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Balance transfer credit cards
With your balances in one place, they could be easier to manage. Transfer fees may apply.
What is a balance transfer credit card?
You can use a balance transfer credit card to move balances from most other credit cards, and some store cards too.
- Balance transfer credit cards usually offer an introductory interest rate on transfers.
- With your card balances in one place, they could be easier to manage.
- Make as many transfers as you like within your agreed credit limit.
Just keep in mind
- You can’t transfer balances between Lloyds credit cards.
- You can only transfer up to 93% of your credit limit.
- Our minimum transfer amount is £100.
- Transfer fees may apply.
Balance transfer credit card features may vary. Make sure you understand all limitations, terms and conditions before you apply.
Let's look at the details
Our standard credit card features
Can I apply for a credit card?
Application basics
To qualify, you need to:
- be a UK resident
- be aged 18 or over
- have a regular income.
Check if you can apply
Answer a few simple questions to see the Lloyds credit cards you’re eligible to apply for, along with your estimated credit limit.
Our eligibility check won’t affect your credit score, and there’s no obligation to apply.
Make sure you've read
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Draft credit card account terms and conditions (PDF, 382KB)
We'll send you a full set of terms and conditions specific to you once you’ve been accepted for the credit card.
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Responsible lending
Lloyds is a responsible lender. We only want you to borrow what you can afford, in a way that’s best for you. The outcome of your credit card application depends on our assessment of your circumstances.
You can talk to a member of our team about the choices you've made. They’ll also be able to talk to you about your options if you’re experiencing financial difficulties.
A note on fraud
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. But, you and additional cardholders must take all reasonable measures to protect your account.
You should never tell anyone your PIN. You can give suppliers your card details and won’t be liable if they misuse them. But, if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.
Frequently asked questions
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With a balance transfer, you can move credit or store card balances to another credit card.
With a money transfer, you can move money from your credit card to your UK-based bank account. Please note: Section 75 protection does not apply to money transfers.
Transfer fees may apply to either type.
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Some credit card providers will allow you to transfer balances from accounts that aren’t held in your name. Just be aware, it’ll become your responsibility to repay that balance.
At Lloyds we don’t offer this as an option. To request a balance or money transfer, the name and address on both accounts must match.
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