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Create Card

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Payment Protection Cover
This optional cover could provide you with peace of mind if you cannot make your credit card repayments.

The card with real flexibility.  The interest rate changes to reflect your choices such as cashback or whether you want to pay a fee.  You even choose the colour of your card.

Try our interactive demo to see how Create Card works.

Typical 
13.9% APR
variable

Balance transfer rate 0% interest for 6 months

Rate depends on the features you choose

Apply for a Create cardYou can apply for the Create Card online now.

Create Card full terms and conditions.


Lloyds TSB is a responsible lender and we only want you to borrow what you can afford and 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 a member of staff that will be able to help you. They will also be able to help you if you’re experiencing financial difficulties.

Features & Benefits

The Create Card's unique features are:

  • 0% interest on balance transfers for 6 months*,
  • choose your interest rate options,
  • choose your cashback amount,
  • change your options,
  • choose the colour of your card,

View a summary of Create Cards' features.

Standard features on all our cards:

  • Minimum payment option,
  • Up to 56 days interest-free period for purchases† ,
  • Protection against fraud loss**,
  • Extra security with a chip and PIN card,
  • Free additional card,
  • Payment Protection Cover available - to protect your repayments against accident, illness or unemployment,
  • 24 hour dedicated customer services helpline.

View Create summary box containing rates and charges and an illustrative example.

How do I apply?

Online now
Your online application will take about 10 minutes to complete and is totally secure.

Terms and conditions apply to all card benefits. The APR will depend on your credit history and the combination of benefits you choose.  Rates from 11.6% APR variable*** to 19.9% APR variable.
†  Up to 56 days on purchases if the full balance is paid off by the due date on both the previous and latest statements.   
*Credit card balances must be transferred from non-Lloyds TSB group credit cards or store cards.  Minimum balance transfer is £100 and is subject to your credit limit.  Your monthly payments will pay off your interest and Payment Protection Premiums first.  After this we put the rest of your payment to promotional balances at 0%, followed by other promotional balances (see section 6 of customer conditions for further details of payment allocation).  This means that balances on lower rates such as balance transfers are paid off before other balances. After 6 months balance transfers will  be charged at the standard rate for purchases. This special balance transfer rate for 6 months applies to all balance transfers made within the first 6 weeks of your account opening. Introductory offers are available to new credit card customers only.
** You are not liable if someone uses your card account without your or an additional cardholder's consent. But, you and additional cardholder's must take all reasonable measures to protect cards and PIN's. You should never disclose your PIN, not even to Lloyds TSB staff or the police. You can give suppliers your card details (but not PIN's) and won't be liable if they misuse them. If you've given someone else your card details you are liable for all transactions unless you have first told us they are not authorised
*** The 11.6% APR variable is only available with an annual fee of £10

Handling fee on cash advances of 2% of the advance or £2.00, whichever is the greater. A 2.75% charge on non-sterling transactions. Minimum monthly payment is the greater of £5 or 2% of any balance transfer (s) and of £5 or 2% of other balances. Minimum credit limit £500.
A fee will be payable if you change your card design, the amount of which we will notify you of when you change your card design.