Everyday spending credit cards

An everyday spending credit card could be a useful way of staying in control of your finances.

  • Usually come with a low interest rate on purchases.
  • Can help you manage your essential expenses and regular bills.
  • Section 75 protection on most purchases of over £100 but not more than £30,000.

Features you’d expect - as standard

  • Online card management: Register online to check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
  • Full fraud protection: You won’t be charged for transactions you didn’t authorise. You’ll need to let us know if you notice anything unusual, or if you lose your card.
  • Ways to pay: Make repayments through your bank, using your debit card, or set up a regular Direct Debit to take care of it automatically.
  • UK call centres: You can call us 24/7 (in most cases) if you need to talk to us about something on your account.
  • Contactless cards: Make secure payments with your card wherever you see the contactless symbol. Or add your card to your phone, to make paying even quicker.
  • Paperless statements: Get your statements delivered online instead of through your letter box.

What does this mean for me?

  • Draft credit card account terms and conditions (PDF, 775KB)

    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’s 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’ll refer you to a member of staff to help you. 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. However, you and additional cardholders must take all reasonable measures to protect your account. You should never disclose your PIN to anyone. You can give suppliers your card details and won’t be liable if they misuse them. However, if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.

You can apply for a Lloyds Bank credit card if:


  • You’re a UK resident, aged 18 or over, with a regular annual income.
  • You don’t have any County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies on your credit file.
  • You’re not unemployed or a student.
  • You’ve not been declined for a Lloyds Bank credit card within the last 30 days.

Check if you’re eligible with One Check

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

It’s simple. Answer a few questions to get an instant decision on which cards you are eligible to apply for. And it takes about 5 minutes. With One Check, you can:

  • See your estimated credit limit up front.
  • See the credit cards you’re eligible to apply for.
  • It won’t affect your credit score.
Check your eligibility