What are you looking for in a Lloyds Bank credit card?

Our guide to choosing a credit card could help you to understand what type of card might suit you best based on your short and longer-term borrowing needs.

Everyday spending credit cards

Everyday spending credit cards

Manage your day-to-day budgeting with an everyday credit card. Usually come with a low interest rate on purchases.

More about everyday spending cards

Balance transfer credit cards

Balance transfer credit cards

Move other credit or store card balances to a single credit card. Usually come with an introductory interest rate offer.

More about balance transfer cards

Large purchase credit cards

Large purchase credit cards

Spread the cost of a larger purchase. Usually come with an introductory interest rate on purchases.

More about large purchase cards

How to apply for a Lloyds Bank credit card

Before you apply, you'll need to check your eligibility with One Check. One Check will show the cards you can apply for and what credit limit and interest rate you could get. Once you've checked your eligibility and found the card you want to apply for, follow the instructions and fill out the rest of the application form.

Credit is available subject to status.

Learn more about One Check
  • Let us help you choose a credit card that's right for you.

    One Check is our credit card eligibility tool that shows you the cards you're eligible for before applying for them.

    You'll be able to see which rates and offers you can choose from and your estimated credit limit straight away.

    Complicated? No. It’s really easy and it only takes 5 minutes. Just answer a few questions online and let us know how much credit you’d find useful. We'll do the rest. And don't worry; your credit rating won't be affected and there's no obligation to apply for a credit card afterwards. One Check will give you an instant decision.

    Check your eligibility now.

Why choose Lloyds Bank?

Lloyds Bank heritage

Lloyds Bank heritage

We’ve been providing banking services in the UK for over 250 years.

Fraud protection

Fraud protection

You won’t be charged for any transaction you didn’t authorise.

UK call centres

UK call centres

Call one of our UK call centres for help with your account.

See our frequently asked questions about applying for a credit card

  • You can apply for a credit card if:

    • You are a UK resident, aged 18 or over, with a regular annual income.
    • You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
    • You are not unemployed or a student.
    • You have not been declined for a Lloyds Bank credit card within the last 30 days.

    Before you apply, you’ll need to check your eligibility. This will show you the cards you can apply for and what credit limit we could offer you. You’ll just need to fill in some basic information like your bank details, annual income, spending commitments, and a couple of other things. It’ll only take about five minutes.

    Once you’ve checked your eligibility and found the card you want to apply for, simply follow the instructions and fill out the rest of the form.

    Learn more about how to apply for a credit card or check your eligibility now.

  • Rather than see a full list of all our credit cards, we’ll only show you the cards you’re eligible to apply for. This should make it easier to see if you’ll be accepted and what interest rate and credit limit you’re likely to get before you apply. That way, you can make a more informed choice and choose a card that’s right for you. It can also help protect your credit score by not allowing you to apply for cards you may well get declined for.

    Check your eligibility.

  • When you check your eligibility, we only perform a ‘soft search’ which won’t affect your credit score. This means it can’t be seen by other lenders and won’t affect applying for other products. However, if you go ahead and apply then we will do a full credit check. This will be noted on your credit file and may impact your credit score.

    Learn more about how credit checks work

  • The credit limit and interest rate we offer you will depend on a number of things. These can include your past borrowing history, how well you manage your accounts, your income, spending commitments, and more.

    By using One Check, our eligibility checker, you can see the interest rate and credit limit we could offer you before you apply. It only takes about five minutes and because it does a ‘soft’ search, it won’t impact your credit score.

  • Your credit card and PIN will arrive separately. This is for security. Your PIN will usually arrive in 3-5 working days. Your new credit card will usually arrive in 5-7 working days.

  • Before you take out a credit card, it’s important to make sure it’s the right option for your needs. Depending on what you want to borrow for and for how long, a credit card might not always be the best choice. A personal loan or an overdraft may end up being a better option for you. 

    Learn more about our different borrowing options.

  • If you have a credit card with another lender, then you may also be able to apply for a Lloyds Bank credit card. However, just because you already have a card, that doesn’t mean you will automatically be approved. We take lots of things into account when making a decision. You can check your eligibility before you apply to see the cards you’re likely to be accepted for.

    If you already have a Lloyds Bank credit card, then you might be able to take a second. Learn more about applying for a second credit card.

    If you’re having money worries, visit our Money Worries help page to find out how we can help.

Help and guidance

Understanding credit cards

Want to learn more about credit cards and how they work? Find help and support at our credit card hub.

How a credit card works

Credit card fees and charges

Cash transactions

More help and guidance topics

Get credit smart

Your credit score can affect what credit cards and rates you’re offered. Learn more about how credit works and how it might impact applying for a card.

How to improve your credit score

Can credit cards be used to build your credit score?

What is a good credit score?

Understanding credit

Managing your account

Support with the cost of living

As living costs rise, keeping on top of your money might be worrying. We can help you manage your payments and provide some useful tips and tools.

Mobile Banking app

Available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available on devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Our app does not work on jailbroken or rooted devices. Device registration required. Terms and conditions apply. Mobile Banking services may be affected by phone signal.


Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

How much we lend and the issue of a credit card depends on an 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 benefits. Full details will be sent with your card. After each introductory period ends you will be charged at the appropriate standard rate.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.