Travel credit cards

At home or abroad, a credit card with travel features could come in handy.

Check if you can apply and get an estimated credit limit. This won’t affect your credit score.

Check your eligibility

Credit is available subject to status.

Typical features and benefits

With selected travel credit cards, features could include:

No foreign exchange fees

When you make purchases in a foreign currency. Interest charges still apply.

No cash withdrawal fees

When you take money out at a cash machine. Some machine providers charge a fee. Interest charges still apply.

Travel-related features

Some cards offer extra features to benefit frequent travellers, but a monthly fee could apply.

  • Handy for travel

    • Add up to 3 additional cardholders, helping you keep track of household spending in one place.
    • Use the card freeze option in our app to control when and where your card can be used.
    • Mastercard and Visa credit cards are accepted in most countries worldwide.

    Other features you might like

    • Contactless card. Pay quickly and securely anywhere you see the contactless symbol.
    • Digital wallet. Add your credit card to a mobile device to make secure payments online, and on the go.
    • Manage most things online. Check your balance, review transactions, view paper-free statements, make payments, request transfers and more.
    • Repaying your balance. Make payments by bank transfer, debit card or direct debit. Pay more than the minimum at any time to reduce your borrowing costs.
    • Section 75 protection. Single item credit card purchases could be covered under Section 75 of The Consumer Credit Act 1974 if something goes wrong.
    • 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.
    • UK call centres. We’re just a phone call away – here for emergencies.

Let's break it down

Good to know

  • Most credit cards charge a fee of around 3% on each transaction you make in a foreign currency, whether at home or abroad. That fee may not apply when using a travel credit card.
  • Overseas payment providers could charge a currency conversion fee if you choose to pay in pounds sterling instead of local currency.
  • As well as cash withdrawal fees, most credit cards also charge an exchange fee on foreign currency withdrawals. That fee may not apply when using a travel credit card.
  • Travel credit card features might vary. Make sure you understand all limitations, terms and conditions before you apply.

Understanding costs

  • Only paying the minimum will cost more in interest and take longer to clear your balance.
  • Interest is charged from the day cash is withdrawn and until you pay it back. Some cash machine providers may charge a fee.
  • Interest will be charged on purchases unless you repay your balance in full each month. Other credit card fees and charges could apply.
  • If you pay late or miss a payment, fees might apply, and it could damage your credit score.

Before you go ahead

Who it’s for

You can apply for a 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

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

You’ll get an estimated credit limit and it won't affect your credit score.

 

Check in the Lloyds app

If you’re already registered for online banking, we’ve got your info which makes it quicker.

Scan the QR code to get it.

Once you’re in, check your eligibility by selecting Apply then Credit cards.

Check online

Enter your info online.

We’ll need a few details like your name, address history and employment status.

Check your eligibility

Check in the Lloyds app

If you’re already registered for online banking, we’ve got your info which makes it quicker.

Once you’re in, check your eligibility by selecting Apply then Credit cards.

Get the app

Check online

Enter your info online.

We’ll need a few details like your name, address history and employment status.

Check your eligibility

Let’s look at the details

  • Transactions made outside the UK are subject to the variable exchange rate set by Mastercard or Visa.

    The rate you pay depends on when the transaction is processed by your card provider. Usually, within a few days of the original transaction date.

  • On card purchases

    A foreign exchange fee could apply to each transaction.

    On cash transactions

    Foreign exchange and cash transaction fees could apply when:

    • withdrawing non-sterling currency from a cash machine
    • buying non-sterling currency over the counter at a bureau de change, bank or Post Office.

    Some credit cards offer travel-related features – either as standard or for a limited time – which could help you limit any non-sterling transaction fees.

  • You can withdraw non-sterling currency or buy travel money over the counter using a credit card. But it’s important that you understand the costs.

    As well as standard interest, foreign exchange and cash transaction fees could apply. So, you might want to limit cash withdrawals to emergency situations only.

    Cash transactions fees

    Some travel credit cards waive the non-sterling cash fee as an account benefit, helping to limit extra costs. Before you use your card, it’s worth checking the terms of your account, just to make sure you understand what fees and charges might apply.

  • With Lloyds, you don’t need to tell us in advance before taking and using your credit card abroad.

    We’re always working to protect your accounts, wherever you are.

    Other providers might ask that you tell them before using your credit card abroad, so make sure you check before you travel.

    Protecting yourself from fraud
     

  • To take advantage of your card issuer’s currency conversion rate, we usually recommend paying in local currency.

  • 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.

  • Our responsibilities to you

    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 any 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.

Explore your options

We want to make sure you know about our credit card options that include travel features. Here are some that might suit you.

Lloyds Ultra Credit Card

For everyday and ‘one day’, with a range of benefits in one Ultra convenient package.

Lloyds Ultra Credit Card

World Elite Mastercard®

A credit card designed for travelling with. 

World Elite Mastercard®

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Help and guidance

Whether you’re new to credit cards or you’re an existing customer we are here to help. 


Help and guidance

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Credit cards

What do you need a credit card for? Our range includes balance transfer, large purchase, everyday spending and reward credit cards. A monthly fee may apply to some reward credit cards.

Explore credit cards