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Lloyds Bank Credit Cards

5 CARDS

Lloyds Bank, one of the UK’s largest and most established banks, offers a variety of credit cards to meet diverse financial needs, including low-interest, balance transfer, and rewards options. Lloyds cashback credit cards are especially popular, with the Club Lloyds rewards program providing cashback, travel perks, and other exclusive benefits for cardholders.

Lloyds Bank

Cashback Credit Card

3.5

OUR RATING

Representative APR

22.9% APR (variable)

Purchases

22.94% (variable) p.a.

Balance Transfers

22.94% (variable) p.a. (5% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., most accepted customers get a rate of 22.9% APR (variable).

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3.5

OUR RATING

Quick Look

The Lloyds Bank Cashback credit card comes with no annual fees and features a straightforward cashback scheme. It is suitable for individuals seeking a simple rewards card without ongoing costs.

Issuer	Lloyds Bank
Network	Mastercard
Primary Category	Cashback
Loyalty Scheme	Cashback
Incentive on opening	Cashback earnings of 0.25% on card purchases
Cashback rate (if applicable)	0.25% cashback on card purchases. The total cashback amount is usually credited to your credit card account to reduce the balance but not classed as a minimum repayment on your balance.
Account Fees	£0
Purchases	22.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	22.94% (variable) p.a. (5% fee)
Balance Transfer Fee (%)	5.00%
Cash Advances	22.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Lloyds Bank

Platinum Low Rate Credit Card

4.4

OUR RATING

Representative APR

10.9% APR (variable)

Purchases

10.94% (variable) p.a.

Balance Transfers

10.94% (variable) p.a. (0% fee for 90 days)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 10.94% (variable) p.a., most accepted customers get a rate of 10.9% APR (variable).

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4.4

OUR RATING

Quick Look

The Lloyds Bank Platinum Low Rate credit card offers a low interest rate along with 0% fees on balance transfers made within the first 90 days. It’s suitable for individuals seeking to reduce borrowing costs while managing existing credit card debt.

Issuer	Lloyds Bank
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	0% balance transfer fee if the transfer is completed within the first 90 days of card membership.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	10.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	10.94% (variable) p.a. (0% fee for 90 days)
Balance Transfer Fee (%)	5.00%
Cash Advances	10.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Lloyds Bank

Platinum 0% Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 21 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 19 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

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4.0

OUR RATING

Quick Look

The Lloyds Bank Platinum 0% Purchase & Balance Transfer credit card offers one of the longer promotional periods available, with up to 21 months of 0% interest on purchases and up to 19 months on balance transfers. It may suit those looking to spread the cost of new spending and manage existing debt without interest, provided repayments are made within the offer period.

Issuer	Lloyds Bank
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% interest on all purchases for up to 21 months and 0% for 19 months for balance transfers.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 21 months, then 24.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 19 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	24.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Lloyds Bank

Platinum Balance Transfer

4.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 6 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 31 months, then 24.94% (variable) p.a. (3.2% fee for 3 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

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4.6

OUR RATING

Quick Look

The Lloyds Bank Platinum Balance Transfer credit card offers up to 31 months of 0% interest on balance transfers, making it one of the longest balance transfer deals currently available. It may be a good option for those looking to repay existing credit card debt gradually without incurring interest provided the balance is cleared within the promotional period.

Issuer	Lloyds Bank
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% interest on Balance Transfers for up to 31 months
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 6 months, then 24.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 31 months, then 24.94% (variable) p.a. (3.2% fee for 3 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	24.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Lloyds Bank

World Elite Mastercard

3.9

OUR RATING

Representative APR

55.0% APR (variable)

Purchases

22.94% (variable) p.a.

Balance Transfers

22.94% (variable) p.a. (5% fee)

Account Fees

£15 per month

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., with a fee of £15 per month, most accepted customers get a rate of 55.0% APR (variable).

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3.9

OUR RATING

Quick Look

The Lloyds Bank World Elite Mastercard is designed for high earners and frequent spenders seeking premium benefits. It offers features tailored for frequent travellers, making it an attractive option for those who want enhanced rewards and travel perks.

Issuer	Lloyds Bank
Network	Mastercard
Primary Category	Cashback
Loyalty Scheme	Cashback
Incentive on opening	Travel benefits including Priority Pass and Airport Security Fast Track.
Cashback rate (if applicable)	0.5% cashback on purchases totalling up to and including £15,000 in each anniversary year from account opening. 1% cashback on purchases totalling over £15,000 in each anniversary year from account opening. Travel benefits including Priority Pass and Airport Security Fast Track.
Account Fees	£15 per month
Purchases	22.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	22.94% (variable) p.a. (5% fee)
Balance Transfer Fee (%)	5.00%
Cash Advances	22.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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