How to pay your credit card

There are a number of ways to pay your credit card. This page details each of the options available to you.

Lloyds Bank Account

If you have a Lloyds Bank account, you'll be able to pay your credit card using our app or Internet Banking service.

Pay from a Lloyds Bank Account

Pay from another bank

There are a number of ways in which you can pay your Lloyds Bank credit card from another bank.

Pay from another bank

Debit card

If you have a UK debit card, you'll be able to pay your credit card using our app or Internet Banking.

Make a debit card payment

Direct Debits

Direct Debits enable payments to be made automatically from your selected bank or building society account when they’re due.

Set up a Direct Debit

Overseas

If you’ve got a UK bank account or debit card, you should be able to make payments online or by phone, even if you’re outside the UK.

Make an overseas payment

Other ways to pay

It simply and secure to make a payment online. However, if you don’t bank online, there are a number of ways to pay your credit card.

View other ways to pay

Key points about credit card payments

  • You can make payments to your credit card account at any time, but you need to pay at least the minimum amount shown on your statement each month. 
  • If you can't pay the whole statement balance, it's a good idea to pay as much as you can, as it may help to keep any interest costs down.
  • If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.
  • If you miss or make a late payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
  • Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due. 
  • You can also make payments, instead or in addition to a Direct Debit, from a bank account, with a debit card, by cheque or with cash at a branch. 
  • If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 
  • You can request to change your payment due date to better suit your needs, e.g. if you usually receive your salary later than your due date falls. The fastest way to do this is through Internet Banking on a laptop or desktop computer. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’, then 'Request payment due date change'.

Frequently asked payment questions

  • If you miss a payment, in addition to fees and charges, you could lose any promotional rates which apply to your account. If that happens, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score and your ability to borrow in future, so it’s important to keep track and manage your account well. 

    It’s important that you make at least the minimum payment shown on your statement each month, and that it reaches your account by the due date. 

    If you’re experiencing difficulties making your credit card payments, please let us know so we can help. You’ll find information and support at our money worries page, or you can call us on 0345 606 2172. Speak to an adviser 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week.

  • You can change your payment due date to better suit your needs, for example, if you usually receive your salary later than your due date falls.

    Using Internet banking – log on or register to get started. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’, then 'Request payment due date change'.

    Just be aware, your change may apply to a future payment, rather than the next one, depending when you make your request.

  • You may be aware that different rates of interest apply to portions of your balance, varying based on transaction type, and whether the standard or a promotional rate applies. To check the rates that apply to your account, refer to your latest credit card statement.

    To help you to keep your interest costs to a minimum, payments you make will be allocated to balances with the highest interest rates first, and to those which appear on your monthly statement, before those which will feature on future statements.

    If you have a balance at a promotional rate, it’s useful to remember that payments will apply to any standard rate balances first, even if the promotional period is nearly over.

    If you have more than one balance with the same interest rate, payments will be allocated in this order: 

    1. Cash transactions. 
    2. Card purchases.
    3. Balance and money transfers.
    4. Default fees, including interest and other charges added.

    Transactions and related fees or charges will be repaid in date order, starting with the oldest first.

  • When setting up a Direct Debit, you can choose to make; the minimum payment, clear the full balance or set a fixed amount.

    You can make additional payments at any time to reduce your balance and any interest costs, but it’s important to understand how interest is charged and when it applies, especially if you’re planning to pay off your balance in full. 

    Because interest is calculated daily and charged to your credit card statement when it’s produced each month, you may need to pay an amount of ‘residual interest’. It’s a little complicated, so we’ve created a short guide to explain paying your credit card balance in full. 

Support with the cost of living

Support with the cost of living

As living costs rise, keeping on top of your money might be worrying. We can help you manage your payments and provide some useful tools and tips.

Cost of living support

Where next?

Managing your card

Related guides

Looking for a card?

Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.

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.