we won't share your information with anyone else.
    • To ensure your details are safe we'll clear your application if you're away for 10 minutes or more.