You can apply if you:
It's important you find a credit card that's right for you. Our guide on how to choose a credit card explains the things you'll need to consider before selecting a card.
*Second cards excludes Student Credit Card customers. Conditions apply.
Compare our cards to make sure you find the right one. We even have a card selector to help you choose.
To apply, you will need:
You can apply for a credit card online, in branch or on the phone. Some balance transfer offers are only available when you go online. You will find out if you have been successful halfway through the application.
Internet Banking is the quickest and easiest way of applying for a credit card. The application form will work well on your desktop, smartphone or tablet.
When making a lending decision, these are some of the things we consider: -
A balance transfer is the process of transferring a balance from one credit card or store card to another. You can do this from most non-Lloyds Bank credit cards and some store cards (if they have the Visa®, Mastercard® or Amex® logo).
You can apply for a balance transfer during your application for a new credit card. Or after you have received your card, you can also so do by logging in to Internet Banking, visiting your nearest branch or calling us.
Your card will arrive within seven working days and your PIN will arrive within five working days. If your card hasn't arrived within two days of your PIN, please call us on 0345 606 2172.
You'll also receive two emails:
There are a number of reasons why you may have been declined for a credit card:
You should think carefully about which type of credit card will suit you. Take care not to apply for too many credit cards because every time you apply for a card, whether your application is successful or not, it’s noted on your credit file. This can make some credit card issuers concerned about lending to you.
The issuer will inform you of your declined application and tell you which credit reference agency was used. First of all you may want to find out why you were declined. The best way to do this will be to contact the credit referencing agency.
Credit reference agencies share details about people who want to borrow with lenders - such as credit card issuers. The lenders then use these details to work out your credit score and decide whether to offer you a credit card. Your credit score is based on the information you provide and what's in your credit file.
You can get a copy of your credit file from these agencies by visiting their websites. There may be a small fee for this service. If you think your information is incorrect or would like to explain the background of specific details, then you should contact the agencies. This is called a Notice of Correction and anyone searching your file in the future will see this and must take account of it.
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. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.
The issue of a Credit Card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.
Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.
Please note for 0800, 0844 and 0845 numbers call costs may vary dependent on your service provider.