Lloyds Bank - Credit Cards UK - Interest free credit cards, apply today
Internet Banking
Select this for log on options
Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (&100 minimum) from most credit cards and some store cards, excluding other Lloyds Bank products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.
Credit cardsFeatures and benefitsRepresentative example&
Platinum 35 Month Balance Transfer Card
Peace of mind: Our longest balance transfer offer giving you time to pay off your balance.
0% interest for up to the first 35 months from account opening on balances transferred within the first 90 days.
3% balance transfer fee applies.
0% interest on purchases for the first 6 months after your account is opened.
Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative18.9% APRvariableBased on borrowing&1,200over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Platinum 28 Month Balance Transfer Card
An unmissable introductory offer: our longest combined credit card offer on balance transfer and purchases.
0% interest for 28 months from account opening on balance transfers within the first 90 days.
Balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account. 3% fee applies thereafter.
0% interest on purchases for the first 12 months after your account is opened.
Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative18.9% APRvariableBased on borrowing&1,200over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Platinum 18 Month Balance Transfer Card
Best of both worlds: Great if you have a balance to transfer and are looking to make purchases too.
0% interest for up to the first 18 months on balances transferred within the first 90 days after your account is opened.
Balance transfer fee of 1.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
0% interest on purchases for the first 16 months after your account is opened.
Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative18.9% APRvariableBased on borrowing&1,200over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
19 Month Platinum Purchase Card
Benefit from a little flexibility: An ideal card for shopping and the flexibility to transfer a balance with an initial low fee.
0% interest on purchases for up to the first 19 months after your account is opened.
0% interest for the first 6 months on balances transferred within the first 90 days after your account is opened.
Balance transfer fee of 1.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative18.9% APRvariableBased on borrowing&1,200over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a shorter Purchase introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Platinum 13 Month Balance Transfer Card & with no Balance Transfer fee
Low cost: Our 0% balance transfer fee offer to help you reduce the cost of your borrowing.
0% interest for up to the first 13 months from account opening on balances transferred within the first 90 days.
No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter.
0% interest on purchases for up to the first 13 months after your account is opened.
Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative18.9% APRvariableBased on borrowing&1,200over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive shorter Balance Transfer and Purchase introductory periods and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Lloyds Bank Choice Rewards Credit Card
A choice of rewards: whether it's cashback, shopping vouchers, magazine subscriptions or even travel rewards through Avios.
Spend & Get a choice of rewards for your everyday spend. 0% interest for the first 12 months onpurchases within the first 90 days after your account is opened and 0% interest for the first 28 months onbalances transferred within the first 90 days after your account is opened.
Collect & 10 Choice points for every &1 of eligible spend on the Choice Rewards American Express& Card and 10 Choice points for every &5 of eligible spend on the Choice Rewards MasterCard&.
Reward & Whether it&s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you&ll get to choose the reward you want, when you want.
Get there quicker & with double Choice points on eligible spend for the first 6 months from account opening on the American Express Card ().
Exclusive Club Lloyds offer - If you&re a Club Lloyds Current Account customer, we'll refund &12 of the &24 Choice Rewards annual card fee (). Please note a monthly account fee may be payable on the Club Lloyds Account, please see the Club Lloyds Account Terms and Conditions for details.
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative23.7% APRvariableBased on borrowing&1,200over 12 months with an annual fee of &24Credit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 23.7% APR (variable).Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.
Lloyds Bank Avios Rewards Credit Card
Turn spending into rewards: Collect Avios on your spending at home and abroad and enjoy the rewards we have to offer.
Collect Avios 5 times faster with 1.25 Avios for every &1 of eligible spend on the Lloyds Bank Avios Rewards American Express& Card.
Collect 1.25 Avios for every &5 of eligible spend on the Lloyds Bank Avios Rewards MasterCard& in over 33 million MasterCard locations around the world.
Collect double Avios on eligible spend for the first 6 months from account opening on the American Express Card ().
Collect a flight upgrade voucher when you spend &7,000 in one year.
No Foreign Transaction Fees (typically 2.95% when using your card abroad).
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative23.7% APRvariableBased on borrowing&1,200over 12 months with an annual fee of &24. Credit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 23.7% APR (variable). Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.
Lloyds Bank Premier Avios Rewards Credit Card
Even more rewards: Collect up to 25% more Avios on your spending worldwide and enjoy the rewards we have to offer.
Collect Avios 5 times faster with 1.5 Avios for every &1 of eligible spend on the Lloyds Bank Premier Avios Rewards American Express& Card.
Collect 1.5 Avios for every &5 of eligible spend on the Lloyds Bank Premier Avios Rewards MasterCard& in over 33 million MasterCard locations around the world.
Collect double Avios on eligible spend for the first 6 months from account opening on the American Express Card ().
