A credit card can be used to better manage your money in a whole range of ways. At Lloyds TSB, our credit cards can help you spread the cost of your purchases and consolidate your outstanding balances with our introductory offers, while also offering fraud protection and rewards.
A representative example, based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.95% p.a (variable).
The type of credit card you go for will depend on what you’re looking to do with it. For example, you may go for one that has a 0% introductory period on purchases such as the Advance Credit Card. This will allow you to pay for various products and services without having to worry about the extra interest you would normally have to cover each month. This could come in particularly handy if something comes out of the blue and means you have to rethink your budget. We all know this can happen from time to time – whether it is a surprise bill or a repair that just can’t wait. But if you’ve got a credit card you can enjoy the peace of mind that you’ve got access to additional funds as a fall back.
Interest payments on credit and store cards can make a big difference to your monthly spend, that’s why our balance transfer card could help you save. So, if you’re looking to consolidate your outstanding balances on one card, this more than likely means you’ll be looking for a 0% balance transfer period (3% fee applies). This is where our Platinum Credit Card can help. Making a balance transfer could end up saving you money if you move to a more favourable rate, consolidating all your outstanding balances on one card.
Credit cards also come with lots of extra features that can come in useful. For example, if you make a purchase between £100 and £30,000 on a credit card you could be protected under the Consumer Credit Act. Meanwhile, if you go for the Lloyds TSB Airmiles Duo Credit Card Account you’ll be rewarded with Airmiles for making your usual everyday* purchases, which can be used for flights, hotels, days out and more.
Unsure of which credit card is right for you? Then your first step could be to compare credit cards on our website, where you’ll be able to find out more about their various features and details on their APR (annual percentage rate).
If you find what you’re looking for, moving to the next stage couldn’t be easier – you can apply for all of our cards online. And you can get answers to any questions you may have over the phone or in one our branches – our helpful advisers will be happy to point you in the right direction on your journey to getting the credit card that’s right for you.
In order to remain eligible for any promotional rates you must stay within your credit limit and make your payments on time each month.
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. Your APR will vary depending on your personal circumstances. Call us, go online or visit one of our branches for more information on all fees and interest rates.
* Eligible purchases do not include cash withdrawals, money transfers, cheques, interest, fees or charges, transactions at Casinos, betting outlets or bookmakers or payments to offline or online current , savings, sharetrading, spread betting, gambling or any other similar account.
All bookings are subject to availability. Air Miles and the Flying Boat logo are trademarks of Airmiles International Trading BV. Airmiles is a trading name of The Mileage Company Ltd. Registered office: Astral Towers, Betts Way, London Road, Crawley, West Sussex RH10 9XY. Registered in England No. 2260073.
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.