Lloyds World Elite Mastercard®

Access rewards and benefits wherever you are. £15 monthly account fee.

Check if you're eligible to apply for a Lloyds World Elite Mastercard® and see your estimated credit limit. This won't impact your credit score and there's no obligation to apply.

Check your eligibility

Credit is available subject to status.

Features and benefits

Lloyds World Elite Mastercard® offers cashback on everyday purchases, both 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.

Spending abroad

No foreign exchange fees on card purchases. Interest charges still apply.

Priority pass

Gain access to more than 1,300 airport lounges around the world.

Airport Security Fast Track

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

Priceless experiences

Access Mastercard’s exclusive PricelessTM experiences and offers.

Share the journey

Add another cardholder to share your travel benefits at no extra cost. You’ll also earn cashback when they make card purchases.

  • Handy for travel

    • Use the card freeze option in our app to control when and where your card can be used.
    • Mastercard credit cards are accepted in most countries worldwide.

    Other standard features

    • Manage most things online: check your balance, review transactions, view paper-free statements, make payments, request transfers and more.
    • Fraud protection: you won’t be charged for transactions you didn’t authorise. But you must let us know if you notice unusual account activity, or if you lose your card.
    • Ways to pay: make repayments by bank transfer, debit card or direct debit. Pay more than the minimum at any time to reduce your borrowing costs.
    • Contactless cards: pay quickly and securely anywhere you see the contactless symbol.
    • Mobile payments: add your credit card to a mobile device to make secure payments online, and on the go.
    • UK call centres: we’re just a phone call away – here for emergencies. 

Representative example

Based on an example borrowing of £1,200 with an account fee of £15 per month:

Purchase Rate (variable):
22.94% p.a

Representative (variable):
55.0% APR

Credit limits may vary, subject to an assessment of 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.

Let's break it down

Cashback and travel benefits

  • Cashback will be paid to your credit card account monthly – the day after your statement date.
  • Cashback won’t count as a repayment. You must make at least the minimum payment by the date shown on your monthly statement.
  • You’ll only earn cashback on card purchases made by you or your additional card holder. No other account transactions will qualify.
  • To earn cashback and access benefits, you must follow the terms and conditions of your account.
  • To check your cashback balance and access all World Elite Mastercard® benefits, register for online banking and download our mobile app.

Third-party providers and the benefits they provide may change over time. To provide you with these benefits, Lloyds Banking Group will share information with Mastercard and other benefits providers.

Understanding costs

  • If you only repay the minimum, it will cost more in interest and take longer to clear your balance.
  • You will still be charged cash withdrawal fees and interest will be charged from the day you take it out.

Explore the benefits

Watch a short video explaining the benefits of a Lloyds World Elite Mastercard® (1 min 21 sec).

Lloyds Bank World Elite Mastercard video.

Before you go ahead

Who it's for

You can apply for this card if you:

  • are a UK resident aged 18 or over
  • have a regular income
  • don't have a history of bad credit, such as bankruptcy, Individual Voluntary Arrangement (IVA) or County Court Judgments (CCJs)
  • haven't been declined for a Lloyds credit card in the last 30 days.

Ask yourself

  • Does a credit card suit my needs, or should I consider other borrowing options?
  • Will I be able to make repayments, even if my circumstances change?

In addition to fees and charges, you could lose any promotional rates if you don’t meet the terms of your account. For example, if you don’t make at least the minimum payment on time each month. If a promotional rate is withdrawn or simply expires, the standard account interest rates, fees and charges will apply.
 

Moneyfacts Credit Card Provider of the Year 2026

Lloyds has been awarded Credit Card Provider of the Year at the 2026 Moneyfacts awards.

MoneyFacts credit card provider of the year 2026.

Check if you're eligible

 

 

Already with Lloyds

Scan the QR code to get the app.

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.

Check your eligibility

Already with Lloyds

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

Get the app

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.

Check your eligibility

Let’s look at the details

    • Use your digital membership QR code or Lloyds World Elite Mastercard® to access any of the 1,300+ lounges within the Priority Pass network.
    • Your additional cardholder must show their own QR code or Lloyds World Elite Mastercard®.
    • Entry to the lounge is subject to availability.
    • A fee is payable for extra guests.

    Priority Pass

    If you already have a Lloyds World Elite Mastercard®, learn how to access your benefits.

    • Once registered, you can browse the participating airports list to book your appropriate Airport Security Fast Track pass.
    • Your additional cardholder will need to book their own Airport Security Fast Track using their own card and personal details.
    • A fee is payable for extra guests.

    Mastercard Travel Experiences

    If you already have a Lloyds World Elite Mastercard®, learn how to access your benefits.

  • Explore the world and access Mastercard's exclusive priceless experiences and offers.

  • Draft credit card account terms and conditions (PDF, 382KB)

    We'll send you a full set of terms and conditions specific to you once you’ve been accepted for the credit card.

  • Responsible lending

    Lloyds is a responsible lender. 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.

    You can talk to a member of our team about the choices you've made. 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. But, you and additional cardholders must take all reasonable measures to protect your account.

    You should never tell anyone your PIN. You can give suppliers your card details and won’t be liable if they misuse them. But, if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.

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