Companion Ticket with &12,000 of eligible spending in one year.
Collect a flight upgrade voucher when you spend &5,000 in one year.
No Foreign Transaction Fees (typically 2.95% when using your card abroad).
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative52.1% APRvariableBased on borrowing&1,200over 12 months with an annual fee of &140.Credit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 52.1% APR (variable).Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.
Platinum Low Rate Card
Balance your everyday spending: our lowest available APR makes this an ideal card for everyday shopping.
A representative rate of 6.4% APR (variable) on purchases and balances transferred.
No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter.
Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative ExamplePurchase rate:6.45% p.a. variableRepresentative6.4% APR variableBased on borrowing&1,200over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 6.4% APR (variable).
Student Mastercard& Credit Card
Keep your finances under control if you are a UK resident, 18 or over with a Lloyds Bank Student Account.
Helping keep your finances under control if you are a UK resident, 18 or over with a Lloyds Bank Student Account.
More flexibility with a credit limit of at least &500.
Students aged 18 or over with a Lloyds Bank Student Account.
Representative ExamplePurchase rate:19.94% p.a. variableRepresentative19.9% APRvariableBased on borrowing&1,000over 12 monthsCredit limits will vary based on your individual circumstances.
All successful applicants will receive a representative rate of 19.9% APR (variable).
Credit cards Features and benefits Representative example &
Platinum 35 Month Balance Transfer Card
Peace of mind: Our longest balance transfer offer giving you time to pay off your balance.
0% interest for up to the first 35 months from account opening on balances transferred within the first 90 days.
3% balance transfer fee applies.
0% interest on purchases for the first 6 months after your account is opened.
Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 18.9% APR variableBased on borrowing &1,200 over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Platinum 28 Month Balance Transfer Card
An unmissable introductory offer: our longest combined credit card offer on balance transfer and purchases.
0% interest for 28 months from account opening on balance transfers within the first 90 days.
Balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account. 3% fee applies thereafter.
0% interest on purchases for the first 12 months after your account is opened.
Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative ExamplePurchase rate:18.94% p.a. variableRepresentative18.9% APRvariableBased on borrowing&1,200over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Platinum 18 Month Balance Transfer Card
Best of both worlds: Great if you have a balance to transfer and are looking to make purchases too.
0% interest for up to the first 18 months on balances transferred within the first 90 days after your account is opened.
Balance transfer fee of 1.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
0% interest on purchases for the first 16 months after your account is opened.
Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 18.9% APR variableBased on borrowing &1,200 over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on
your individual circumstances. At least 51% of successful applicants
will receive our best representative rate of 18.9% APR (variable).
Platinum 13 Month Balance Transfer Card & with no Balance Transfer fee
Low cost: Our 0% balance transfer fee offer to help you reduce the cost of your borrowing.
0% interest for up to the first 13 months from account opening on balances transferred within the first 90 days.
No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter.
0% interest on purchases for up to the first 13 months after your account is opened.
Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 18.9% APR variableBased on borrowing &1,200 over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive shorter Balance Transfer and Purchase introductory periods and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Credit cards Features and benefits Representative example &
19 Month Platinum Purchase Card
Benefit from a little flexibility: An ideal card for shopping and the flexibility to transfer a balance with an initial low fee.
0% interest on purchases for up to the first 19 months after your account is opened.
0% interest for the first 6 months on balances transferred within the first 90 days after your account is opened.
Balance transfer fee of 1.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 18.9% APR variableBased on borrowing &1,200 over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a shorter Purchase introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Platinum 18 Month Balance Transfer Card
Best of both worlds: Great if you have a balance to transfer and are looking to make purchases too.
0% interest for up to the first 18 months on balances transferred within the first 90 days after your account is opened.
Balance transfer fee of 1.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
0% interest on purchases for the first 16 months after your account is opened.
Worldwide use - Accepted in over 33 million MasterCard locations worldwide.
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 18.9% APR variableBased on borrowing &1,200 over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on
your individual circumstances. At least 51% of successful applicants
will receive our best representative rate of 18.9% APR (variable).
Credit cards Features and benefits Representative example &
Platinum 13 Month Balance Transfer Card & with no Balance Transfer fee
Low cost: Our 0% balance transfer fee offer to help you reduce the cost of your borrowing.
0% interest for up to the first 13 months from account opening on balances transferred within the first 90 days.
No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter.
0% interest on purchases for up to the first 13 months after your account is opened.
Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 18.9% APR variableBased on borrowing &1,200 over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive shorter Balance Transfer and Purchase introductory periods and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 18.9% APR (variable).
Credit cards Features and benefits Representative example &
Lloyds Bank Choice Rewards Credit Card
A choice of rewards: whether it's cashback, shopping vouchers, magazine subscriptions or even travel rewards through Avios.
