The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

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    Everyday Spending

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

    One low interest rate.

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

    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 Bank credit cards you’re eligible to apply for.
    • It won’t affect your credit rating.
    Check your eligibility

    Lloyds Bank credit card features

    Keep track online

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

    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.

    Easy payments

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

    UK call centre

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

    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.

    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 (PDF)

      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.

    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.