Your new credit card account
Get started and find out everything you need to know about your new Lloyds Bank credit card.
What happens now?
Everything you need to get started with your new credit card will be sent by post to your address.
- You'll receive your PIN
Your PIN will arrive by post together with a reminder of your credit limit. If it hasn't arrived within 5 days, please call 0345 606 2172. - You’ll receive your credit card
Your new credit card will arrive by post, separately to your PIN. If it hasn’t arrived within 7 days, please call 0345 606 2172. - Activate your credit card
Once your card has arrived, you can activate it online (ensure you have your card to hand) or call us on 0800 032 0444.
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If you already have a Lloyds Bank account, you can use Internet Banking to see your credit card balance alongside your other accounts. You can instantly make transfers to your credit card, and keep an eye on what you’re spending.
It’s free and easy to manage your credit card online:
- see your credit card balance as well as up to three months’ transaction history
- manage your PIN
- pay your credit card online
- apply to increase or decrease your credit card limit (subject to status)
- make balance transfers
- add an additional cardholder
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If you are the cardholder, you can request an additional card for a family member or someone else over 18 years old. All transactions appear on a single monthly statement, so you can easily keep track of family spending.
Keep in mind that the original cardholder remains responsible for all spending on the account made by the additional cardholder.
Requesting an additional card for a new cardholder is simple:
- log on or register to Internet Banking
- call us on 0345 606 2172.
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Making payments to your Lloyds Bank credit card is easy. Here are some of the ways you can make a payment:
Direct Debit
Setting up a Direct Debit for your Lloyds Bank credit card means you’ll have one less thing to sort out each month. You also have control over how you pay, as with a Direct Debit, you can choose to pay:
- your entire bill each month
- a fixed amount each month
- a fixed percentage each month
- the minimum payment each month
Keep in mind that if you only pay the minimum each month, it could take a long time to clear your debt.
Whichever option you choose, you’ll have the reassurance of knowing your payment will automatically be made on time, so you won’t be charged any late payment fees.
You can easily set up a Direct Debit in several ways:
- log on or register for Internet Banking
- pop into your local branch
- call us on 0345 606 2172
Internet Banking
If you have a Lloyds Bank account, you can register or log on to Internet Banking and select the ‘Pay credit card’ button. From here you can choose your preferred payment options. Please keep in mind that if you're making a payment to your Lloyds Bank credit card online, the payment will not be reflected in your list of recent transactions until the next working day.
By phone
You can call us on 0345 606 2172 (or +44 1702 278 272 from outside the UK) to make a payment to your credit card if you have a Lloyds Bank debit card.
By cheque
Your monthly statement comes with a Giro credit slip and envelope. Simply fill this out and post it.
Paying from another bank
If you do not have a Lloyds Bank Current Account you may be able to pay through another bank you have an account with. Please use the following sort code and account when making the payment:
- Bank account number: 0000 0000
- Sort code: 77-29-00
Your reference should be your 16-digit credit card number you are paying. You should check with your banking provider that your payment will reach your account by the due date shown.
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Your Lloyds Bank credit card has all our latest protection measures built in. Here’s a quick run-down of how you’re protected:
- the internet shopping promise means that you’ll be covered against fraud
- we monitor transactions automatically to make sure you’re the one who’s made them
- we’ll alert you if we think any transactions are suspicious
- your card comes with ClickSafe®, a free service which gives you extra protection when you're shopping online
The best way to keep your card safe and protected is to make sure you take simple precautions. Here are some tips for keeping your card safe and secure:
- use a different PIN for each account you have
- never tell anyone your PIN, password, or account details
- check your statements as soon as you receive them and let us know immediately about any transactions you don’t recognise
For more advice and information about using your card securely, visit our security page.
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.
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.