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Credit cards

Check if you’re eligible with Lloyds:

  • Get an answer in about 5 minutes.
  • See the credit cards you’re eligible to apply for.
  • It won’t affect your credit score.

Check your eligibility

What cards do we offer?

Scroll through the different types of credit card available with Lloyds.

Cashback credit card

Earn cashback on most card purchases, with no monthly account fee.

Cashback credit card

World Elite Mastercard

Earn cashback on most card purchases and access travel benefits. A monthly fee applies.

World Elite Mastercard®

Everyday spending

Typically offering a low interest rate for everyday credit card purchases.

Everyday spending cards

Balance transfers

Consolidate balances from most credit cards and some store cards. Transfer fees may apply.

Balance transfer cards

Large purchase

Helpful when you need to spread the repayments of larger purchases and expenses.

Large purchase cards

What are you looking for in a credit card?

Whether you’re searching for your first credit card, or a new card to meet your changing needs, we could help.

  • Convenience – credit cards offer a flexible way to borrow and spread your repayments.
  • Benefits to suit you – whether you want a credit card for purchases, consolidating credit and store card debts, earning rewards or to access travel benefits.
  • Build credit – using and managing a credit card responsibly can help to build your credit score over time. 

Before using credit, it’s important to consider your borrowing options and what you can realistically afford to repay. Things like carrying high debt balances, missing payments and going over your credit limit could negatively impact your credit score.

Credit is available subject to status.

Learn more about credit cards

How to apply for a Lloyds Bank credit card

1. Check if you can apply

Answer a few simple questions to get started. Our credit card eligibility check takes a few minutes to complete, and it won’t affect your credit score.
 

2. Compare credit cards

Browse the list of credit cards you're able to apply for. There’s no obligation, but if you find a credit card offer you like, you can proceed with a full application.

3. Complete your application

Answer a few further questions and accept the account terms and conditions. Just be aware, we’ll complete a full credit check at this point, which may impact your credit score.

Is a credit card right for me?

Application basics

To qualify, you need to:

  • be a UK resident
  • be aged 18 or over
  • have a regular income.

You should know

You won’t qualify if you:

  • are unemployed or a student
  • have bankruptcies on your credit file
  • have County Court Judgements (CCJs)
  • have Individual Voluntary Agreements (IVAs)
  • have been declined for a Lloyds credit card within the last 30 days.

Before you go ahead:

  • Does a credit card suit my needs, or should I consider other borrowing options?
  • Will I be able to make repayments, even if my circumstances change?

In addition to fees and charges, you could lose any promotional rates if you don’t meet the terms of your account. For example, if you don’t make at least the minimum payment on time each month. If that happens, the standard account interest rates, fees and charges will apply.
 

Our standard credit card features

  • Manage most things online: check your balance, review transactions, view paper-free statements, make payments, request transfers and more.
  • Fraud protection: you won’t be charged for transactions you didn’t authorise. But you must let us know if you notice unusual account activity, or if you lose your card.
  • Ways to pay: make repayments by bank transfer, debit card or direct debit. Pay more than the minimum at any time to reduce your borrowing costs.
  • Contactless cards: pay quickly and securely anywhere you see the contactless symbol.
  • Mobile payments: add your credit card to a mobile device to make secure payments online, and on the go.
  • UK call centres: we’re just a phone call away – here for emergencies. 

Know your credit score

If you use online banking or our app, you can sign up for the ‘Your Credit Score’ service to see your rating with TransUnion. It’s free to check and won’t hurt your credit score.
 

More about Your Credit Score

See if you can apply

Answer a few simple questions to check if you can apply for a Lloyds credit card. Our eligibility check won’t affect your credit score, and there’s no obligation to apply.

Check your eligibility

Let’s look at the details

Boost your credit card knowledge

Understanding credit cards

How to apply for a credit card

Credit card interest calculator

Credit card fees and charges

Withdrawing cash and cash transactions

Managing your credit card

Activate your credit card

Ways to pay your credit card

Tips for managing your credit card

All existing customer topics

Support with the cost of living

Support for all

Whether or not you manage your money with Lloyds, we can connect you to useful resources and support with money worries.

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Existing customer?

Get support using online banking or the app. Simply log in and look for: need help with your debt or payments?

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