How to apply for a credit card
At Lloyds Bank you’ll find a range of credit cards to suit most borrowing needs.
But how do you apply for a credit card with us, and what things should you consider? This page should help answer all of those important questions.
Two simple steps to apply
Apply with peace of mind
What happens next?
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We’re always pleased to issue a new Lloyds Bank credit card, helping you with the next step on your journey.
How long will it take to get your new card?
When an application is approved, your PIN will be delivered by post within 5 working days.
Your new card will follow, arriving within 7 working days.We send these items separately for security. If your card doesn’t arrive within 2 days of your PIN being delivered, please call us on 0345 606 2172. Speak to an adviser 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.
In the meantime, you’ll receive two emails:
- Pre-contract information – the legal contract we provide before you accept the terms and conditions.
- Adequate explanation and Credit Card Agreement – a copy of the terms and conditions you’ve signed. This is issued once your application is complete.
- Pre-contract information – the legal contract we provide before you accept the terms and conditions.
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Was it an eligibility check?
Although it’s disappointing to be told you’re not eligible, the good thing about One Check and other eligibility tools is, to make an eligibility decision we’ll only complete a 'quotation' or 'soft search'.
This won’t affect your credit score.
Or a full credit application?
We will complete a full credit search if you submit a full credit application. If you’re declined, this will affect your credit score.
It’s important to know that multiple applications in a short period can negatively impact your credit score, which may further discourage lenders from offering you credit.

Where next?
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.Visit the Lending Standards Board website.
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.
How much we lend and the issue of a credit card depends on an assessment of your circumstances. You must be 18 or over and a UK resident to apply.
Terms and conditions apply to all Lloyds Bank credit cards benefits. Full details will be sent with your card. After each introductory period ends you will be charged at the appropriate standard rate.
Mastercard® is a registered trademark, and the circles design is a trademark of MastercardInternational Incorporated.