Our long, low fee combined offer
Get 28 months' 0% interest on balance transfers made within 90 days of opening your account.
You'll also pay only a 1.5% fee on balances transferred during these 90 days, instead of the standard 3% fee.
For 12 months after opening your account, get 0% on purchases made.
Most successful applicants will get:
Credit limits and interest rates vary based on your individual circumstances.
Most successful applicants will receive the representative rate of 18.9% APR (variable).
If you qualify for the lowest rate, you will pay 0% interest for 28 months from opening your account on balance transfers made within 90 days.
The standard 3% balance transfer fee is reduced to 1.5% for balances transferred within 90 days of account opening.
The interest free period on purchases is 12 months from the date your account is opened.
The annual fee is £0.
If you don't qualify for the lowest rate, you'll get a higher APR, either 21.9% (variable) or 25.9% (variable), depending on your circumstances.
To keep your promotional offers, you must stay within your credit limit and make your minimum monthly repayments on time.
Any balance transfers made after 90 days of account opening will incur the standard 3% balance transfer fee.
You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Lloyds Bank products.
This credit card account has an annual fee of £0.
Outside of introductory promotional periods, the interest you pay on transferred balances, cash withdrawals, and purchases is 18.94% (variable) if you qualify for the lowest rate and either 21.94% (variable) or 25.95% (variable) if you do not.
Outside of introductory promotional periods, the interest free period on purchases is up to 56 days if the full balance is paid off by the due date on both your previous and latest statement.
Outside of the 90-day introductory offer period, the fee for balance transfers is 3%.
The fee for cash withdrawals is 3% or £3, whichever is the biggest.
The fee for foreign currency transactions is 2.95%.
Your monthly payments will pay off transactions with the highest interest rate first, in this order: cash withdrawals, purchases, balance transfers and cheques, followed by the default charges.
You can view or print a PDF summary (118 kB) of this credit card's key facts and figures. You’ll receive full terms and conditions, as well as the complete details of this credit card, when we send your card.
Lloyds Bank is a responsible lender, and we only want you to borrow what you can afford, in a way that is best for you. The outcome of your credit card application depends on our assessment of your circumstances.
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.
You won't have to pay us for any unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder. 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.
Lost or stolen cards 0800 096 9779 (+44 1702 278 270 from outside the UK)
Credit card enquiries 0345 606 2172 (+44 1702 278 272 from outside the UK)
Activation 0800 389 1558 (+44 2074 812 548 from outside the UK)
Balance transfers 0345 606 2172 (+44 1702 278 272 from outside the UK)
These lines are available 24/7.