In this review, we will look at Lloyds Bank Credit Cards and tell you what they have to offer you as a consumer.
We will also notify you about what charges are applied, how to apply for a card, and why they are cards that should be on your radar.

Benefits of a Lloyds Banks Credit Card
There are many benefits of using a Lloyds Bank Credit Card.
Starting with a 0% balance transfer rate and a 0% purchase rate for all purchases, it really cannot get any better than that.
Though specific benefits depend on the exact card you choose to apply for, there are also more general benefits that apply to all Lloyds Bank credit cards.
- Keeping Track of Your Card Online: When you need to manage your finances, it pays to have a bank that offers you the ability to do that quickly from the comfort of your home. This card can be accessed and monitored online, making it very easy to keep track of your expenses.
- Protection From Fraud: Cardholders are protected under the Consumer’s Act. So, if there are any fraudulent activities reported on the card, you will not be held liable.
- Easy Payments: You can make very easy payments on the card, either through a direct debit or a cash transfer to the bank or any other debt you have. In addition, you can make contactless payments with the card. This means that when using the app on your phone, you simply need to tap and make payments. No need to carry your card around with you anymore.
Also read: Ocean Finance Credit Card – Learn How to Apply
Fees and Charges
As an example, these numbers reflect the rates on the Lloyds Bank Everyday Credit Card.
- Annual fees – There are no annual fees on the card
- Balance transfer rate – This is charged at 9.94%
- Balance transfer fee – Charged at 5%
- Purchases – At the rate of 9.94%
- Interest-free period – Up to 56 days from getting the card
- Cash advances – Charged at 9.94%
- Minimum payment per month – Either 2.5% of the amount used or a flat rate of £5, whichever one is higher
- Foreign usage charge – This is charged at 2.95%
- Late payment fee – You will be charged £12 if you delay your payments
How to Apply for a Lloyds Bank Credit Card
Log in to the Lloyds Bank website to fill out your application form and receive more information about Lloyd Bank Credit Cards.
Ensure that you meet the following criteria before starting the application process:
- You must be a UK citizen.
- You must have a current UK address. If you have moved in the last three years, you should provide your previous address.
- You should provide your Lloyd Bank’s account number.
- You must be above 18 years.
- Must prove that you receive a regular income.
- You must not have declared bankruptcy directly and should not have any country court judgement.
- You shouldn’t have applied for a credit card and been declined in the last month.
Here's how you can apply:​
1. Check Your Eligibility with One Check
Lloyds Bank offers an eligibility checker called One Check, which allows you to see which credit cards you're likely to be approved for without impacting your credit score.
- Visit the One Check eligibility checker.
- Provide basic information such as your bank details, annual income, and spending commitments. Provide your personal information, such as your name, address, nationality status, financial situation, and contact information.
- In about five minutes, you'll receive a list of credit cards you're eligible to apply for, along with estimated credit limits.Â
2. Review Available Credit Cards
Based on your eligibility results, review the credit card options presented to you.
Consider factors like interest rates, rewards, and any introductory offers to choose the card that best fits your needs.Â
3. Submit Your Application
Once you've selected a credit card:​
- Follow the on-screen instructions to complete the application form.​
- Be prepared to provide details such as your address history for the past three years, employment information, and contact details.​
- Submit your application. Note that at this stage, a full credit search will be conducted, which will be recorded on your credit file.Â
4. Await Approval
After submission:​
- If approved, you'll receive your Personal Identification Number (PIN) within 3-5 working days and your credit card within 5-7 working days, both by post.Â
- If declined, consider reviewing your credit report and addressing any issues before reapplying, as multiple applications in a short period can negatively impact your credit score.
Also read:Â Discover How to Order a Suits Me Card
Contact Information
To contact the bank, you can call them at 0800 096 9779 or +44 170 227 8270, if you are calling outside the UK.
Additionally, their mailing address is 25 Gresham Street, London.

Conclusion
Lloyds Bank offers a diverse range of credit cards, from balance transfers and everyday spending to large purchases, cashback rewards, and premium travel benefits.
Before applying, it's recommended to use their eligibility checker to find the most suitable card without affecting your credit score.
If you have been thinking of applying for a Lloyds Bank Credit Card, we hope that the information we have provided above will help you.
Note: Consider the risks involved in using credit products before applying by consulting the issuing institution’s terms and conditions.