You can also take advantage of our optional protection for your credit cards, just in case the worst happens:
Online
Applying online will only take you a few minutes. Apply for an Advance card
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.
* 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.
Put everything in one place with a Balance Transfer from Lloyds TSB
In today’s financial climate we’re all looking for ways to manage our money better. Why pay a high interest rate with someone else when you could transfer the balance to your Lloyds TSB credit card and benefit from a low interest rate?
If you don’t currently hold a Lloyds TSB credit card you can apply online and request a balance transfer at the same time.
If you’ve opened a card with us in the last six weeks you can still take advantage of your introductory balance transfer offer by calling 0845 606 2172*
0% interest for six months with online balance transfers for existing Lloyds TSB credit card customers
If you’ve held your Lloyds TSB credit card for longer than six weeks you can apply online to transfer non-Lloyds TSB credit or store card balances at 0% interest for six months. We’ll charge a 3% fee for all balance transfers you make and we’ll charge interest on this fee.
You can request a balance transfer online when you log on to Internet Banking by selecting the 'balance transfer' link in the left hand navigation or on the account overview screen.
Log on to Internet banking and transfer a balance to your Lloyds TSB credit card.
Register your credit card account online if you are not registered for Internet Banking.
Important Information
Credit card balance transfers can only be made from non-Lloyds TSB credit cards or store cards. Your application is subject to your credit limit and dependent on our assessment of your circumstances. After approving your application we will send payments to your other card issuers. Until then please continue to make payments to your other cards as usual.
We’ll charge a fee of 3% for all balance transfers you make and we’ll charge interest on this fee. Balance transfers must be for a minimum of £100 and subject to your credit limit. You must leave at least £100 in your account, after the total amount of your balance transfers and their 3% fees have been deducted.
The minimum repayment is 2% of the balance shown in your statement (minimum £5, or the full balance if less than £5), or if it is more, the total of interest and the Payment Protection Cover premium shown in your statement. After the minimum payments have been made, the remainder is allocated to promotional balances at 0%, followed by other promotional balances (see section 6 of customer conditions for further detail of payment allocation) first. This means that your balances on lower rates such as balance transfers are paid off before higher rate balances. Interest is charged on a balance transfer from the day it reaches your account.
* 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.
** Bonus Airmiles are only awarded on whole multiples of £1000s (£1000, £2000, £3000 etc.) transferred from a single provider. For example, bonus Airmiles would not be rewarded on a balance transfer of £999 or if the transfer is split between more than one credit or store card.
The issue of a credit card depends on an assessment of your circumstances. You must be 18 or over and a UK resident to apply.
Find out how to report a lost or stolen card, transfer a balance and so much more. Find a credit card phone number.
You can now register your credit card for Internet banking to access your credit card account information online.
Find out how to manage your card online.
Adding your partner, a family member or friend to your account is a simple way to get more from your Lloyds TSB credit card. They must be 18 or over. Find out how to add an additional cardholder.
Ordering a replacement PIN by text is faster and easier than going to a branch or sending your request by post, plus it won’t cost you any more than your usual charge for sending a text message. Find out how to order a replacement PIN.
Lloyds TSB ClickSafe® (also known as Verified by Visa and MasterCard® SecureCode) is a free service that gives you extra protection when you’re shopping online by asking you for a pre-registered Personal Password before you complete your purchase. This allows us to confirm that it’s you who is using your card and not a fraudster.
Find out more about Lloyds TSB ClickSafe®.
Take the hassle out of losing your cards. With Sentinel® Gold, if you lose your credit, debit or store cards or if they are stolen, you and other members of your household are protected from fraud and given assistance in emergency situations.
Find out more about Sentinel® Gold.
Are you over 18, a UK resident and free of any county court judgments? Then you can apply for a Advance Card with typical 11.9% APR variable. Existing LloydsTSB credit card customers please read this important information. (This link will open in a new browser window).
You’ll need to have the following to hand:
Got a balance transfer? Have the details handy if you want to transfer as soon as possible.
Online
Applying online will only take you a few minutes.
Registered for Internet Banking? Apply for a Credit Card if you are already registered for Internet Banking.
Not registered for Internet Banking? Apply for a Credit Card if you are not registerd for Internet Banking.
Advance card summary box containing rates and charges and an illustrative example.
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.
