You. And the credit card to match.

Lloyds Bank World Elite Mastercard®

Wherever you are, access rewards and benefits

Lloyds Bank World Elite Mastercard® is a rewards card that comes with cashback on your everyday purchases, whether you’re at home or away, and a world of travel benefits.

  • 0.5% cashback on purchases totalling up to and including £15,000 in each anniversary year from account opening.
  • 1% cashback on purchases totalling over £15,000 in each anniversary year from account opening.
  • No foreign exchange fees for the first 60 months from account opening.
  • Travel benefits including Priority Pass and Airport Security Fast Track.

£15 monthly account fee.

Credit is available subject to status, to UK residents aged 18 and over.

Check your eligibility

A world of travel benefits

Priority Pass

Gain access to more than 1,300 airport lounges, worldwide.

Priority Pass

Airport Security Fast Track

Skip the queues and upgrade your experience through airport security at participating airports, provided by DragonPass.

Airport Security Fast Track

Priceless experiences

Access Mastercard’s exclusive Priceless TM experiences and offers.

Priceless experiences

Share the journey

Add another cardholder to share your travel benefits and experience, and boost your cashback at no extra cost.

Representative example

Based on example borrowing of £1,200 with an account fee of £15 per month and an interest rate on purchases of 22.94% p.a. variable, you'll receive a 55.0% APR representative variable. Credit limits may vary based on your personal circumstances.

Your standard interest rates will be linked to the Bank of England Base Rate. This means they will change automatically in line with changes to the Base Rate, but any promotional rates and offers you have won't.

As our standard interest rates are variable it means we can also change them for other reasons in the future if we need to.

What do I need to know about the Lloyds Bank World Elite Mastercard®?

  • Cashback will be awarded monthly to your credit card account - the day after your statement date.
  • Cashback won't be treated as a payment and you must make at least your minimum monthly payment on time each month.
  • Paying only the minimum monthly payment will take longer to repay and cost you more in interest.
  • You’ll earn cashback on card purchases made by you or an additional card holder. You won’t earn it on anything else added to your account.
  • To continue to earn cashback and access benefits, make sure you manage your credit card in line with the terms and conditions.
  • After your promotional period, foreign exchange fees will be charged at 2.95%.
  • You will still be charged cash withdrawal fees and interest will be charged from the day you take it out.
  • To access and use the full range of benefits on the World Elite Mastercard® and check your cashback balance, you should register for Internet Banking and download the Mobile Banking App.


Travel benefits important information

  • Some benefits are provided by third parties and the benefits and providers could change.
  • To provide you with these benefits, Lloyds Banking Group will share information with Mastercard and other benefits providers.

Frequently asked questions

Features you get as standard

  • Section 75 protection on most purchases of over £100 but not more than £30,000.
  • Online card management. Register online to check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
  • Full fraud protection. You won’t be charged for transactions you didn’t authorise. You’ll need to let us know if you notice anything unusual, or if you lose your card.
  • UK call centres. You can call us 24/7 (in most cases) if you need to talk to us about something on your account.
  • Ways to pay. Make repayments through your bank, using your debit card, or set up a regular Direct Debit to take care of it automatically.
  • Contactless card. Make secure payments with your card wherever you see the contactless symbol. Or add your card to your phone, to make paying even quicker.
  • Paper-free statements. Get your statements delivered online instead of through your letter box.

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 World Elite Mastercard®, with no obligation to apply afterwards. 

It’s simple and only takes about five minutes. And with One Check:

  • You can see your estimated credit limit up front.
  • It won’t affect your credit score.

Check your eligibility

Important documents

  • Draft credit card account terms and conditions (PDF, 992KB)

    A full set of terms and conditions specific to you will be issued once you’ve been accepted for a Lloyds Bank World Elite Mastercard.

  • 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.

Where next?

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How a credit card works

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