Spend & Get a choice of rewards for your everyday spend. 0% interest for the first 12 months onpurchases within the first 90 days after your account is opened and 0% interest for the first 28 months on balances transferred within the first 90 days after your account is opened.
Collect & 10 Choice points for every &1 of eligible spend on the Choice Rewards American Express& Card and 10 Choice points for every &5 of eligible spend on the Choice Rewards MasterCard&.
Reward & Whether it&s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you&ll get to choose the reward you want, when you want.
Get there quicker & with double Choice points on eligible spend for the first 6 months from account opening on the American Express Card ().
Exclusive Club Lloyds offer - If you&re a Club Lloyds Current Account customer, we'll refund &12 of the &24 Choice Rewards annual card fee (). Please note a monthly account fee may be payable on the Club Lloyds Account, please see the Club Lloyds Account Terms and Conditions for details.
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 23.7% APR variableBased on borrowing &1,200 over 12 months with an annual fee of &24Credit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 23.7% APR (variable).Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.
Lloyds Bank Avios Rewards Credit Card
Turn spending into rewards: Collect Avios on your spending at home and abroad and enjoy the rewards we have to offer.
Collect Avios 5 times faster with 1.25 Avios for every &1 of eligible spend on the Lloyds Bank Avios Rewards American Express& Card.
Collect 1.25 Avios for every &5 of eligible spend on the Lloyds Bank Avios Rewards MasterCard& in over 33 million MasterCard locations around the world.
Collect double Avios on eligible spend for the first 6 months from account opening on the American Express Card ().
Collect a flight upgrade voucher when you spend &7,000 in one year.
No Foreign Transaction Fees (typically 2.95% when using your card abroad).
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 23.7% APR variableBased on borrowing &1,200 over 12 months with an annual fee of &24. Credit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 23.7% APR (variable).
Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.
Lloyds Bank Premier Avios Rewards Credit Card
Even more rewards: Collect up to 25% more Avios on your spending worldwide and enjoy the rewards we have to offer.
Collect Avios 5 times faster with 1.5 Avios for every &1 of eligible spend on the Lloyds Bank Premier Avios Rewards American Express& Card.
Collect 1.5 Avios for every &5 of eligible spend on the Lloyds Bank Premier Avios Rewards MasterCard& in over 33 million MasterCard locations around the world.
Collect double Avios on eligible spend for the first 6 months from account opening on the American Express Card ().
Companion Ticket with &12,000 of eligible spending in one year.
Collect a flight upgrade voucher when you spend &5,000 in one year.
No Foreign Transaction Fees (typically 2.95% when using your card abroad).
Representative ExamplePurchase rate: 18.94% p.a. variable Representative 52.1% APR variableBased on borrowing &1,200 over 12 months with an annual fee of &140.Credit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 52.1% APR (variable).Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.
Credit cards Features and benefits Representative example &
Platinum Low Rate Card
Balance your everyday spending: our lowest available APR makes this an ideal card for everyday shopping.
A representative rate of 6.4% APR (variable) on purchases and balances transferred.
No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter.
Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative ExamplePurchase rate: 6.45% p.a. variable Representative 6.4% APR
variableBased on borrowing &1,200 over 12 monthsCredit limits and interest rates will vary based on your individual circumstances.
Please note, you may receive a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive our best representative rate of 6.4% APR (variable).
Credit cards Features and benefits Representative example &
Student Mastercard& Credit Card
Keep your finances under control if you are a UK resident, 18 or over with a Lloyds Bank Student Account.
Helping keep your finances under control if you are a UK resident, 18 or over with a Lloyds Bank Student Account.
More flexibility with a credit limit of at least &500.
Students aged 18 or over with a Lloyds Bank Student Account.
Representative ExamplePurchase rate: 19.94% p.a. variable Representative 19.9% APR variableBased on borrowing &1,000 over 12 monthsCredit limits will vary based on your individual circumstances.
All successful applicants will receive a representative rate of 19.9% APR (variable).
Are you an existing credit card customer? You'll find everything you need to know about your credit card, from finding out how to make a payment to personalised balance transfers. (fee applies)
Useful telephone numbers available 24/7
Lost or stolen cards 9 (+44
from overseas).
Credit card enquiries 2 (+44
from overseas).
Activation 8 (+44
from overseas).
Balance Transfer 2 (+44
from overseas).
Online security
We use the latest security measures to make your Lloyds Bank online banking experience as safe as possible.
Banking with us
About the site
About Lloyds Bank
Find a branch or Cashpoint&
Get branch contact details
View opening hours
View branch facilities
If you prefer not to use our 0845 number, you can also call us on . General enquiries open 24/7
Get answers from our Help Centre
Our automated service will browse the FAQs to help answer questions.
@AskLloydsBank
Get answers to your Internet Banking queries
Receive news and product updates
Share your feedback and experiences