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Everyday Spending

Some customers simply want a credit card with a low rate.

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One low interest rate.

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Most credit cards purchases are protected under Section 75 of the Consumer Credit Act.

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A low rate card could help you manage your monthly budget.

Check if you’re eligible with One Check.

One Check lets you find out if you are likely to be accepted for a Lloyds Bank credit card - with no obligation to apply afterwards.

It’s really simple and straightforward. All you need to do is to answer a few questions to get an instant decision. And it only takes about 5 minutes. With One Check, you can:

  • See your estimated credit limit up front.
  • See all the Lloyds credit cards you’re eligible to apply for.
  • It won’t affect your credit rating.

Lloyds Bank credit card features

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Keep track online

Manage your credit card where and whenever you want with our desktop service or mobile app.

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UK call centre

Need to speak to someone? We’re just a phone call away.

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Protection from fraud

You won’t be liable for any transactions that are confirmed as fraudulent, providing you tell us as soon as you spot anything unusual or if your card is missing.

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Contactless payments

Just like your debit card, your credit card can make contactless payments. You can even add the card details onto your mobile phone.

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Easy payments

Make your payments whichever way is easiest for you, including debit card, Direct Debit and at your bank or building society.

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Paperless statements

Your credit card account will be set up with paperless statements as standard. We’ll always let you know when your newest one is ready to view.

What does it mean for me?

Draft credit card account terms and conditions

A full set of Terms and Conditions specific to you will be issued once you’ve been accepted for the Credit Card.

Responsible lending

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.

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. 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.

You can apply for a Lloyds 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.