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.
What does this mean for me?
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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.
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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.
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.
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.