Lloyds Bank Credit Card – How to Apply?

Want a low fee, low interest rate credit card that allows you to shop anywhere in the world and eases the stress from your day-to-day spending? Well, look no further. A Lloyds Bank Credit Card might just be the perfect one for you.


With this credit card in your arsenal, you can certainly gain access to plenty of benefits unlike any other. Aside from low-interest rates, you also get NO balance transfer fees. To learn more about how you can apply for a Lloyds Bank Credit Card, read on.

Lloyds Bank Credit Card Features and Benefits

To help you understand the privileges of owning a Lloyds Bank Credit Card, let’s shed a spotlight on one of their main offerings: The Lloyds Bank Platinum Low Rate Credit Card (available in MasterCard).


The Platinum Low Rate Credit Card takes pride in offering you one of the lowest representative APRs at just 6.5% per year (variable). If you have a good credit status, you might qualify to be amongst the 51% of individuals paying the lowest rate on the market, however, if not, you’ll be offered a higher rate of 14.9% APR (variable).

Even better, you can make balancer transfers with absolutely ZERO fees within the first 90 days of opening your account! Remember, after this period, you will need to pay 3% on balance transfers.


Another great perk you can experience is managing your balance and monitoring your account with their mobile banking app, telephone banking, and free text alerts. With these services, you can keep an eye on your money at all times. You can even make direct bill payments from the comfort of your own home.

Want to have a credit card that has low interest rate and still gain access to a lot of benefits? Lloyds Bank Credit Card is your best option. Here's how to apply:

Applying for a Lloyds Bank Credit Card

Applying your own Lloyds Bank Platinum Low Rate Credit Card is simple. All you need to do is fill out the application form found on the Lloyds Bank website. To be eligible, you must be at least 18 years old and must have a regular income. For more information, feel free to try their eligibility checker. This will only take about 5 minutes of your time.

Some of the documents you need to prepare include a proof of billing, proof of identification, and proof of income.

After your application, the bank will determine if you are eligible for their credit card. Depending on your personal, professional, and financial circumstances, the bank will set your credit limit. This can range anywhere from £5,000 to £20,000.

Lloyds Bank Credit Card APR and Charges

To better understand the responsibilities that come with owning a Lloyds Bank Credit Card, let’s take a closer look at the Platinum Low Rate Credit Card once more…

In owning this card, it’s great to know that there are ZERO annual membership fees. Other charges you should consider, however, include:

  • Annual Purchase Interest Rate: 9.94%
  • Representative APR: 9.9% (variable)
  • Balance transfer fee: 3% (after 90 days)
  • Cash transaction charge: 3% or £3 (whichever is higher)
  • Foreign currency fee: 2.95%
  • Late payment charge: £12

Lloyds Bank Address & Contact Details

Address: 25 Gresham St., London, UK, EC2V 7HN

To get in touch with Lloyds Bank, call 0345 300 0000 (or +44 1733 347 007 from outside the UK).


If you’re looking to get a low rate credit card that allows you to get the most out of your everyday living, don’t hesitate to apply for a Lloyds Bank Platinum Low Rate Credit Card today.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.