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Advance MasterCard Credit Card

Important Information

A great purchase offer and low APR

Our Advance Credit Card is your perfect shopping partner. It gives you an introductory purchase offer of 0% interest on your purchases for six months and has a very competitive typical 11.9% APR variable.

You can use your Advance Credit Card to take advantage of the sales, book a holiday or anything else you care to spend you money on, safe in the knowledge that you won’t be charged interest for the first six months of your account on purchases.

0% interest on purchases for 6 months

Balance Transfer rate of 4.9% p.a. for 12 months* (3% fee)

 11.9% APR Typical variable

This offer is only available by applying online.

Features & Benefits

The Advance card’s unique features are: 

  • 0% interest on purchases for 6 months,
  • 4.9% p.a. interest for 12 months on balance transfers (3% fee). Minimum spend of £100 applies in the first 3 months.
  • Typical 11.9% APR variable, interest charged from the date of the transaction.

As well as the benefits above, you will also receive all of our normal features with your credit card:

  • Add an additional Cardholder, must be 18 or over.
  • Manage your account online, by phone or at your local Lloyds TSB branch. 
  • Guarantee against fraud loss, including Internet fraud loss protection. 
  • Use your credit card abroad with worldwide acceptance.
  • Lloyds TSB ClickSafe - added security when shopping over the internet. You choose a personal password to ensure that only you can make purchases with your card when shopping online. 
  • Active Account Monitoring - Fraud specialists will alert you to any suspicious credit card transactions.
  • Overseas Emergency Assistance - Overseas contact number to call if you lose your card abroad and we will issue a replacement card.
  • Chip and PIN security.

You can also take advantage of our optional protection for your credit cards, just in case the worst happens:

For any queries about the Advance Credit Card account features and benefits please call 0845 606 2175.  Please note this offer is only available by applying online.

How do I apply?

Are you over 18, a UK resident and free of any county court judgements? Then you can apply for an Advance card. Here’s how you can do it:

Advance summary box containing rate and charges and an illustrative example (PDF)

Advance card - full terms and conditions (PDF)

As a responsible lender, we only want you to borrow what you can afford and to do so in a way that is best for you. If you’d like to talk to us about the choices you’ve made or would like advice we will be happy to refer you to a member of staff who may be able to help.

* Minimum spend of £100 in the first 3 months applies. Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 6 weeks of opening the account.  Your monthly payments reduce balance transfers first, so after six months you pay interest on purchases at the standard rate until balance transfers are paid off.  3% fee applies and interest is charged on this fee.

Terms and conditions apply to all Lloyds TSB credit cards benefits. Full details will be sent with your card. After each introductory period ends, you will be charged at the appropriate standard rate.

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.