Credit Cards details

Your chosen card

To apply for this card

Go to the Lloyds Bank website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £24 annual Fee your representative rate will be 23.7% APR (variable).

The basics

  • Representative APR 23.7%(variable)
  • Payment Network American Express/MasterCard
  • Balance transfer fee 3%
  • Balance must be transferred within 90 days

Card features

Great for
Upgrade up to Business Class when you spend £7,000 a year
No foreign transaction fees when spending abroad
Double Avios for six months on your Lloyds Bank Avios Rewards American Express card
But be aware that
There is a £24 annual fee
You cannot transfer a balance from another Lloyds Bank card

Is this card right for you?

To take this card you

  • Must be aged 18 years or over
  • Must be a UK resident
  • Must have a regular income
  • Must not be currently declared bankrupt, have any County Court Judgments against you or be subject to an Individual Voluntary Agreement
  • Must not have an existing Lloyds Bank credit card

Introductory interest rates

Rate Duration
Purchases 0% 16 months
Cash advances - -
Balance transfers 0% 18 months
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.456% 18.94%
Cash advances 1.456% 18.94%
Balance transfers 1.456% 18.94%
Cheque advances - -
Money transfers - -
Price for risk Yes

Fees

Annual fee £24
Late payment £12
Over credit limit £12
Foreign exchange EU 0%
Foreign exchange non-EU 0%
Return payment £12
Copies of statements £6
Handling fee Min fee Max fee
Cash advances 3% £3 -
Cheque advances - - -
Balance transfers 3% - -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • The full balance if less than £5
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs; for specific details.
  • Allocation of payments:
    If you don’t pay your balance in full Lloyds Bank will allocate payments to balances with the highest interest rate before balances with lower interest rates. See section 6.1 of the terms and conditions for full details.

Credit limit

Minimum credit limit -
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards Avios

How your promotional rates will change

  • After 18 months, the rate on Balance Transfers will go from 0% to 18.94%.
  • After 16 months, the rate on Purchases will go from 0% to 18.94%.

Fees to be aware of

  • For a balance transfer, you'll be charged 3% of the balance you're transferring.

About Lloyds Bank

Lloyds Bank, is part of Lloyds Banking Group, one of the country’s largest banks. Millions of people have at least one banking product with Lloyds, be it a current account, mortgage, savings account, loan or credit card.

To apply for this card

Go to the Lloyds Bank website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £24 annual Fee your representative rate will be 23.7% APR (variable).

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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