Credit cards

Find the right card for you

Whether you're looking for low rates on purchases, a great deal on balance transfers or credit cards that offers rewards, we've got the right card for you. See our most popular cards below.

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Find out more about our most popular cards

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Advance Credit Card

Good for:

  • Shopping – 0% on purchases for the first six months*
  • Spreading purchase costs with our lowest available APR
  • 4.9% p.a. for 12 months on balances transferred in the first 90 days (with a 3% fee)*
  • New Lloyds TSB credit card customers only

Our banking guarantee ensures you’re not out of pocket if you’re the victim of online fraud.

* To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

Representative example

  • Purchase rate:11.95% p.a.(variable)
  • Representative11.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances
See our full range of credit cards See our full range of credit cards
Showing 1 of 4 cards

Platinum Balance Transfer Card

Good for:

  • Saving – 0% interest for the first 15 months on balances transferred in the first 90 days (with a 3% fee)*.
  • Balance Transfer fee refund offer - reduces a 3% balance transfer fee to 1%.
  • Shopping – 0% on purchases for the first 3 months*.
  • Easy spending – accepted worldwide

Our best balance transfer card

With our Platinum Balance Transfer Card, you can save money by transferring your balance.

The standard balance transfer fee of 3% will be applied when a balance transfer is processed. For example, if a customer transfers £1,500 a BT fee of £45 will be applied. We'll refund 66.6% of that, i.e. £30 into the customer's credit card account within 60 days of the qualifying balance transfer completion date. Minimum balance transfer amount is £100.

Our banking guarantee ensures you’re not out of pocket if you’re the victim of online fraud.

* To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

Representative example

  • Purchase rate:17.95% p.a. (variable)
  • Representative:17.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200 over 12 months. Credit limits and interest rates will vary based on your individual circumstances
See our full range of credit cardsSee our full range of credit cards
Showing 1 of 2 cards

Lloyds TSB Duo Avios Credit Card Account

  • Spend¹ £500 per month on your Lloyds TSB Duo Avios American Express credit card for the first three months and receive a 15,000 Avios bonus².
  • Collect 1 Avios for every £1 of eligible spend1 on the Lloyds TSB Duo Avios American Express® Card and 1 Avios for every £5 of eligible spend1 on the Lloyds TSB Duo Avios MasterCard®.
  • Collect in over 32 million MasterCard locations and millions of American Express places on the high street and around the world.
  • Collect double Avios on your eligible spend1 abroad.

Turn everyday spending into travel rewards

Collect Avios at home and abroad. With two credit cards you have the flexibility to collect Avios as fast as possible – carry both when you shop to benefit from great collection rates and worldwide acceptance.

Our banking guarantee ensures you’re not out of pocket if you’re the victim of online fraud.

To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

Representative example

  • Purchase rate:17.95% p.a(variable)
  • Representative:17.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200 over 12 months. Credit limits and interest rates will vary based on your individual circumstances
See our full range of credit cardsSee our full range of credit cards
Showing 1 of 3 cards

Platinum Purchase Card

Good for:

  • Shopping – 0% on purchases for the first 13 months*
  • Saving – 0% for the first 13 months on balances transferred in the first 90 days (with a 3% fee)*
  • Easy spending – accepted worldwide

Great introductory offers

Get this card if you want a great introductory offer on purchases and balanced transferred.

Our banking guarantee ensures you’re not out of pocket if you’re the victim of online fraud.

* To stay eligible for promotional rates, you must stay within your credit limit and make your payments on time each month.

Representative example

  • Purchase rate:17.95% p.a. (variable)
  • Representative:17.9% APR  Tooltip(variable)
  • Based on borrowing:£1,200 over 12 months. Credit limits and interest rates will vary based on your individual circumstances
See our full range of cards See our full range of cards
Showing 1 of 1 cards

Student Credit Card

Good for:

  • Helping you cover unexpected costs
  • More flexibility with a credit limit of at least £500
  • Students aged 18 or over with a Lloyds TSB Student Account


Keep your finances under control

If you have a Lloyds TSB Student Current Account, then our Student MasterCard® Credit Card is the perfect partner for helping you stay on budget.

Our banking guarantee ensures you’re not out of pocket if you’re the victim of online fraud.

Representative example

  • Purchase rate:19.95% p.a. (variable)
  • Representative:19.9% APR  Tooltip(variable)
  • Based on borrowing:£1,000 over 12 months. Credit limits and interest rates will vary based on your individual circumstances
See our full range of credit cardsSee our full range of credit cards

Money Manager

See what you’re spending with Money Manager. It helps you stay in control of your finances by showing you where your money is going.

Find out more Find out more about Money Manager

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    Explore our full range of credit cards or let us help you find a card that suits your needs.

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    How much could you save? Try our balance transfer calculator

    Try the calculator Try the balance transfer calculator and see how much you could save

    Credit card services

    Make the most of your Lloyds TSB credit card with services to protect you from fraud and help you stay in control of your finances.

    Useful telephone numbers available 24/7

    Lost or stolen cards 0800 096 9779 (+44 1702 278 270 from overseas).

    Credit card enquiries 0845 606 2172 (+44 1702 278 272 from overseas).

    Activation 0800 389 1558 (+44 2074 812 548 from overseas).

    Balance Transfer 0845 606 2172 (+44 1702 278 272 from overseas).

    Important legal information

    Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register/. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

    Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds TSB Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland no. 95237.

    The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.

    1 Eligible purchases do not include cash withdrawals, money transfers, cheques, interest, fees or charges, Payment Protection Cover, transactions at Casinos, betting outlets or bookmakers or payments to offline or online current, savings, sharetrading, spread betting, gambling or any other similar account.

    2 Customers who apply through Lloyds TSB and are accepted for the Lloyds TSB Duo Avios Credit Card Account by 31st July 2013 will be eligible for the 15,000 Avios bonus, if they spend £500 a month for the first 3 months on eligible purchases on their Lloyds TSB Duo Avios American Express Card from account opening date. The 15,000 Avios will show on the customer’s Avios account within 90 days of the qualifying spend being achieved.

    Lloyds TSB Duo Avios Credit Card Account collection rates are 1 Avios for every £1 of eligible spend¹ with your Lloyds TSB Duo Avios American Express Card, and 1 Avios for every £5 of eligible spend¹ with the Lloyds TSB Duo Avios MasterCard.

    All bookings are subject to availability, which may be very limited on some routes at certain times especially during peak periods.

    Avios and the Avios logo are trademarks of the British Airways Plc group of companies. Avios Group (AGL) Ltd. Registered office: Astral Towers, Betts Way, London Road, Crawley, West Sussex, RH10 9XY. Registered in England. Company No. 226073.

    American Express® is a registered trademark of American Express company. The Lloyds TSB Duo Avios American Express® Card is issued and administered by Lloyds TSB pursuant to a license from American Express® trademark.

    MasterCard® and the MasterCard Brand mark are registered trademarks of MasterCard International Incorporated.