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Applying for a second credit card

As an existing Lloyds credit card customer you can apply for a second credit card.

A second Lloyds credit card could give you additional flexibility over your finances with the ability to keep balances separate by using a second card for a specific purchase, event or to consolidate existing credit card debt.

A second card may also give you the opportunity to take advantage of different credit card benefits such as introductory offers and rewards. You may also be able to redistribute your credit limit between your existing credit cards.

How could a second card help you?

For example, you’re paying off a balance on your existing credit card but would like to put day-to-day spending on a second card keeping the balances separate.

This could give you the flexibility to keep your current card and apply for a second card and benefit from both.

Representative APRs between 6.4% APR and 23.7% APR variable.

Only want one credit card?

Change your existing credit card to unlock different features and benefits to what you have now

How to apply for a second credit card:

1. Check you're eligible to apply.

You can apply for a second Lloyds Credit Card subject to the following conditions:

  • Your existing card with Lloyds Banking Group isn't a Student or Classic credit card
  • You can only have one Rewards credit card
  • You’re not applying within 60 days of having opened your first credit card with us.
  • You can only have a maximum of two credit cards with Lloyds Bank and a maximum of five with Lloyds Banking Group (which includes Bank of Scotland and Halifax).
  • Your application is subject to a full credit and affordability check.

2. Compare and apply online.

Compare our range of Lloyds Bank Credit Cards and apply online.

Please note: we do not accept balance transfers from other Lloyds Bank credit cards.

Compare and Apply Online

Other options available on your existing credit card

Useful phone numbers

Lost or stolen cards - 0800 096 9779
(+44 1702 278270 from outside the UK)
Open 24 hours, seven days a week

Credit card enquiries - 0345 606 2172
(+44 1702 278 272 from outside the UK)
Open 7am - 11pm, seven days a week

Activation - 0800 032 0444
(+44 2074 812 548 from outside the UK)
Open 7am - 11pm, seven days a week

Balance transfers - 0345 606 2172
(+44 1702 278 272 from outside the UK)
Open 7am - 11pm, seven days a week