Lloyds credit cards

If you’re thinking about getting a credit card, find out whether a Lloyds credit card could be an asset to your finances.

Man in a cafe browsing credit cards

Who is Lloyds?

Lloyds is one of the most well-known banks on the high street, offering everything from current accounts to home insurance.

It was started over 250 years ago and today Lloyds banking group is made up of household names like Halifax, Bank of Scotland and Scottish Widows.

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Lloyds credit card facts

Here are the headlines:

  • Choose from balance transfer, everyday spending, large purchase and cashback credit cards
  • Look out for lengthy 0% introductory periods on balance transfer and purchase cards, but remember you’ll be moved to the card’s standard interest rate when they end
  • There’s no limit on the amount you can earn on a Lloyds cashback card
  • If you’re approved for a card, it will usually take up to seven days to arrive
  • Download the Lloyds banking app to easily manage your credit card from your phone or tablet
  • You’re unlikely to be approved for a Lloyds credit card if you have a poor credit rating
  • Using our smart search can help you check which Lloyds cards you’re more likely to be accepted for without harming your credit rating
  • Section 75 of the Consumer Credit Act provides protection on purchases made on your credit card costing between £100 and £30,000

Why choose a Lloyds credit card?

Lloyds has a variety of credit cards to choose from including balance transfer, everyday spending, large purchase and cashback options.

It has been a big hitter in the British banking world for over 250 years and is a trusted household brand.

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How to get a Lloyds credit card?

You’ll need to pass the eligibility criteria before you’ll be considered for a Lloyds credit card:

  • You must be aged 18 or over
  • You must be employed with a regular income
  • You must be a resident of the UK
  • You must not have applied and been rejected for a Lloyds credit card within the previous 30 days
  • You must not have been declared bankrupt, be subject to an individual voluntary agreement or have any county court judgements

If you fit these criteria, you can then use our smart search tool to see which credit cards you’re more likely to be accepted for before you apply.

This means that you’re less likely to be rejected, which can negatively affect your credit score.

How do I get in touch with Lloyds?

For all credit card enquiries, you can contact Lloyds on 0345 606 2172 when phoning from the UK.

Opening hours are 7am - 11pm, seven days a week.

What are the benefits of a Lloyds credit card?

You can use the mobile banking app to manage your credit card from your phone. For instance, you can view pending transactions, report your card as lost or stolen and freeze your credit card on the app.

Also, you can take advantage of the live chat on the Lloyds site to get any burning questions you have answered.

Lloyds’ dedication to fraud protection means you won’t be charged for any transactions that you haven’t authorised.

Of course, before you decide whether a Lloyds credit card is right for you, it’s important to compare it against options from other lenders to see whether you could be getting a better deal elsewhere.

Consider whether you can afford the repayments, the introductory period, what you want to use it for, the standard interest rate (which you’ll be moved to when the introductory period ends) and any fees you may be charged.

Are there costs involved?

You may be subject to fees when using your Lloyds credit card, depending on which one you have chosen, this could include:

  1. Balance transfer fees

    This will be charged when you move debt onto your balance transfer card and is usually a percentage of the amount you’re transferring

  2. Money transfer fees

    When you move funds from your credit card to your current account, similar to a balance transfer you may be charged a percentage of the amount you’re moving

  3. Cash advance fees

    This type of charge may apply for withdrawing cash at an ATM, buying foreign currency or sending money orders (among other things). This is usually a percentage of the value of the transaction

  4. Spending abroad fees

    You might be charged a non-sterling transaction charge for using your credit card on holiday

  5. Annual fee

    Certain credit cards, usually ones that offer rewards or perks, may charge an annual fee

  6. Default charges

    Exceeding your credit limit, missing your repayments or returned payments may also result in being charged


There are two ways to cancel your Lloyds credit card.

You can phone on 0345 606 2172, lines are open 7am-11pm, seven days a week.

Or you can write to:

Lloyds Banking Group PLC,

Credit Card Operations,


You’ll need to include your name, date of birth, credit card number, phone number or email address and signature in the correspondence.

There are a few different ways that you can activate your Lloyds credit card:

  • Online – If you don’t have internet banking, you can set up your card through the Lloyds site
  • App – Use the mobile banking app, there should be a prompt to activate on your homepage
  • Call – Ring 0800 032 0444, available 7am-11pm, seven days a week
  • In branch – Pop into your local Lloyds bank and they’ll set it up for you

Yes, all Lloyds’ credit cards use the Mastercard payment network.

You can use your credit card worldwide anywhere the Mastercard logo is showing.