Lloyds Bank UK Credit Cards: 7 Types Compared (2024)

Lloyds Bank offers a range of credit cards targeting different spending styles. Features change; always check lloydsbank.com for current terms. Here's the typical lineup:

1. Lloyds Platinum Plus Credit Card

For: Heavy spenders wanting premium perks

• Cashback: Up to 1% (introductory), then tiered
• Travel: Worldwide family travel insurance, airport lounge access (Priority Pass)
• Purchase protection, extended warranty
• Annual fee: ~£150 (often waived year 1)
• Representative APR: ~29.9% variable

2. Lloyds Avios Rewards Credit Card

For: Frequent flyers (British Airways, Iberia, Aer Lingus)

• Earn: 1 Avios per £1 spend (bonus on BA holidays)
• Welcome bonus: ~5,000–25,000 Avios (varies)
• Travel perks: 2-4-1 voucher (spend threshold), lounge vouchers
• Annual fee: ~£20–£195 (tiered)

3. Lloyds Nectar Credit Card

For: Sainsbury's/Argos/eBay shoppers

• Earn: 2 Nectar points per £1 at Sainsbury's/Argos; 1 per £2 elsewhere
• Welcome bonus: ~5,000 points
• No annual fee
• Points = 0.5p each at Sainsbury's

4. Lloyds Cashback Credit Card

For: Simple flat-rate return

• Cashback: ~0.25–0.5% on all spend (varies by offer)
• No annual fee
• Paid annually to statement

5. Lloyds Student Credit Card

For: First-time borrowers (18+, UK student)

• Low credit limit (£250–£1,000 typical)
• Cashback on select categories (groceries, transport)
• Credit builder: reports to CRAs
• No annual fee; higher APR (~29.9%)

6. Lloyds Low-Rate Balance Transfer Card

For: Moving existing debt

• 0% balance transfer: 18–28 months (fee 1.5–3%)
• Low ongoing rate on purchases (~9–14% variable)
• No rewards

7. Lloyds Gold Credit Card

For: Mid-tier rewards

• Cashback + travel/dining discounts
• Annual fee: ~£60
• Moderate rewards rate

How to Choose

Eligibility: Use Lloyds' soft-check tool—no credit score impact. Must be UK resident, 18+, with UK bank account.