Purchase credit card
A Lloyds Bank purchase credit card can help you spread the cost of an expensive item. Low or even 0% interest introductory offers may be available to help you manage repayments.
Lloyds bank credit cards
Compare a range of credit cards from Lloyds Bank
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
Who is Lloyds Bank?
Founded in 1765, Lloyds Bank is Britain’s second oldest bank and today is one of the U.K’s ‘Big Four’ banks and the largest retail bank in the country.
Lloyds Bank offers a variety of financial products including mortgages, credit cards, current accounts.
What types of cards do Lloyds Bank offer?
Unsurprisingly as one of Britain’s biggest banks, Lloyds Bank offer a variety of credit cards, including:
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Cashback
Lloyds Bank Cashback credit card lets you earn cashback on card purchases. All cashback earned shows on your monthly statement and there is no monthly or annual fee for taking out the card.
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Balance transfer
You can move your existing credit card debt to one card with Lloyds Bank’s balance transfer card. They often come with a low or even 0% introductory offer although a one-off transfer fee also usually applies.
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Premium credit card
A Lloyds Bank World Elite Mastercard offers cashback on purchases, which can double if your spending increases. It also offers travel perks including no foreign exchange fees, but there is a monthly fee.
How to pick the best Lloyds Bank credit card?
The best Lloyds Bank credit card will depend on how you intend to use your card:
If you travel often, then you could benefit from the Lloyds Bank World Elite Mastercard which allows you earn to cashback and travel-related benefits. But it also carries an annual fee.
If you want a clearer view of your finances, you can move your current credit card debt to one card with a balance transfer card.
If you want to benefit from cashback on your spending at selected retailers, then the Lloyds Bank Cashback credit card could fit the bill.
If you have a big purchase coming up, Lloyds Bank’s purchase credit card can make it more affordable by spreading the cost.
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Am I eligible for a Lloyds Bank credit card?
To be eligible for a Lloyds Bank credit card, you’ll need to meet the following criteria*:
Be a UK resident
Be aged 18 or over
Have a regular annual income
Not have any County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies on your credit file
Not be a student
Not have been declined for a Lloyds Bank credit card within the last 30 days
*Meeting the criteria does not guarantee acceptance
How to compare credit cards with MoneySupermarket
Comparing credit cards couldn’t be easier with MoneySuperMarket. Our eligibility checker tool will show you the cards you’re most likely to be approved for – and we'll protect your credit using a soft search.
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Tell us about yourself
We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card
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We browse the market
We'll sift through dozens of offers from across the market, and show you the cards we think will suit you best
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Pick the card you want
You'll be shown a range of cards, which you'll be able to sort according to APR, features and your chances of being approved
How long does it take to get a Lloyds Bank credit card?
Assuming you’re approved for the credit card you applied for, you should get your Lloyds Bank credit card in the post within seven days.
Can I get a Lloyds Bank credit card with bad credit?
You might be able to. But because Lloyds Bank doesn’t offer cards specially designed for people with impaired credit, such as credit-builder cards, you may have a harder time being approved than with some other lenders.
In the circumstances, it might be worth looking at a credit-builder card from another lender instead. These typically feature higher interest rates and lower credit limits than standard credit cards.
But as long you make your repayments in full and on time, a credit-builder card should allow you to boost your credit score - by demonstrating to lenders that you're a responsible borrower. So, in turn, you’re likely to improve your chances of getting a Lloyds Bank credit card in future.
How can I contact Lloyds Bank?
You can reach Lloyds Bank 's credit-card department on 0345 606 2172 (assuming you're ringing from the UK).
Operating hours are 7am-11pm, seven days a week.
Pay off as much as you can – in full if possible
It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.
Don’t miss payments
Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
Set up a direct debit to pay your credit card balance
Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.
Don’t apply for new credit cards too often
Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.
Get credit cards that offer rewards
Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already.
For example, an airmiles credit card. or one that earns you Avios travel-related points, is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.
Be careful when travelling overseas
If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.
Don’t use your credit card for cash withdrawals
Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.
Protect yourself from fraud
Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.
Credit card deals comparison
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit card deals and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
How we work
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
Take control of your credit score by checking and improving it for free with Credit Score
Never overpay again with Energy Monitor, our energy monitoring service
Earn rewards of up to £130 per year when you make a qualifying purchase with SuperSaveClub
So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.
Reviewed on 12 Dec 2025 by
