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Will I be accepted?

See how likely you are to be accepted for a Lloyds Bank credit card. Your credit rating will not be affected and there’s no obligation to apply for a card afterwards.

Unfortunately, based on the information you gave us, we will not be able to offer you a credit card.

Based on the information you gave us, your eligibility score is 10% and you are unlikely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 20% and you are unlikely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 30% and you are unlikely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 40% and you are unlikely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 50% and you are likely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 60% and you are likely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 70% and you are likely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 80% and you are likely to be approved for one of our credit cards, based on the information you gave us.

Based on the information you gave us, your eligibility score is 90% and you are very likely to be approved for one of our credit cards, based on the information you provided.

Based on the information you gave us, your eligibility score is 95% and you are very likely to be approved for one of our credit cards, based on the information you provided.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Showing all credit cards

Apply online for a Lloyds Bank credit card if you're over 18 and a UK resident. If successful, you'll get a credit limit and any applicable promotional rates based on your current status, which you can keep as long as you make your monthly repayments on time and stay within your credit limit.

42 Month Balance Transfer

LLOYDS BANK PLATINUM CREDIT CARD42 Month Balance Transfer

Our longest balance transfer offer

Balance transfer offer

0% for up to 42 months

on balance transfers made within 90 days of account opening

Balance transfer fee

2.35% after refund

on balance transfers made within 90 days of account opening (3% initially charged)

Purchase rate offer

0% for 6 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
18.9%APR
based on borrowing
£1,200
over 12 months,
with an annual fee of
£0

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?

Keep in mind you may receive a shorter balance transfer offer (18 months) or a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

32 Month Balance Transfer Card

LLOYDS BANK PLATINUM CREDIT CARD32 Month Balance Transfer

Our low fee balance transfer offer - £20 cashback offer valid on accounts opened by 31st March 2017*

Balance transfer offer

0% for up to 32 months

on balance transfers made within 90 days of account opening

Balance transfer fee

0.8%

on balance transfers made within 90 days of account opening

Purchase rate offer

0% for 12 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
18.9%APR
based on
borrowing
£1,200
over 12 months, with
an annual fee of
£0

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account’s Summary Box).
What do these numbers mean?

Keep in mind you may receive a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.
* You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening.

30 Month Balance Transfer Card

LLOYDS BANK PLATINUM CREDIT CARD30 Month Balance Transfer

Our long, low fee combined offer

Balance transfer offer

0% for 30 months

on balance transfers made within 90 days of account opening

Balance transfer fee

1%

on balance transfers made within 90 days of account opening

Purchase rate offer

0% for 12 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
18.9%APR
based on
borrowing
£1,200
over 12 months, with
an annual fee of
£0

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account’s Summary Box).
What do these numbers mean?

Keep in mind you may receive a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

Lloyds Bank Platinum Credit Card image

LLOYDS BANK PLATINUM CREDIT CARD20 Month Purchase and Balance Transfer

A good all rounder

Balance transfer offer

0% for up to 19 months

on balance transfers made within 90 days of account opening

Balance transfer fee

1%

on balance transfers made within 90 days of account opening

Purchase rate offer

0% for up to 19 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
18.9%APR
based on
borrowing
£1,200
over 12 months, with
an annual fee of
£0

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account’s Summary Box).
What do these numbers mean?

Keep in mind you may receive a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

 

24 Month Balance Transfer

LLOYDS BANK PLATINUM CREDIT CARD24 Month Balance Transfer

Our 0% balance transfer fee offer

Balance transfer offer

0% for up to 24 months

on balance transfers made within 90 days of account opening

Balance transfer fee

0%

on balance transfers made within 90 days of account opening

Purchase rate offer

0% for 6 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
18.9%APR
based on borrowing
£1,200
over 12 months,
with an annual fee of
£0

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?

Keep in mind you may receive a shorter balance transfer offer (13 months) and a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

Lloyds Bank Avios Rewards

Lloyds Bank Avios Rewards
Credit Card Account

Collect Avios and turn your everyday spending into travel rewards

Avios

Collect Avios every time you use either of these two cards to fly worldwide or for hotels, car hire and great days out. Also pay no foreign transaction fees when using your card abroad.

Balance transfer offer

0% for 24 months

on balance transfers made within 90 days of account opening

Balance transfer fee

3%

Purchase rate offer

0% for 24 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
23.7%APR
based on
borrowing
£1,200
over 12 months, with
an annual fee of
£24

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account’s Summary Box).
What do these numbers mean?

Keep in mind you may receive a different APR (either 26.9% or 31.1% variable) based on your individual circumstances. The APR calculation considers the interest rate you pay and all other fees including the annual fee of £24.

Premier Avios Rewards Credit Cards

LLOYDS BANK CREDIT CARD ACCOUNTPremier Avios Rewards
Card Account

Frequent flyer? Fly more frequently with extra Avios on this account

Avios

Collect Avios 25% faster with the Premier Avios credit card. Fly worldwide with scheduled flights on British Airways, Iberia, and Flybe, and even bring a companion. Also pay no foreign transaction fees when using your card abroad.

Balance transfer offer

0% for 24 months

on balance transfers made within 90 days of account opening

Balance transfer fee

3%

Purchase rate offer

0% for 24 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
52.1%APR
based on
borrowing
£1,200
over 12 months, with
an annual fee of
£140

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account’s Summary Box).
What do these numbers mean?

Keep in mind you may receive a different APR (either 56.3% or 61.8% variable) based on your individual circumstances. The APR calculation considers the interest rate you pay and all other fees including the annual fee of £140.

Lloyds Bank Choice Rewards Credit Card

Lloyds Bank Choice Rewards
Credit Card Account

With two cards and one account, shopping has never been so rewarding

Choice points

Earn Choice points every time you use either of these two cards and redeem them for vouchers, gift cards, cashback, magazine subscriptions, Avios, and more.
Exclusive Club Lloyds offer: If you’re a Club Lloyds current account customer, we’ll refund £12 of the £24 Choice Rewards Credit Card Account annual fee (offer conditions apply). A monthly fee may be payable for a Club Lloyds current account; see our Club Lloyds page for details.

Balance transfer offer

0% for 24 months

on balance transfers made within 90 days of account opening

Balance transfer fee

3%

Purchase rate offer

0% for 24 months

from account opening

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
18.94%
and a variable
representative
23.7%APR
based on
borrowing
£1,200
over 12 months, with
an annual fee of
£24

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account’s Summary Box).
What do these numbers mean?

Keep in mind you may receive a different APR (either 26.9% or 31.1% variable) based on your individual circumstances. The APR calculation considers the interest rate you pay and all other fees including the annual fee of £24.

Platinum Low Rate

LLOYDS BANK PLATINUM CREDIT CARDPlatinum Low Rate

The low-interest credit card that can be your perfect shopping partner

Balance transfer offer

N/A

Balance transfer fee

0%

on balance transfers made within 90 days of account opening

Purchase rate offer

N/A

Representative example

Most successful applicants will get:

a variable annual
purchase rate of
6.45%
and a variable
representative
6.4%APR
based on borrowing
£1,200
over 12 months,
with an annual fee of
£0

Credit limits and interest rates vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?

Keep in mind you may receive a different APR (either 10.9% or 14.9% variable) based on your individual circumstances.

Student credit card

LLOYDS BANK CREDIT CARDStudent

Ideal for the hardworking student seeking extra credit

Balance transfer offer

N/A

Balance transfer fee

3%

Purchase rate offer

N/A

Representative example

Successful applicants will get:

a variable annual
purchase rate of
19.94%
and a variable
representative
19.9%APR
based on borrowing
£1,000
over 12 months,
with an annual fee of
£0

Your credit limit will vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,000. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account’s Summary Box).
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What do these numbers mean?

Keep in mind you must have a Lloyds Bank Student Current Account to apply for this credit card account.

Useful phone numbers


  • 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 032 0444 (+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.